County Small And Micro Business Financing Scheme Design

Small micro enterprise is the main body of the county economy, it’s also an important force in China’s economic transformation and upgrading. Macroeconomic decline in recent years make the phenomenon more and more prominence that our country’s small micro enterprise financing difficult and sales difficult. This article argue from the perspective of financing and marketing, propose a way which can help part of retail small micro enterprise break through the current business difficulties is to transform marketing mode and building a network marketing system. Combine the examples of YH company with modern financing theory and financial cost management principle to analyze the Cost, mode, financing channels, financing efficiency of building the network marketing system, then put forward the targeted solution, think that YH company network marketing should take commodity intermediary trading mode, on the choice of the financing way, it should first consider the retained earnings financing which belongs to endogenous financing. Second, borrow from formal financial institutions or small loan company. Finally, seek the aid of private lending, but due to pay attention to the financing risk. The proportion of external financing needs will be changed with the promotion cost proportion, only when promotion costs down to a reasonable proportion, building a network marketing system is feasible.