All enterprises need money, but banks are not good men and women, and banks need to make money.

Instead of complaining about the high threshold of banks, it is better to rectify their financial situation and tap their potential.

It is worth listening to Citibank's advice to small and medium-sized enterprises: improving the report record: the banks value the company very much. Many small and medium-sized enterprises in the mainland belong to the boss "starting from scratch". In the early stage, they did not realize the importance of establishing a sound financial system. They only had simple and incomplete records, and the banks could not understand the real financial situation of the enterprises through these records.

Even if the actual operation of the company is excellent, it is difficult to give enough financing support to the enterprise.

Therefore, SMEs should gradually improve their own financial system.

Detailed, accurate and pparent financial statements will enable enterprises to get more opportunities on the road of financing.

In the traditional sense, accounts receivable can also be mortgaged. The banks attach the most importance to fixed assets such as machines, factories, land and so on. Enterprises also weigh the weight of their own financing on fixed assets.

In fact, the rational use of current assets owned by enterprises (such as accounts receivable, investment products, cash, etc.) can also get more financial support from banks.

At present, many Chinese and foreign banks, including Citibank, have provided liquidity loans, such as financing loans under the background of trade, which enable enterprises to fully activate their assets and expand their production.

The financing should not be over centralized or dispersed. Banks do not like the enterprises that are always in a state of affairs. When they are making capital plans, they should not be over centralized or over dispersed. They should pay attention to developing different financing channels.

We should establish stable partnership with banks and accumulate good credit records.

In the form of capital use, rational allocation of long, medium and short term financing should be made, so that the use of funds of enterprises will have some independence and risk resistance, so as to avoid a certain impact and lead to the complete financial paralysis of enterprises.

The enterprises in the upper and lower reaches of the "squeeze" business: advance credit, rational credit, and enterprises can choose a variety of financing channels according to their own characteristics and different stages of development: 1. financial institutions.

Entrepreneurial enterprises can get start-up capital from Guarantee Corporation, and growth enterprises can borrow money from banks to expand their business. After maturity, enterprises can even consider introducing venture capital or listing financing.

2. shareholders poured money into the company.

3. upstream and downstream manufacturers.

If the enterprise has stable upstream and downstream manufacturers, and they have good business strength, and are willing to help their buyers or suppliers to develop together, enterprises can also get some capital turnover by way of advance payment to upstream manufacturers and credit to downstream manufacturers.