Medium and small businesses should obtain oneself to develop the fund that is badly in need of, basically have the way of the following respects:

One, governmental support

Shorting in view of capital is one of outstanding problems that place of development of medium and small businesses of world each country must face, a lot of economy developed countries use all sorts of banking measures generally to give aid to medium and small businesses, and the most commonly used is the government assures loan. Be like bureau of young business management, british loan assures a plan (the credit of medium and small businesses of Loan Guar-antee Scheme) , Hong Kong assures to plan to wait. Be in China, government of the policy that begins to carry out loan of pair of medium and small businesses to undertake giving aid to from 80 time end, China rolled out education early or late 863 special, torch are special, special wait for special loan, trade of classics of the country end last year appoint allotted again " credence of medium and small businesses assures the system builds pilot work program " , the development that promotes financial orgnaization actively to be medium and small businesses is offerred assure. How to make full use of these favourable policy, also be a channel that medium and small businesses solves capital to lack.

2, capital financing (Asset Based Finance)

The property that owns with the company namely makes financing plan of the foundation, this is the financing method with Euramerican at present main medium and small businesses, can prepare come the financing with short-term, long-term even metaphase. Specific for, medium, long-term financing is OK the fixed assets that the company has, with instalment, rent, hire after carry out answer or the means such as integral sex investment lends a money. Short-term fund, basically with bill discount, loan of loop of receivable perhaps money, goods in stock is given priority to. Particular way is the receivable money the company (all or part) carry out grants the person that capital financing is offerred takes ready money with covering, sell credit effectively changeover to be cash sale, accelerate capital circumfluence. Selling bill is the price that points to enterprise general bill to agree according to a both sides (the 60-90% that is bill par value commonly differs) the person that refer capital to offer regularly, after getting bill, the person that capital is offerred pays a company money, wait for after getting payment for goods, deduct concerned charge or interest, return balance the company. The person that this money can be offerred by capital is chased after close, also but by collection of company proper motion. The key of this kind of means is to find the bank that has this kind of business or company.

3, venture fund (Venture Capital)

Venture fund is compared in abroad general, for example venture fund association of England (group of British Venture Capital Association) , 3I, start in China later, 80 time end just appears, basically do poineering work with Chinese science and technology fiducial investment firm is international of science and technology of company of venture capital investment, China delegate, fund of overseas venture capital investment begins to land China at the beginning of 90 time, like risk of technology of PTV-CHINA(Pacific Ocean) , WIIG(China publish investment group) etc, in recent years the so-called business hatch that home appears implement it is similar venture fund company actually. General invest in is in venture fund initiate phase, have good market and product perspective, perhaps manage a layer to buy (the enterprise of Management Buyouts) , it is the main fund source that is in the high-tech business that starts level. In recent years, companies of more and more venture capital investment expressed interest to medium and small businesses, at present this kind of investment occupies the 1/3 of amount of venture capital investment. But, the requirement of venture fund is very slashing also, for example: Venture fund often asks the certain equity of hold company, the requirement participates in a board of directors, the requirement provides detailed report, the ability that states layer of feature of development plan, financial program, product, management. On capital stock structure, still ask business management layer must invest fixed proportional capital, be in commonly 25% the left and right sides, be opposite in order to restrain administrative layer the acceptance of the enterprise.
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