1, internal financing channel. Internal financing channels of enterprises refer to opening up sources of funds from within enterprises. There are three sources of funds within an enterprise: free funds of the enterprise, taxes and interest payable by the enterprise, and unused or undistributed special funds of the enterprise. Generally, in enterprise mergers and acquisitions, enterprises choose this channel as much as possible, because this method has good confidentiality and enterprises do not have to pay the borrowing cost, so the risk is very small.
2. External financing channels. External financing channels refer to the sources of funds opened by enterprises from the outside, mainly including: professional bank credit funds, non-financial institutions' funds, other enterprises' funds, private funds and foreign capital. Raising funds from outside the enterprise has the advantages of high speed, great flexibility and large amount of funds, and is generally the main source of raising funds in the process of mergers and acquisitions. However, its disadvantage is poor confidentiality, and enterprises need to bear high costs, resulting in high risks, which should be paid attention to during use. Federation of Industry and Commerce Investment and Financing Online
2. What are the auto financing loan channels?
1, Sichuan
Bank loan is a traditional loan method. After all, it is a bank. Don't worry about arbitrary charges or unfair terms and low interest rates. But the disadvantage is that the requirements are very high and the process is relatively complicated.
2. Credit card loan
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
3. Car manufacturer finance company loans
A non-bank financial institution established with the approval of the Automobile Supervision Committee to provide financial services for automobile buyers and consumers in China. The loan from General Motors Finance Company is one of the more representative ones. The advantage is that the approval speed is faster and the loan
4. Internet financial loans
Speaking of quick approval, it must be an internet financial loan, which is a popular loan method in recent years. Although the loan is fast, the corresponding interest is also high.
5. Financing lease
Financial leasing is a modern marketing method that relies on the separation of ownership and use right in cash installment service and transfers ownership to the lessee after the lease is over. Automobile financing leasing involves many automobile manufacturers, banks, insurance companies, franchisees and customers.
Third, I want to know more about how the loan intermediary cooperates with the bank.
Loans don't need intermediaries? This misunderstanding is big.
People who have paid credit will have contact with credit intermediaries to some extent. In life, most people's first impressions of credit intermediaries are "pits", such as high handling fees, the attitude of sitting on the ground and starting from the price, unclear address, helping customers make fakes and other bad impressions?
I studied mathematics in primary school: between two points, the straight line is the shortest.
If you need a loan, you can go directly to the bank. Why is there an intermediary? Is the intermediary service recognized?
According to Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages various social service agencies and platforms to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
In Baidu Encyclopedia, there are also descriptions about intermediaries, including:
The Significance of Credit Intermediary Service
Maybe you don't think it is necessary to find an intermediary for the loan. Just go to the bank yourself. But how many banks are there? How many kinds of loan products are there? What conditions suit you? Do you know all this?
About the number of banking institutions
There are two main types of credit products in a bank, one is credit, the other is mortgage, and large banks also have online consumer financial products. The number of loan products exceeds 7000.
The central bank released the company statistics report for the first half of 20 17. According to the report, by the end of June 2007, there were 8,643 companies in China. If each small loan company has only one loan product, there are nearly 9000 kinds.
Except for online loans, P2P loans and cash loans that have been strictly regulated recently, there are nearly 20,000 kinds of various loan products. In addition, there are many lending institutions and the products are complex, and the requirements of each product are different. In the face of non-professional customers, it is not only a waste of time to go to the bank for loans, but also a random choice of a loan product that is not suitable for you, which is more likely to affect the credit information, and it will become more and more difficult to borrow in the future.
Faced with thousands of loan products, letting customers choose their own loan products is like looking for a needle in a haystack. The significance of credit intermediary service lies in that it can make financiers take fewer detours, reduce the financing cost of financiers by 40%, and solve the problems of application, approval, payment, repayment and refinancing. Save you time, effort and worry. Help you to allocate funds smoothly.
Misunderstanding of intermediary
I don't choose intermediary loans because a few intermediaries discredit the industry, so I have always had a deep-rooted misunderstanding about the intermediary service industry. But we can't deny the existence of the whole intermediary industry because of the "rat shit" in the industry. Now we have to answer the customer's misunderstanding one by one. Only by eliminating misunderstandings can we achieve the same goal.
Is it reasonable to charge agency fees?
First of all, credit intermediary is a kind of financial service, and it is legally recognized to charge intermediary service fees.
Secondly, the costs of agency fees include:
1. All operating costs of financing institutions
2. Maintenance cost of intermediary channels
3. The intermediary's own time cost is exchanged for the customer's time cost.
4. Other expenses cost
The market price of the agency fee is 3%, and you charge 8%. Why?
Everyone knows that the bank's loan interest is the lowest in the industry, but you should also know that the bank's entry threshold is the highest in the industry. People who can enjoy low interest on loans are generally people with high quality. The requirements of loan customers for loans are two points: the interest is as low as possible and the amount is as high as possible. If you want a high amount, you can't ask for interest, you can only choose between loan requirements. This means that the higher the loan amount, the higher the cost and risk of the intermediary's channel maintenance, so the corresponding expenses are of course higher.
Intermediaries charge higher fees for packing customers?
Perhaps in recent years, you have heard that intermediaries help customers forge sales contracts, fake divorces and fake credit records; Only by forging the household registration book, divorce certificate, divorce agreement or divorce judgment can we get a loan from the bank smoothly. However, these behaviors of individual black intermediaries do not represent the laws of the whole industry. These black intermediaries specialize in helping customers with poor credit information and high debts to approve funds. This kind of customers basically borrow money to run away, and the intermediary's follow-up payment is also a fish in troubled waters. But after all, this is a few extreme examples. With the increasingly strict financial supervision, there are fewer and fewer such black intermediaries and fraudulent loans.
Formal intermediaries should help customers design appropriate schemes, including: quota, efficiency, repayment method, repayment cycle, maturity scheme, and the cooperation of the mortgage center of the notary office. , to avoid all kinds of traps and shortcomings.
The loan products are as follows:
1. Housing loan 2. Policy loans 3. Down payment loan 4. Social security loan. Wage loan
6. Provident Fund. Personal tax loan. Car loan 9. Enterprise loan 10. Decoration loan