初创企业创新融资方式及风险控制

Innovative Financing Mode and Risk Control of Start-up Enterprises

缺乏抵押品是初创企业融资难的重要原因。初创企业通过民间借贷成本高、风险大,可以把企业的成品、半成品、原材料库存等流动资产作为质押物,由银行认可的第三方物流公司对上述货物进行监管,保证货物总体价值高于银行授信额度,并在完善抵押登记手续的基础上,由银行为初创企业提供融资。物流公司负责货物的监管,实际上是银行将评估抵押货物价值、货物灭失、货物跌价失信的风险转嫁给了物流公司,物流公司在其中起到担保者的作用。物流公司可以利用功效系数法分析初创企业融资存在的风险并进行预警,要掌握初创企业经营状况、防范法律风险以降低自身风险。

It is difficult for start-up enterprises to achieve financing without proper collateral. Private lending is costly and risky, but there is still the stock of liquid assets. Start-up enterprises have finished products, semi-finished products, raw materials, inventory and so on. These liquid assets can be used as collateral, which can be supervised by logistics company as the third party approved by the bank and of which the total value will be higher than the credit line. After improving the registration procedures of collateral, the bank will provide financing for start-up enterprises. The logistics company will oversee the goods. In fact, the bank transfers the value, risks of damage or loss or depreciation of goods to the logistics company, which plays a role guarantor. As for logistics companies, We can use the efficacy coefficient method to analyze the risk of financing in the start-up enterprises, and to carry out early warning, they mainly reduce their risks through two aspects of mastering business conditions of start-up enterprises and prevention of legal risks.