How many financing options are there? What are the financing options?

There are several ways to finance a business:

1.Bank loans are divided into three categories: working capital loans, fixed asset loans and special loans according to the nature of funds;

2.Financing, because it has the characteristics of permanence, no maturity date, no need to return, and no pressure to repay principal and interest, so the financing risk is relatively small;

3.Bond financing and corporate bonds, that is, corporate bonds, are valuable bonds issued by enterprises in accordance with legal procedures and agreed to repay principal and interest within a certain period of time, indicating that the bond issuer and investors are in a creditor-debtor relationship;

4.Financial leasing and financial leasing are the combination of financing and financing, and have the dual functions of finance and finance, which have a very obvious role in improving the financing efficiency of enterprises and promoting and promoting the technological progress of enterprises. Financial leases include outright purchase leases, sell-back leasebacks, and leveraged leases.

5.Overseas financing and overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions, and bonds and financing business of enterprises in major overseas capital markets.

Common forms of financing:

1. Bank loans

Banks are the most important source of financing for enterprises. According to the nature of funds, they are divided into three categories: working capital loans, fixed asset loans and special loans. Special loans usually have a specific purpose, and their loan interest rates are generally relatively favorable, and loans are divided into credit loans, guaranteed loans and bill discounting.

2. Financing:

**It has the characteristics of permanence, no maturity date, no need to return, and no pressure to repay principal and interest, so the financing risk is small. **The market can promote enterprises to transform their operating mechanisms and truly become legal entities and market competition entities that operate independently, are responsible for their own profits and losses, are self-developing and self-restrictive. At the same time, the market provides a broad stage for asset restructuring, optimizes the organizational structure of enterprises, and improves the integration ability of enterprises.

3. Bond financing:

Corporate bonds, also known as corporate bonds, are valuable bonds issued by enterprises in accordance with legal procedures and agreed to repay principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the bond issuer and investors. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. In the bankruptcy liquidation of the enterprise, the creditors have priority over the shareholders to claim the remaining property of the enterprise.

Corporate bonds, like **, are both valuable and can be freely transferred.

4. Financial leasing

Financial leasing refers to a financing method in which the lessor purchases the leased property from the supplier according to the lessee's choice of the supplier and the leased object, provides it to the lessee for use, and the lessee pays the rent in installments within the period specified in the contract or contract.

5. Overseas financing:

The overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions, and bonds and financing business of enterprises in major overseas capital markets.

6. Pawn financing:

Pawn is a financing method that uses physical goods as collateral to obtain temporary loans in the form of transfer of ownership of physical objects.

Financing methods are:

1. Equity financing: refers to the financing method in which the shareholders of the enterprise are willing to give up part of the ownership of the enterprise and introduce new shareholders through the capital increase of the enterprise.

2. Debt financing: refers to the financing of enterprises by borrowing money, and the funds obtained by debt financing, the enterprise must first bear the interest of the funds, and repay the principal of the funds to the creditor after the loan expires.

3. Bank loan: refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies, and repays them within an agreed period. Moreover, the types of loans based on various criteria vary from country to country and from country to country at different stages of development.

4. Financial leasing: refers to the lessor's purchase of leased objects from suppliers and leases them to the lessee for use according to the specific requirements of the lessee for the leased objects and the selection of the supplier, and the lessee pays rent to the lessor in installments, and the ownership of the leased objects belongs to the lessor during the lease period, and the lessee has the right to use the leased objects.

Legal basis] Article 24 of the People's Bank of China Law of the People's Republic of China: People's Bank of China may ***** the financial department to organize the issuance and redemption of treasury bonds and other ** bonds to various financial institutions.

The company's external financing methods are mainly debt financing and equity financing.

1.Debt financing: The most common is bank loans. But now that the economic situation is bleak, bank loans need to be fully secured (mortgages, pledges and guarantees), such as a house and car pledged to the bank, and then the shareholders guarantee that if the company does not pay back, the shareholders will pay it back.

2.Equity financing: Looking for investors to invest money in the company, the PE VC that is often heard is equity investors. Now everyone wants to go to the main board, and the main purpose is for equity financing.

I understand a lot of companies that prioritize debt financing. Of course, choosing the right one for you is the most important thing.

Generally, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing, and overseas financing.

The first three financing methods used by most enterprises are equity financing and bank loans. If you want to find one that suits you, it is recommended to choose equity financing, which has the following advantages: low capital threshold; Low financing risk; It can prompt the company to improve the governance structure and management system, etc., and there is no need to "pay back".

In the financing platform, the Mingde Capital ecosystem is relatively reliable, not only making its own investment, but also more than 2,400 cooperative resources, and is committed to helping small and medium-sized enterprises improve their business level and promote equity financing. If you are not sure which financing platform is reliable, it is recommended to try it in the Mentor Capital ecosystem.

There are several types of financing: issuance**, bond issuance, and loan financing. Among them, the issuance of ** and bond issuance must be approved by the relevant regulatory authorities, and the procedures are more complicated, and the loan financing is more convenient, but the financing funds are relatively less than the first two methods.

[Legal basis].

Article 134 of the Company Law of the People's Republic of China.

When a company is approved by the ***** regulatory authority to issue new shares to the public, it must announce the prospectus and financial accounting report of the new shares, and prepare a subscription book. The provisions of Articles 87 and 88 of this Law shall apply to the public offering of new shares by the company.

Article 153.

The term "corporate bonds" as used in this Law refers to the valuable bonds issued by the company in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time. The issuance of corporate bonds by the company shall comply with the issuance conditions stipulated in the ** Law of the People's Republic of China.

Article 1 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

The term "private lending" as used in these Provisions refers to the act of financing between natural persons, legal persons and unincorporated organizations.

These Provisions do not apply to disputes arising from the issuance of loans and other related financial services of financial institutions and their branches established with the approval of the financial regulatory authorities to engage in loan business.

There are several types of financing that I know of, and the details are as follows:

1. Bank acceptance draft.

In order to reach a transaction, the two parties to the financing of small and medium-sized enterprises can apply to the bank for the issuance of a bank acceptance bill, and the bank shall formally accept the bank acceptance contract after examination and approval, and the acceptance bank shall sign the acceptance letter or seal on the acceptance bill.

2. Financial leasing.

Financial leasing for small and medium-sized enterprises refers to the financing method in which the lessor purchases the leased property from the supplier according to the lessee's choice of suppliers and leased objects, provides them to the lessee for use, and the lessee pays the rent in installments within the term specified in the contract or contract.

3. Real estate mortgage.

Real estate mortgage SME financing is the most widely used SME financing method in the market. In the financing of small and medium-sized enterprises with real estate mortgage, enterprises must pay attention to China's laws and regulations on real estate mortgage, such as the Guarantee Law and the Urban Real Estate Management Law, to avoid being deceived.