Question 2: What is the meaning of foreclosure? It refers to the whole process that the original owner wants to sell the house, but the house is still in the process of bank mortgage loan. Before the house is sold, the bank loan must be paid off, the mortgage registration cancelled and the property certificate retrieved. The guarantee company's role in the process of advance payment redemption is to help the original owner return all the money of the mortgaged property to the loan bank when the original owner can't pay off all the loans with his own funds, and the bank will cancel the mortgage registration of the new property. So that the original owner can get back the property certificate, so as to carry out the transaction and go through the transfer formalities at the property registration department. Redemption generally occurs in the process of second-hand housing transactions, and buyers and sellers of houses generally entrust intermediary companies to help them operate, and guarantee companies are generally recommended by intermediary companies. Sometimes the two companies are actually affiliated companies, but they are two different legal relationships. The parties involved in buying and selling houses don't necessarily understand this. When there is a dispute over foreclosure by guarantee, it is often difficult to distinguish the responsibilities. Therefore, in the process of handling foreclosure by guarantee, it is necessary to pay attention to the fact that not only the second-hand housing sales contract has been signed to clarify the rights and obligations of the buyers and sellers, but also the rights and obligations of the guarantee company and the client. Once there is a dispute in the process of foreclosure by guarantee, the responsibilities of the guarantee company and the client can be clearly defined. This client can be a house seller or a house buyer. Second, we should be cautious when handling the power of attorney to prevent the power of attorney from being used by others.
question 3: who is the "investor of franchise project"? Isn't the investor the owner? Franchise project management means that some * * * will entrust some planned urban infrastructure projects to professional investors for investment and construction, and after the project is completed, they will be granted franchise rights for several years, so that they can recover the project investment and income through operation, and then * * * will recover the management. Among them, the professional investor is the investor of the franchise project or the franchisee. * * * The department selects investors for franchise projects through bidding. The investors of franchise projects can be private enterprises or state-owned enterprises. The project construction funds of private enterprises are planned by themselves, some of which are self-owned and some of which are through bank loans (internationally known as BOT); State-owned enterprises' project construction funds are also planned by themselves. Some of them have their own funds, some of them are through bank loans, and some of them can also be invested by * * *, but * * * does not participate in the operation and recovery of project investment and income (internationally known as PPP).
Therefore, the investors of franchise projects are different from the general contractors. The project belongs to * * *, but he is the planner of construction funds, the investor of the project, the implementer of the project, the project manager, the interest repayment of the project, the recovery of the project income, and the transfer of the project to * * * after the franchise expires.
That is to say, investors in franchise projects can build, produce or provide projects by themselves according to law, and they can not invite public bidding; On the contrary, if the above conditions are not met, the contractor must also be selected by bidding; If the projects involved in the temporary evaluation of general contracting projects meet the bidding standards, they must be invited to bid. This is where the general contractor is different from the investor of the franchise project.
Question 4: Is the owner's financing difficulty related to safety accidents? The sources of funds for small and medium-sized enterprises are nothing more than the following: first, self-financing, second, direct financing, third, indirect financing, and fourth, * * * support funds. About self-financing It covers a wide range, mainly including the owner's own funds; Venture capital funds; Enterprise operating financing funds; Credit loans between enterprises; Loans from mutual aid institutions among small and medium-sized enterprises; And some social fund loans and so on. About direct financing. It refers to the channels for raising funds from the public in the form of bonds and stocks. About indirect financing. It mainly includes various short-term and medium-and long-term loans. Loans mainly include mortgage loans, secured loans and credit loans. Different types of small and medium-sized enterprises have different financing characteristics, and of course they have different requirements for financing channels and conditions. From the perspective of financing, small and medium-sized enterprises can be divided into manufacturing, service, high-tech and community types. The financing characteristics and requirements of various types of SMEs are different. Comparison of financing policies for small and medium-sized enterprises * * * Financial support is an important part of the source of funds for small and medium-sized enterprises. According to the situation of various countries, the financial support of * * * can generally account for about 1% of the external funds of small and medium-sized enterprises, and the specific amount depends on the relative importance attached by various countries to small and medium-sized enterprises and the corporate culture traditions of various countries. The ways of financial assistance to small and medium-sized enterprises in various countries mainly include: 1. Tax incentives. Corporate tax in developed countries generally accounts for 4-5% of the added value of enterprises. In the case of implementing a progressive tax system, the tax burden of small and medium-sized enterprises is relatively light, but it also accounts for about 3% of the added value, and the burden is still heavy. In order to further reduce the tax burden, countries have taken a series of measures. 2. Financial subsidies. The application of financial subsidies is to encourage small and medium-sized enterprises to absorb employment, promote scientific and technological progress of small and medium-sized enterprises and encourage them to export. 3. Loan assistance. * * * The main ways to help small and medium-sized enterprises obtain loans are: loan guarantee, loan discount, and direct preferential loans. 4. Venture capital. Countries such as Europe and America are mostly founded by the people, while countries such as Japan are mainly established for * * *. 5. Encourage small and medium-sized enterprises to directly finance in the capital market. In order to solve the problem of direct financing of small and medium-sized enterprises, some countries explore opening up a "second sector" to provide direct financing channels for small and medium-sized enterprises, especially scientific and technological small and medium-sized enterprises. The enlightenment of foreign experience to China is to establish a normal financing system and channels for small and medium-sized enterprises with China characteristics, to improve China's financial support policy system, and to draw lessons from foreign advanced experience, and to put forward the following suggestions: 1. To further accelerate the construction of modern and standardized enterprise system, and to restore the natural direct financing right of small and medium-sized enterprises with company system in line with the requirements of market economy operation mechanism. 2. Establish specialized financial institutions for small and medium-sized enterprises, and encourage the establishment of mutual financial organizations among small and medium-sized enterprises. 3. Establish a "second market" in line with China's national conditions. 4. Encourage entrepreneurs of small and medium-sized enterprises to borrow money from relatives and friends. 5. We should establish and improve the financial support policy system for small and medium-sized enterprises in China from the aspects of taxation, financial expenditure, loan assistance and direct financing. 6, according to the national conditions to choose the focus of support for small and medium-sized enterprises. 7. Establish a appeasement policy for the smooth "exit" of small and medium-sized enterprises
Question 5: Why should photovoltaic power plants have 2% of their own funds? It is necessary to have their own funds in legal and regulatory projects because they need to control risks by market-oriented means. Capital pursues a higher rate of return than debt capital, but it has a higher risk than debt capital. Self-owned capital is the first line of defense to absorb risks. If there is no provision for capital, it will lead to moral hazard for project owners and pursue high-risk projects without the risk of project failure. Therefore, the proportion of self-owned capital is also an important basis for the market to evaluate the project. Under the special conditions of China, the influence of state control should be taken into account in the factors such as investment subject and nature.
the capital ratio refers to the proportion of the shareholders' investment in their own assets to the total investment. Capital of investment projects refers to the amount of capital subscribed by investors in the total investment of investment projects, which is non-debt funds for investment projects, and the project legal person does not bear any interest and debt on this part of funds; Investors can enjoy the owner's rights and interests according to the proportion of their capital contributions, and can also transfer their capital contributions, but they may not withdraw them in any way. As the capital base, the total investment refers to the sum of the fixed assets investment and the underlying liquidity of the investment project, and the specific approval is based on the approved dynamic budget estimate.
according to the national regulations, investment projects can only be built after capital has been secured. This index is determined according to the economic benefits of different industries and projects.
question 6: what does foreclosure mean? The guarantee company's foreclosure refers to the whole process that the original owner wants to sell the house, but the house is still in the bank mortgage loan. Before the house is sold, the bank loan must be paid off, the mortgage registration is cancelled, and the property certificate is retrieved. The guarantee company's role in the process of advance payment redemption is to help the original owner return all the money of the mortgaged property to the loan bank when the original owner can't pay off all the loans with his own funds, and the bank will cancel the mortgage registration of the new property. So that the original owner can get back the property certificate, so as to carry out the transaction and go through the transfer formalities at the property registration department. Redemption generally occurs in the process of second-hand housing transactions, and buyers and sellers of houses generally entrust intermediary companies to help them operate, and guarantee companies are generally recommended by intermediary companies. Sometimes the two companies are actually affiliated companies, but they are two different legal relationships. The parties involved in buying and selling houses don't necessarily understand this. When there is a dispute over foreclosure by guarantee, it is often difficult to distinguish the responsibilities. Therefore, in the process of handling foreclosure by guarantee, it is necessary to pay attention to the fact that not only the second-hand housing sales contract has been signed to clarify the rights and obligations of the buyers and sellers, but also the rights and obligations of the guarantee company and the client. Once there is a dispute in the process of foreclosure by guarantee, the responsibilities of the guarantee company and the client can be clearly defined. This client can be a house seller or a house buyer. Second, we should be cautious when handling the power of attorney to prevent the power of attorney from being used by others.
question 7: what is room-free payment? Hello,
1. What are the possible risks for buyers and sellers if you don't choose fund supervision?
if both parties to the transaction give up the supervision of funds and insist on paying the house price by themselves, the risks they may face include but are not limited to: the house seller can't get all the house price, the house buyer can't get the ownership of the house, and can't recover the paid house price.
2. When the buyer purchases the house in full, and requires the transfer in advance and the final payment is delayed, there are risks:
If the seller transfers the house without taking the full amount or controlling the source of the full amount, the seller will have extremely high risks.
seller's risk: if the buyer has very little self-owned funds and wants to obtain funds through the purchased mortgage loan, it will easily lead to the break of the capital chain, which will lead to the seller's failure to recover the final payment, and at the same time, he will lose control of the house because the house has been transferred.
3. The house is mortgaged, and the seller wants to use the buyer's down payment to release the mortgage. There are risks:
Buyer's risks: First, the homeowner may use the money used by the buyer to release the mortgage for other purposes, resulting in the house being unable to decompress; Second, there may be multiple arrears in the house, and the money paid by the buyer can only decompress one of them, and there are others to cancel one, which may delay the transaction or make the house empty.
4. If the buyer intends to purchase houses in other people's names in a short time, there are risks:
This will not guarantee whether the buyer can pay the final payment as scheduled according to the contract, and it may not get the final payment to the seller, and it may delay the time.
so how to prevent the above risks?
the answer is the supervision of housing funds. Choosing fund supervision can not only ensure the safety of the buyer's funds, but also ensure that the house payment will be made after the house is transferred. Even if the house cannot be transferred, its own funds will not have an impact; And the guarantee for the owner is that after the house is over, you can receive all the house payment on time at the agreed time.
Hope to adopt
Question 8: How to find the annual average rate of return of self-owned funds is a reflection of the profitability of enterprise owners' equity capital, which is assessed from the perspective of owners. Self-owned capital is the total amount of paid-in capital or equity, capital reserve, surplus reserve and undistributed profit on the balance sheet. Similarly, it is appropriate to use the beginning of the period as the balance of self-owned capital in principle. If the capital reserve of an enterprise is large and accounts for a large proportion, the return on its own capital is more accurate than the return on paid-in capital from the perspective of owners' equity. Because enterprise income is not only generated by operating paid-in capital, but also includes the use of other self-owned capital such as capital reserve fund and retained income.
question 9: which project can be approved without bidding? Guangdong province to implement the "Chinese people * * * Measures of the Law of the People's Republic of China on Tendering and Bidding (promulgated at the second meeting of the Standing Committee of the Tenth People's Congress of Guangdong Province on April 2, 23 and implemented on June 1, 23)
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article 2 these measures are applicable to the bidding activities within the administrative area of this province.
article 3 tendering and bidding activities shall follow the principles of openness, fairness, impartiality, honesty and credibility.
article 4 the bidding activities of a project that must be subject to bidding according to law are not restricted by regions or departments. No unit or individual may illegally interfere in bidding activities in any way.
article 5 the people's administrative supervision departments at or above the county level shall supervise the bidding activities according to law, and investigate and deal with illegal acts in bidding activities according to law.
the people's * * * development planning department at or above the county level is responsible for the guidance and coordination of bidding activities within its administrative area, and bidding for major construction projects.