Core Insights - The article emphasizes the critical importance of proactive financial planning for small and micro enterprises, highlighting that waiting until a financial crisis occurs to seek funding can lead to detrimental outcomes [1][14] Group 1: Financial Planning Philosophy - The concept of financing should not be reactive but rather a proactive strategy that is implemented when the business is performing well, aligning with the principle of preparing in good times to weather future storms [3][14] - A forward-thinking approach is central to the service philosophy of the company, which focuses on enhancing business awareness and providing innovative planning to empower enterprises [4] Group 2: Comprehensive Financial Planning Methodology - The company proposes a "Four Major Planning" system, which is based on extensive practical experience with over 30,000 enterprise clients, aimed at establishing a comprehensive financial safety net [6][8] - The four key dimensions of this planning system include: 1. **Financial Planning**: Emphasizing low-cost funding through precise business positioning and professional design to access funding channels below market average [8] 2. **Asset Planning**: Aiming to unlock the value of dormant assets by understanding their valuation logic in funding channels [8] 3. **Credit Planning**: Treating credit as an "economic ID" that requires careful maintenance to ensure smooth funding access [8] 4. **Debt Planning**: Systematically organizing existing liabilities to reduce overall funding costs and address structural issues [8] Group 3: Practical Insights from the Training Session - During the training session, participants raised questions about preventing loan withdrawals and assessing property values, indicating a strong interest in practical financing strategies [10] - The CEO outlined three core aspects that banks focus on for credit approval, including hard indicators like annual invoicing over 10 million or annual tax payments exceeding 100,000, along with the absence of major litigation [10] - Two key strategies for risk prevention were highlighted: maintaining a revenue growth of over 10% annually to demonstrate operational resilience and leveraging connections with state-owned enterprises to enhance creditworthiness [12]