1000 Business Lessons Every Businessman Must Know

Chapter 75 Networking in Finance: When it matters, it will show its importance

607. Understand the requirements of banks for enterprises
Dealing with banks is actually a process of communication, just like cooperation. Only when you understand his needs and he knows your situation, can the two parties cooperate.

If you want to get a loan, you must first understand what the bank requires of the company, what can impress the bank, and what is the bank most worried about?Then go out and "prescribe the right medicine" and "follow what you like" to introduce all aspects of your company to the relevant departments of the bank, such as business philosophy, business performance, planning, product technology and market prospects, etc., and sometimes even the weaknesses of your company , The risks or difficulties faced are explained to them clearly.

In this way, on the one hand, comprehensive introduction of information will help them understand and recognize the company; on the other hand, your frankness will make it easier for them to gain their trust and support.In addition, indicators such as loan ratio, asset-liability ratio, cash flow, guarantee ratio, and main business income growth rate should all be within the scope of the bank's requirements, because the risk that the bank cares about is also your own risk.If you do not take risky behaviors such as excessive recklessness and "breaking the boat" in your business decision-making, this will not only help you obtain bank loans, but more importantly, it will also benefit your own business.

In addition, the financial system, financial statements, and financial structure of the enterprise must be adjusted according to the formal requirements of the bank, which is conducive to the bank's evaluation of the operating status of the enterprise.

608. Inviting relevant bank personnel to visit the enterprise
If there is an opportunity, it is best to invite relevant bank staff to visit the company to further demonstrate the company's good operating strength and potential.Because listening to your introduction is far less credible than what he saw with his own eyes.

The company's strategy, scale, short-term development and long-term planning, business philosophy, and even good work style, employees' mental outlook, etc., will help to obtain the support of the bank.

In particular, the corporate culture with "vitality" is very powerful. It shows the great ambition and sentiment of an enterprise, shows the market competitiveness and profitability of the enterprise; the attitude of the enterprise to customers and partners.If the bank leader agrees, you will be able to earn a lot of excellent points when evaluating the business status of your business.

609. Invite them to participate in corporate boards when necessary
Invite them to sit on corporate boards when necessary.On the board of directors of an enterprise, the financial operation and operating status of the enterprise are the most transparent. This is the best integrity management report for the bank. The bank has no reason not to believe that such an enterprise is not an excellent credit enterprise.

In 2001, we invited the heads of relevant departments of relevant banks to participate in the board of directors of Himin Group. In 2002, the Shandong Branch of the Agricultural Bank of China granted Himin a credit of 2 million yuan. Himin is the best proof of good reputation, and at the same time, it gives our partners, customers and shareholders confidence in reputation.

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