array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(24) "无房无车信用贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(904461) ["id"] => string(6) "904461" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941342330919) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/904461" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/904461" } [1] => array(11) { ["tagname"] => string(15) "想贷款创业" ["inlink"] => int(0) ["addtime"] => string(10) "1598924010" ["tagid"] => int(968844) ["id"] => string(6) "968844" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943180484635) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/968844" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/968844" } [2] => array(11) { ["tagname"] => string(18) "家装创业项目" ["inlink"] => int(0) ["addtime"] => string(10) "1593575176" ["tagid"] => int(267742) ["id"] => string(6) "267742" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503919377809438) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/267742" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/267742" } [3] => array(11) { ["tagname"] => string(24) "农村个人创业项目" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(912004) ["id"] => string(6) "912004" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941550997531) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/912004" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/912004" } [4] => array(11) { ["tagname"] => string(24) "个人小额创业项目" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(911986) ["id"] => string(6) "911986" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941550997513) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/911986" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/911986" } [5] => array(11) { ["tagname"] => string(24) "农村小额创业项目" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(912006) ["id"] => string(6) "912006" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941550997533) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/912006" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/912006" } [6] => array(11) { ["tagname"] => string(21) "征信不良想贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(894748) ["id"] => string(6) "894748" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941074944004) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/894748" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/894748" } [7] => array(11) { ["tagname"] => string(30) "武汉公寓项目如何投资" ["inlink"] => int(0) ["addtime"] => string(10) "1600481566" ["tagid"] => int(1512098) ["id"] => string(7) "1512098" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503962388299783) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1512098" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1512098" } [8] => array(11) { ["tagname"] => string(24) "工行投资理财项目" ["inlink"] => int(0) ["addtime"] => string(10) "1598924154" ["tagid"] => int(974778) ["id"] => string(6) "974778" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943345111062) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/974778" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/974778" } [9] => array(11) { ["tagname"] => string(31) "目前已有3车站移交运营" ["inlink"] => int(0) ["addtime"] => string(10) "1600481739" ["tagid"] => int(1612156) ["id"] => string(7) "1612156" ["depart"] => 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"//www.sheji456.com/ask/tlist/1733617" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1733617" } [12] => array(11) { ["tagname"] => string(18) "房产项目投资" ["inlink"] => int(0) ["addtime"] => string(10) "1598924155" ["tagid"] => int(987775) ["id"] => string(6) "987775" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943706869763) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/987775" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/987775" } [13] => array(11) { ["tagname"] => string(18) "房产投资项目" ["inlink"] => int(0) ["addtime"] => string(10) "1598924155" ["tagid"] => int(987785) ["id"] => string(6) "987785" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943706869773) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/987785" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/987785" } [14] => array(11) { ["tagname"] => string(24) "明日是城市无车日" 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想创业，已有项目，投资还差十万左右，无房无车，征信良好，之前是装

想创业，已有项目，投资还差十万左右，无房无车，征信良好，之前是装

浏览：25次 | 提问时间： 08-03 05:40

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Exstence空 08-03 05:41

银行贷款对于大部分创业者来说，银行贷款是最为传统的筹款方式。目前能够为创办中小企业提供贷款的银行主要有四大国有商业银行的中小企业信贷部，同时，光大银行、广东发展银行、中信银行等金融机构也纷纷推出了专为个人创业者打造的贷款品种，这些举措都将使个人创业者的资金筹集问题变的越来越简单。所以，对普通创业者来说，根据自身情况科学地选择适合自己的贷款品种，创业将会变的更加轻松。

繁华落尽他已看淡红尘 08-03 05:49

合伙入股创业社会化是一种趋势，由于一个人往往势单力薄，所以几个人凑在一起会更有利于创业资金的筹集。另外，合伙创业不但可以有效筹集到资金，还可以充分发挥人才的作用，而且有利于对各种*的利用与整合。对于资金力量不够雄厚的百姓创业者来说，这种合伙经营的方式还可以有效地分解风险，如果创业不成功，由此带来的风险会由几个人共同分担，相对一个人创业来说个人的损失就要小得多。虽然合伙投资可以解决资金不足的困难，但也应当注意一些问题：一是要明晰投资份额。大家在确定投资合伙经营时应确定好每个人的投资份额。平分股权的方式并不一定是最好的选择，因为如果平均进行股份额度分配，必将导致各股东之间权利和义务的相等，这样反倒不利于很好的分工，明确责任，从而会使主要经营目标难以实现，为以后的矛盾埋下祸根；二是合伙人之间必须要加强*沟通。很多人合作总是因为感情好，你办事我放心，所以就相互信任。但假如因此而不注意交流沟通，就容易产生误解和分歧，不利于合伙基础的稳定；三是要事先确立章程。俗话说没有规矩，不成方圆。做企业就应该亲兄弟明算帐，把丑话说在前头，不能因为大家感情好，或者有血缘关系，就没有企业章程，章程是行为准则，是经营依据，没有它也就没有了依据，是合作的大忌。

不允诺 08-03 05:57

对于百姓创业者来说，由于处在起步阶段，贷款能力有限，相当一部分资金需要依赖自有资本，通常会依靠多年积蓄以及向亲朋好友，包括亲戚、朋友、同事、同学等借钱的方式。这是一种最简便可行的方式。但是，在自筹资金的过程中，创业者必须注意以下几个问题：首先，无论亲戚朋友给予的资金有多少，原则上，经营事业必须保证自己拥有主导权，也就是说，自己应该投入最大的股权，否则的话，创业者在企业经营过程中就会由于过多的受到他人的制约而缺乏魄力。所以，创业者要想事业顺利，自己就必须拥有足够的资金，这是创业者首先必须具备的经济观念。其次，创业者自己必须是具备“储蓄性格”的人。那些下个月的薪水还没有领到、这个月薪水就花光的人，或者是到处向人三千、两千借钱的人，都不够资格自己经营事业。现在，这种储蓄性格也是很多银行在贷款给客户的时候都要事先考察的一个项目。具备充分储蓄性格的人，自然就具备了偿还能力，这也就是所谓的信用基础，只有具备了这样的信誉，别人才会敢借钱给你。所以，每个月能够持续积蓄一部分资金的人，二三年间也就能积累一笔不少的资金了。这样，不仅自己有了比较充足的资金储备，而且也能为能够顺利地从亲戚朋友那里借到钱，打下了一个良好的信誉基础

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想创业，已有项目，投资还差十万左右，无房无车，征信良好，之前是装

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