マネー/ファイナンス The Turning Point編集部

銀行に嫌われない上手な付き合い方

個人であれ、法人であれ、起業するなら銀行をはじめとした金融機関との取引が発生します。
特に、開業資金や運転資金の融資を受けたければ、金融機関に嫌われたらアウトです。
どんなことに気をつければいいのか、大きく3つのポイントに分けて見ていきます。

 

１．相手（銀行）を知る

あなたが相手（銀行）に伝えるべきことは何でしょうか？それは、相手が知りたいことを理解しなければ、伝えることは不可能です。あなたが伝えたいことは必ずしも相手が知りたいことではありません。多くの人はこの事実に気づいていません。

相手はあなたにお金を貸そうとする立場です。つまり、「信用」「信頼」が全てです。あなたのことが信用できなければ、融資が下りることはありません。
求められる提出書類を形式的にとらえず、融資担当者にどんな情報がどれくらい必要なのか、質問して引き出してください。

注意すべきは、銀行と言っても実際には感情を持った銀行員という人の集まりです。融資なら融資担当と決裁者の信用が得られるかどうかが全てです。
まずは相手を理解することからはじめましょう。

２．自分のことを知ってもらう

相手のことを理解できたら、今度は相手（銀行）に自分のことを知ってもらわなければなりません。そして、その一番の目的は、あなたが信用できる人物である、つまり、約束通りに返済できる人であると認識してもらうことです。
相手からすれば、そうした経済的観点だけではなく、あなたの会社が社会的に影響力が大きければ大きいほど、あなたと取引すること自体に魅力を感じることになります。

一番注意すべき点は、あなたのビジネスのミッション、ビジョン、バリューなどには一般的には関心がなく、売上や利益、キャッシュフローの見込とその根拠に最も関心があるということです。これは、あなたがお金を貸す立場になればわかることです。

銀行はお金を貸して、利子をつけて回収することで利益を得るビジネスをしています。返済が滞ったり、貸し倒れになるリスクが最も大きく、一番避けたいリスクなのです。
その観点から考えてコミュニケーションを図り、資料を作成し、プレゼンテーションをするようにすることが求められます。

３．銀行はあなたのビジネスパートナー

あなたがこれから起業してビジネスを発展させるなら、金融機関との取引は不可欠になります。必要な資金の調達、各種決済や資産運用など、あらゆることで関わっていくことになります。
会社員だと給与の受け取りと、振り込み程度の利用しかないかもしれませんが、起業するとなるとそれだけでは済まなくなってきます。

たとえ今すぐ特別な取引の必要性が無くても、長いビジネスでいつ何が起きるかわかりません。困ったときに助けてもらえるかどうかは、普段の付き合いからつくられる関係性次第です。少なくとも信用を失うような言動だけは避けるようにしてください。

2,475 件のコメント

  • Whats Going down i am new to this, I stumbled upon this I’ve discovered It absolutely helpful and it has helped me out loads. I am hoping to contribute & aid other customers like its helped me. Good job.

  • GO!!!
    This phrase was said by the first cosmonaut on Earth – Yuri Gagarin. (Yuri Gagarin)
    He was the first astronaut on Earth. He was Russian! …
    Now Russia is becoming a strong country, gas pipelines, a vaccine against COVID-19, an army.
    Is this very reminiscent of the communist Soviet Union?
    How do you think?
    Now we have total control in our country. I am interested in the opinion of foreigners.

    Албонумисматико

    ПОЕХАЛИ!!

  • GO!!!
    This phrase was said by the first cosmonaut on Earth – Yuri Gagarin. (Yuri Gagarin)
    He was the first astronaut on Earth. He was Russian! …
    Now Russia is becoming a strong country, gas pipelines, a vaccine against COVID-19, an army.
    Is this very reminiscent of the communist Soviet Union?
    How do you think?
    Now we have total control in our country. I am interested in the opinion of foreigners.

    Албонумисматико

    ПОЕХАЛИ!!

  • There are some interesting deadlines in this article however I don’t know if I see all of them center to heart. There may be some validity however I will take hold opinion until I look into it further. Good article , thanks and we would like more! Added to FeedBurner as effectively

  • After I originally left a comment I appear to have clicked on the -Notify me when new comments are added-
    checkbox and from now on each time a comment is added I receive four emails with the same comment.

    Perhaps there is an easy method you are able to remove me from that service?

    Thanks a lot!

  • Hello! I just would like to give a huge thumbs up for the great info you have here on this post. I will be coming back to your blog for more soon.

  • What¦s Going down i am new to this, I stumbled upon this I’ve found It positively useful and it has helped me out loads. I am hoping to give a contribution & aid different customers like its helped me. Good job.

  • This is really fascinating, You are a very skilled blogger.
    I’ve joined your feed and sit up for in the hunt
    for extra of your magnificent post. Also, I have shared your website
    in my social networks

  • Valuable information. Fortunate me I discovered your site accidentally, and I am surprised why this accident did not came about earlier!
    I bookmarked it.

  • excellent put up, very informative. I wonder why the opposite specialists of this
    sector don’t notice this. You should proceed your writing. I’m confident, you’ve a huge readers’ base already!

  • It is in point of fact a nice and useful piece of
    info. I’m satisfied that you shared this useful info with
    us. Please keep us up to date like this. Thank you for sharing.

  • I was very pleased to uncover this great site. I wanted to thank
    you for ones time for this particularly fantastic read!!
    I definitely loved every bit of it and I have
    you bookmarked to see new stuff on your blog.

  • Hello there! This post couldn’t be written much better!
    Reading through this post reminds me of my previous roommate!
    He constantly kept talking about this. I’ll send this information to him.
    Pretty sure he’s going to have a very good read. I appreciate you for sharing!
    scoliosis surgery https://0401mm.tumblr.com/ scoliosis surgery

  • Холостячка 2 сезон https://bit.ly/39ioLkW Смотреть онлайн шоу Холостячка 2 сезон на СТБ.
    Пост шоу можно смотреть тут. Холостячка стб 2 сезон 1-2 серия

  • Холостячка 2 сезон https://bit.ly/39ioLkW Смотреть онлайн шоу Холостячка 2 сезон на СТБ.
    Пост шоу можно смотреть тут. Холостячка стб 2 сезон 1-2 серия

  • Холостячка 2 сезон https://bit.ly/39ioLkW Смотреть онлайн шоу Холостячка 2 сезон на СТБ.
    Пост шоу можно смотреть тут. Холостячка стб 2 сезон 1-2 серия

  • КИЇВ. 21 вересня. УНН. Український суперважкоатлет Олександр Усик (17-0, 13 КО) і володар титулів wba, ibf, wbo і ibo в суперважкій вазі Ентоні Джошуа (24-1, 22 КО) провели відкрите тренування у Лондоні в рамках підготовки до очного Александр Усик Энтони Джошуа смотреть онлайн Украинский боксер Александр Усик пожелал британцу Энтони Джошуа хорошего дня. Видео он опубликовал в Instagram

  • У суботу в Лондоні на арені футбольного клубу «Тоттенгем Готспур» Олександр Усик спробує відібрати чемпіонські пояси у британця Ентоні Джошуа.Український боксер в столиці Англії провів відкрите тренування і дав Энтони Джошуа Александр Усик 25.09.2021 Бій Усик-Джошуа: боксери провели відкрите тренування

  • С любовью для вас двенадцать свежих сериалов для поклонников драмы.
    Бумажный дом 5 сезон 7 серия смотреть онлайн смотреть онлайн.
    Закачивайте по году выхода, Сериалы жанра “Детектив”.
    Кроме того наш проект предоставляет реестр
    каналов СТС, HD ТВ Центр, 4K Пятый канал,
    прямой эфир Eurosport 1, трансляция Bollywood HD.

  • I am not sure where you are getting your information, but great topic. I needs to spend some time learning more or understanding more. Thanks for excellent information I was looking for this information for my mission.

  • Hi there! I understand this is kind of off-topic however I needed to ask.
    Does building a well-established website like yours take a lot of work?
    I’m completely new to writing a blog but I do write in my
    journal on a daily basis. I’d like to start a blog so I can easily share my personal experience and thoughts online.
    Please let me know if you have any ideas or tips for brand
    new aspiring bloggers. Thankyou! https://parttimejobshiredin30minutes.wildapricot.org/ part time jobs hired in 30 minutes

  • First off I would like to say superb blog! I had a quick question that I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your head before writing. I’ve had a hard time clearing my mind in getting my ideas out there. I truly do enjoy writing however it just seems like the first 10 to 15 minutes tend to be lost just trying to figure out how to begin. Any recommendations or tips? Many thanks!|

  • I am really inspired together with your writing talents as smartly as with the format on your blog.
    Is that this a paid topic or did you modify it yourself?
    Either way keep up the excellent quality writing, it’s rare
    to see a great weblog like this one these days..

  • Amazing! This blog looks just like my old one!
    It’s on a completely different topic but it has pretty much the
    same layout and design. Great choice of colors!

  • It is perfect time to make some plans for the future and it is time to be happy. I’ve read this put up and if I may just I desire to recommend you few attention-grabbing things or tips. Perhaps you can write next articles relating to this article. I want to read more issues approximately it!|

  • Excellent blog you have here but I was curious about if you knew of any message boards that cover the same topics talked about in this article? I’d really like to be a part of group where I can get opinions from other experienced people that share the same interest. If you have any recommendations, please let me know. Kudos!|

  • When I originally commented I seem to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I get 4 emails with the exact same comment. Is there a means you can remove me from that service? Kudos!|

  • I got this web site from my buddy who informed me regarding this website and at the moment this time I am visiting this web site and reading very informative articles at this place.|

  • It’s actually very complex in this full of activity
    life to listen news on TV, thus I just use the web for that reason, and obtain the hottest information.

  • Nice post. I used to be checking continuously this blog and I’m inspired! Very useful information particularly the closing section 🙂 I handle such information a lot. I used to be looking for this particular information for a long time. Thanks and best of luck. |

  • This will be the fifth time these two sides have met, all of which have come in the past 15 months. The first came in the 2019 20 Champions League semi-final which PSG won, setting the standard for this fixture as they have won three of the four games so far. The first Manchester derby of the season takes place on Saturday, with both clubs coming into the game on the back of contrasting Premier League results. This expert gives his best game of the day comprising of 2 and 4 football odds accumulator to our investors This expert gives his best game of the day comprising of 2 and 4 football odds accumulator to our investors The Hammers will still be well drilled at the back, though, so a repeat of the Draw HT Man Utd FT outcome at 16 5 is our first Man Utd vs West Ham prediction. http://www.cruzenews.com/wp-content/plugins/zingiri-forum/mybb/member.php?action=profile&uid=632589 Arsenal's 22-year-old French midfielder Matteo Guendouzi is currently in his second season of being loaned out by the London club after failing to impress Mikel Arteta. In addition to this Julian Nagelsmann, the current Bayern manager, is a fan of the defender. Nagelsmann believes that Niklas Sule is already a world-class footballer and believes he can do more in the coming years. Hence, we may see Niklas Sule extend his stay at Bayern. But the interest from other clubs is also strong. Having topped the class in Guardiola’s school of tiki-taka football, all 14 Manchester City players involved in the 5-0 thumping – goalkeeping Ederson included – completed more passes than Arteta’s Arsenal players. The Athletic reported that Arsenal had signed 19-year-old midfielder Tim Akinola. A few days later, Arsenal confirmed the news.

  • I am now not sure the place you’re getting your info, however good topic. I needs to spend some time studying much more or understanding more. Thank you for fantastic info I used to be searching for this info for my mission.|

  • It’s a pity you don’t have a donate button! I’d most certainly donate to this fantastic blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to new updates and will talk about this site with my Facebook group. Talk soon!|

  • My spouse and I absolutely love your blog and find the majority of your post’s to be precisely what I’m looking for. can you offer guest writers to write content for yourself? I wouldn’t mind publishing a post or elaborating on most of the subjects you write concerning here. Again, awesome weblog!|

  • I was actually itching to treat some wager some well-to-do on some sports matches that are phenomenon auspicious now. I wanted to disillusion admit you guys know that I did find what I ruminate on to be the trounce locate in the USA.
    If you fall short of to confound in on the engagement, scrutinize it minus: bonus casino no deposit

  • Howdy fantastic website! Does running a blog similar to this take a massive amount work? I have no knowledge of computer programming but I had been hoping to start my own blog in the near future. Anyways, if you have any recommendations or techniques for new blog owners please share. I understand this is off topic nevertheless I just needed to ask. Appreciate it!|

  • We stumbled over here coming from a different web address and thought I may as well check things out. I like what I see so i am just following you. Look forward to exploring your web page yet again.|

  • An impressive share! I’ve just forwarded this onto a colleague who had been conducting a little research on this. And he in fact ordered me dinner due to the fact that I stumbled upon it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to talk about this issue here on your site.|

  • I like the helpful info you provide in your articles. I’ll bookmark your blog and check again here regularly. I’m quite sure I will learn plenty of new stuff right here! Best of luck for the next!|

  • Wow! This blog looks exactly like my old one! It’s on a entirely different subject but it has pretty much the same layout and design. Outstanding choice of colors!|

  • Join your favorite princess ponies in the most prestigious fashion & academy around! Get ready for a semester full of… Copyright © Girls in Gaming 2021 PRESS ENTER TO SEARCH Are you curious about crushes and dating? We’ve also got some great love quiz games, lover meters and love testers. Run them on your crushes, your friends’ crushes, and your classmates to see how your and their fortunes will fare in love. And speaking of dating, how about some super funny secret kissing games? Can you help the lovey-dovey couple kiss without anybody seeing them do it? Make gold with the perfect calculations! Barbie Fashionistas – Style Your Crew Make gold with the perfect calculations! Join your favorite princess ponies in the most prestigious fashion & academy around! Get ready for a semester full of… https://livefitbykay.co.za/community/profile/bridgetdehamel/ Classic Solitaire players also enjoy: Solitaire, a game is also known as Patience, Klondike solitaire, or simply Solitaire Classic is the most famous of all solitaire games. And with good reason! Everybody loves this timeless classic and everyone knows the Microsoft Solitaire version. We’ve taken the best parts from the Microsoft Solitaire game and improved on it. We hope you’ll enjoy it. Now that you know how to make moves in solitaire, you just need to decide whether to play the games that waste one or three cards at a time — classic Klondike solitaire deals three at a time, but one card is easier for beginners. Search Worried about damaging your sudoku puzzle with eraser marks? When you play our free online sudoku game, there’s no need! You can choose easy sudoku, medium sudoku, or even sudoku for experts if you are confident. You can place notes, find sudoku tips, manage the timer and save the sudoku game by clicking the menu bar in the top-right corner. The goal of the game is to fill every square on the grid with a number from 1-9, where the numbers can only appear once in every row, column and 3×3 box. The best part of the game: This free online sudoku game delivers a new puzzle each and every day!

  • Currently it looks like Expression Engine is the top blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?|

  • В принципе особенных проблем с потенцией не было, но решил купить, чтобы получить новые ощущения в сексе. Капли супер, чувствительность повысилась, да и длительность секса тоже. Радует, то средство натуральное и безопасное. Партнерша довольна, все окей. Оливковое масло – один из самых популярных элементов различных диет. Многие рекомендуют его в сравнении с обычным растительным. И не зря. Оно поддерживает работу главных мужских функции до самой старости и вообще содержит много витаминов. Об Эроксине узнал из интернета, о нем ходит молва, что очень сильное средство. Мне именно такое и было нужно, потому что аналоги которые я пробовал, эффект давали слабый. Оглавление Для того чтобы оформить заказ как поднять потенцию народными средствами необходимо оставить свои контактные данные на сайте. В течение 15 минут оператор свяжется с вами. Уточнит у вас все детали и мы отправим ваш заказ. Через 3-10 дней вы получите посылку и оплатите её при получении. http://xn--26-jlc6c.xn--p1ai/user/n5ehovr256 Для меня этот препарат уже испытанный, полгода назад его для себя открыл, с тех пор иногда принимаю. полгода назад у меня беда с потенцией была, но препарат исправил всё за пару недель, теперь я принимаю его для усиления мужской силы и для общего тонуса, он меня немного сильнее и бодрее делает, в мои годы это ощущается и вреда средство не приносит, только положительный эффект. Вне зависимости от формы и стадии эректильной дисфункции, это состояние требует профессиональной медицинской помощи. Правильное и своевременно начатое лечение с соблюдением всех врачебных рекомендаций позволяет в большинстве случаев восстановить нормальную половую функцию и сохранить ее на долгие годы. КонтактыСхема проезда Возврат к списку Здравствуйте! Мы всегда рады услышать от Вас любые пожелания и замечания к качеству обслуживания в клинике. Ответ на обращение предоставляется только Пациенту или его официальному уполномоче