We can summarize that the serious information asymmetry between SMEs and the financial sector and all parties in society, coupled with the great speculation in SMEs, are the main reasons for the financing difficulties of SMEs.

Below we elaborate on the aspects of the enterprise itself, banking departments and other financing institutions, and society: 1. From the perspective of direct financing, in view of the strict requirements for corporate listings, it is difficult for small and medium-sized enterprises to enter the main board market to a large extent and use equity financing.

It is unrealistic for them; in terms of debt financing, due to restrictions on the issuance scale, and due to their small scale and high risks, it is difficult for small and medium-sized enterprises to be favored by investors. Therefore, it is difficult to use debt financing to

Obtaining funds is not easy for small and medium-sized enterprises.

2. In terms of banks: 1. The loan approval rights of grassroots banks have been withdrawn and the lending procedures are cumbersome.

2. Bank personnel have insufficient understanding and foresight of corporate project prospects due to their limited business quality.

3. Compared with large enterprises, small enterprises have small scale and profits, and the cost of bank lending is relatively high.

3. Social aspects: 1. The capital market is underdeveloped and investment and financing channels are single.

2. The guarantee mechanism is imperfect and there is a lack of industries and institutions to share risks.

3. There is no complete credit rating system and credit reporting system for small and medium-sized enterprises.

4. The enterprise itself: 1. The level of operation and management is low and there is a lack of high-quality talents.

2. The financial accounting system is imperfect and information is not transparent.

3. Internal and external reasons lead to external credit risks in small and medium-sized enterprises, resulting in poor growth and weak competitiveness.

4. The credit rating is low and the credit system construction lags behind.

About 1 million companies close down in our country every year, with an average of 2 companies closing down every minute. As long as any small, medium and micro enterprise survives for more than 3 years, it has reached the average level.

In fact, in the final analysis, it is because the company does not have enough funds, so it is easy to overturn.

If the entrepreneur himself lacks financial resources and cannot find investors, it is recommended that you try your project on different platforms, such as Mingde Capital Ecosystem, Whales, Chuangye.com, etc.

Under normal circumstances, funds and investors will cooperate with financing platforms, and they use the platform to screen projects worthy of investment.

You must keep your eyes peeled when choosing a platform online. Many platforms cost tens of thousands of dollars in fees but have no results.

If you are not sure, it is recommended to try the Mingde Capital ecosystem. Mingde Capital itself is engaged in investment, which is different from many platforms, which only act as intermediaries.

In addition, Mingde has more than 2,400 cooperation fund resources, and the docking rate for offline activities is relatively high. Hundreds of people participate in each event, nearly a hundred investors will be present, and many companies have received financing.

Hope this helps.

If you still have questions about the financing difficulties of small and medium-sized enterprises, you can click the online consultation button below to talk directly to the teacher.