With the development of financing channels for small and medium-sized enterprises, various financing risks are beginning to appear. How to avoid various traps and accidents in the financing process in the development of SMEs becomes a problem that every small and medium-sized enterprises must face.

At present, financing difficulties have become a prominent problem that puzzles the development of small and medium-sized enterprises. Without capital operation, it is pushing the small and medium-sized enterprises to the edge of bankruptcy. If the enterprises fall into the financing trap carelessly in the financing process, it will be even worse.

In 2008, the financial turmoil in Wall Street almost swept the globe. This storm brought difficulties to Chinese SMEs, especially in small and medium-sized export enterprises.

Therefore, after the storm, more and more small and medium-sized enterprises are facing financing problems. At this time, all kinds of tricks and financing risks began to "occupy" the market. Experts remind that enterprises must pay attention to details in the financing process, avoid falling into the trap of financing, causing unnecessary losses.

One of the traps: first, to study the trap: first, to examine the reputation of China as a country of ceremonies. Therefore, during the period of enterprise financing, reception and accommodation arrangements for those who came to help are reasonable, but a certain type of inspectors must be careful.

On the premise of not knowing the situation of the enterprise, it requires the inspection of the enterprise, and requires the enterprise to pay the inspection fee. Not only that, but also the high requirement for the inspection fee.

In China, investment institutions that require payment of investigation fees are not common. Real capital providers usually arrange their own visits.

Trap two: project acceptance fee, the cost of project acceptance fee refers to the cost that the financing institution requests the financing enterprise to pay for the project evaluation and project pretrial after receiving the relevant information of the enterprise, especially the investment company known as a foreign capital background.

In the case of the following circumstances, the financing enterprises should be vigilant and the hoax is coming.

The financing institutions of the financial institutions do not make substantive audit on the financing enterprises' project data, that is, the preliminary conclusion of the accreditation; the conclusion of the initial evaluation of the projects which do not have the conditions; for the purpose of charging the project acceptance fees, and not for the purpose of project investment, they reject the financing enterprises on various grounds in the substantive evaluation stage of the project.

Xu Qiyun, editor in chief: