First of all, what is a loan:
Refers to the funds borrowed by enterprises from banks and other financial institutions and other units, including credit loans, mortgage loans and trust loans. Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.
A new Internet "P2P" model, that is, using the Internet as a platform to match the transactions between borrowers (peers) and individual investors (peers), investors are optimistic about the project and lend money to people in need. The advantages of Internet P2P model are "fast, efficient, and not limited by region". In recent years, the "lightning borrowing" mode of mobile Internet and WeChat has gradually become popular, and the mobile Internet has more efficient and convenient attributes, which has brought a new operating mode to traditional borrowing.
Second, the advantages of lending:
1, quick financing
2. The loan is flexible.
3, the cost is low
4. Give full play to financial leverage.
It is easy for enterprises to keep financial secrets.
Third, the disadvantages of lending:
1, the financing risk is high.
2. There are many restrictions on use.
3. The amount of funds raised is limited.
Four, what is long-term borrowing:
Long-term loans can be divided into three types according to the different purposes of loans: capital construction loans, technical transformation loans and production and operation loans.
According to the different repayment methods, long-term loans can be divided into one-time repayment and installment repayment.
According to the methods of paying interest and repaying principal, it can be divided into long-term loans with interest paid by installments, long-term loans with interest paid by installments and long-term loans with principal and interest repaid by installments.
According to the different types of currencies involved, long-term loans can be divided into RMB long-term loans and foreign currency long-term loans.
According to different sources, long-term loans can be divided into long-term loans from banks and long-term loans from other financial institutions.
Verb (abbreviation for verb) What is a short-term loan?
Short-term loans refer to the funds needed by enterprises to maintain normal production and operation, or all kinds of loans borrowed in full from banks or other financial institutions, and the repayment period is within one year or within an operating cycle.
Classification of short-term loans:
Short-term loans of industrial and commercial enterprises mainly include: operating revolving loans, temporary loans, settlement loans, bill discount loans, seller's credit, pre-purchase deposit loans and special reserve loans.