1. What are the methods, characteristics and precautions for entrepreneurship financing?

Bank loan. Bank loans are known as the "reservoir" for entrepreneurial financing and have a "mass base" among entrepreneurs.

Credit loans refer to loans issued by banks based only on their trust in the borrower's creditworthiness. The borrower does not need to provide collateral to the bank.

Guaranteed loans refer to loans issued with the credit of the guarantor as a guarantee.

Discount loan refers to a loan method in which the borrower applies for discount from the bank with unexpired bills to finance the loan when he is in urgent need of funds.

Comments: Entrepreneurs are reminded to be prepared for a "protracted war" because in addition to dealing with banks, applying for loans also has to go through the industrial and commercial administration departments, tax departments, intermediaries, etc. Moreover, the procedures are cumbersome and there can be no problems in any link.

2. Research on the financing methods and methods of small and medium-sized enterprises

1. The main channels and financing methods of foreign small and medium-sized enterprises. Small and medium-sized enterprises are in the following situations: one is self-financing; The first is direct financing, and the third is indirect financing. About self-financing. It includes the owners (or partners, shareholders) own funds; funds borrowed from relatives and friends; personal investment funds; venture capital funds; enterprise operating financing funds (including customer advance payments and installment payments to suppliers, etc.); enterprises Credit loans between companies (this is prohibited in some countries); loans from mutual aid institutions between small and medium-sized enterprises; and loans from some social funds, etc.). Regarding direct financing. It refers to the public channels for raising funds from the society in the form of bonds and stocks. Obviously, only corporate SMEs have the right to use this financing method. Moreover, bonds and stocks of corporate SMEs can only be issued over the counter. Only a very small number of corporate SMEs that meet strict conditions can obtain public listings. opportunities, or to enter "secondary financing. It mainly includes various short-term and medium- and long-term loans. Loan methods (i.e. financial products) mainly include mortgage loans, guaranteed loans and credit loans. They are divided into small and medium-sized enterprises according to their funding sources in various countries. The following three types: one is a liberal type that uses owners (or partners, financing) and emphasizes the autonomy of enterprises, such as the United States and the United Kingdom. The other is a family-financed type that emphasizes society and government Types of collectivism that play a role, such as those between Italy and France, such as Germany, Japan and South Korea. 2. Different types of small and medium-sized enterprises at different stages have different financing requirements. (1) Different types of small and medium-sized enterprises have different financing requirements. Different types of small and medium-sized enterprises have different financing characteristics, and of course have different requirements for financing channels and conditions. From the perspective of financing, there are several types of financing for small and medium-sized enterprises, such as small and medium-sized enterprises, high-tech enterprises and community-based enterprises. Characteristics and requirements of enterprises. The capital needs of manufacturing small and medium-sized enterprises are relatively diverse and complex, which is determined by the complexity of their operations, whether they are used to purchase energy raw materials, semi-finished products, or equipment and spare parts. Medium and long-term loans, even various expenses for product marketing and seller credit require financial services from outside parties and financial institutions. Generally speaking, manufacturing enterprises have a large demand for funds and are relatively slow. As a result, business activities and funds are subject to corresponding risks. The land is relatively large and financing is difficult. The working capital loans and promotional activities of small and medium-sized enterprises in the service industry are characterized by small amount, high frequency, short loan cycle, and high randomness of loans. However, generally speaking, the risk is that of small and medium-sized enterprises. Commercial banks are more willing to grant loans. 3. High-tech small and medium-sized enterprises. In addition to financing through the financing channels available to ordinary small and medium-sized enterprises, one of the more important sources of funds is various and emerging. "Venture investment funds". Such funds are either established by the government, privately established, or jointly established by the government and private parties. They are generally property rights funds in the United States, Japan and the United Kingdom. Relatively developed. 4. Community-based small and medium-sized enterprises (including street handicraft industries) are a special type of small and medium-sized enterprises. They have a certain social welfare, so it is easier to obtain government support. Supportive funds. In addition, community fundraising is also an important source of funds for such enterprises. Western countries have different focuses on solving the financing difficulties of small and medium-sized enterprises: for example, the United States is a country with a tradition of innovation, so it is relatively Pay attention to the financing issues of high-tech SMEs. Japan is also unique in supporting SMEs to absorb and introduce technology. Italy pays more attention to the development and financing issues of manufacturing SMEs. Instead of focusing on solving the economic development of relatively backward regions in the south, Increasing the economic vitality of the region is directly related to the "hematopoietic" function. France attaches great importance to employment issues, so the government's focus in supporting small and medium-sized enterprises is mainly on service-based small and medium-sized enterprises with relatively large employment potential. Switzerland and Spain (including France) are unique in solving community-based small and medium-sized enterprises (including street handicraft industries). (2) Small and medium-sized enterprises at different stages of development have different requirements for financing. Small and medium-sized enterprises at different stages of development have different requirements for financing. From the establishment of the enterprise to the exit of the enterprise due to various reasons, there are different requirements for financing. 1. Founding stage.