According to a survey by the National Information Center, financing issues have become the primary focus of individual entrepreneurship, and more than 80% of entrepreneurs do not know how to borrow money, or do not dare to borrow money at all. The shortage of funds puts them at odds with big companies. The "business opportunity" passed by.

However, what excites individual entrepreneurs is that recently, Beijing-based financial institutions such as Bank of China, China Everbright Bank, Guangdong Development Bank, and CITIC Bank have launched loan types specially designed for "individual entrepreneurs". Agricultural Bank of China and China Minsheng Banking Corporation are also planning larger loan plans. Individuals can completely raise funds through advance loans and realize their “boss dream” step by step.

■Bank of China, China Everbright, and Guangfa Loans each have their own focus

It is reported that Bank of China’s “Personal Venture Investment Loans” with a maximum limit of 10 million yuan have already joined forces with some guarantee companies in Beijing. roll out. Loan methods can be specifically divided into two types: First, personal project investment loans, which are suitable for customers’ medium- and long-term large-amount investment capital needs and highlight the characteristics of venture capital. The longest loan term can be up to 5 years, and the maximum loan amount can be up to 10 million yuan. Differentiated repayment methods can also be customized according to customer needs, such as monthly or quarterly repayment of principal and interest; the second is personal short-term turnover loans It is suitable for customers’ short-term working capital needs and reflects the characteristics of business-assisted operations. The maximum loan amount of this product can reach 7 million yuan, and the loan period does not exceed one year. High-quality customers can also apply for a "one-time credit, revolving use" revolving loan, and recycle the loan within the once-approved credit limit.

China Everbright Bank has also launched “personal business assistance loans”. "Personal Business Assistance Loans" include multiple detailed products such as working capital loans for individuals and private owners, study abroad loans, student loans, and "construction machinery loans." According to the different loan methods, it can be divided into single loan (that is, the starting point of the one-time loan amount issued by the bank to qualified borrowers is 1,000 yuan, and the loan period cannot exceed 5 years) and loan line credit (that is, within the credit limit During the validity period, you can apply for a loan from the bank at any time, and the repaid portion of the loan limit can be recycled without repeated mortgages, pledges or guarantees).

The Beijing Branch of China Guangfa Bank has launched the "Private 100" program for private and private enterprises, focusing on encouraging individuals to start private enterprises and the redevelopment of existing private enterprises. Among them, the "Entrepreneurship Insurance" series of financial products are based on the characteristics of individual shareholders of private enterprises who have relatively good property status. They provide individual credit lines to shareholders of private enterprises and provide them with houses, land and securities (including certificates of deposit, underwritten treasury bonds, etc.) ) personal entrepreneurial loans and company-individual joint loans under mortgage (pledge), joint liability guarantee of natural persons and legal representatives, and other guarantee methods approved by China Guangfa Bank.

■"Entrepreneurship loans" have certain "thresholds"

However, banks generally require three conditions: pledge, mortgage and guarantee when providing loans to enterprises or individuals. Collateral includes certificates of deposit, treasury bills, corporate bonds, etc. Collateral refers to real estate such as land, real estate, corporate equipment, etc. The guarantee is mainly fully or partially guaranteed by some guarantee companies recognized by banks. Investors need to pay attention to the fact that it is generally difficult to obtain a 100% loan with a pledge or mortgage. Taking a mortgage as an example, the loan amount may be 40% or 30% of the value of the mortgaged item, and the guarantee must be handed over to the guarantor. A significant expense to the company.

The reporter learned that in order to control risks and simplify various loan procedures, many banks have adopted a variety of means. For example, in view of the lack of talents and irregular financial management of some private enterprises in the entrepreneurial stage, China Guangfa Bank dispatched specialized talents to implement "credit coaching management" to enterprises, providing them with necessary consulting and consultation on banking business, accounting systems, credit ratings, etc. training, help enterprises establish a comprehensive credit system, and provide private enterprises with a full range of financial services such as deposits, settlements, collection and payment, information consulting, and financial consulting. Both banks and enterprises achieve the purpose of jointly bearing business risks and jointly making profits.

■Personal entrepreneurship still needs policy support

Although personal entrepreneurship loans are warmly welcomed by the majority of self-employed individuals and private owners, there are still some problems that cannot be avoided. This type of business targets some small and medium-sized private enterprises. Its main body is an individual, but its nature is a company. It refers to loans aimed at small and medium-sized enterprise investment and business customers between corporate loans and personal consumption loans. Document No. 330 issued by the People's Bank of China in 2001 - "Notice of the People's Bank of China on Strictly Prohibiting the Issuance of Unspecified Personal Consumption Loans" clearly stipulates that no commercial bank shall issue personal consumption loans without specified purposes. This is mainly due to the flow of funds away from banks into the stock market. Therefore, banks are not willing to give up this huge credit market, but they have some concerns about it. In addition, the uncontrollable risks in entrepreneurship have also caused banks to raise the "threshold" for lending, which has also caused some entrepreneurs to question "entrepreneurship loans may look beautiful, but they are difficult to implement."

Recently, Tang Min, chief economist of the Asian Development Bank, said in an interview with reporters that some laid-off workers and unemployed people who are in great need of loans but cannot provide the deposit certificates and mortgage items required for loans. It's still hard to get a loan.