Legal subjectivity:

1. Bank loan. Banks are the main financing channel 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 specific purposes, and their loan interest rates are generally more favorable. The loans are divided into credit loans, guaranteed loans and bill discounts. Bank loans are one of the most common financing channels. However, due to their high requirements for enterprise qualifications and relatively cumbersome procedures, it is often difficult to quench the thirst for small and medium-sized enterprises in urgent need of funds. 2. Stock financing. Stocks are permanent, have no expiration date, do not need to be returned, and have no pressure to repay principal and interest, so financing risks are relatively small. The stock 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, self-development, and self-restraint. At the same time, the stock market provides a broad stage for asset restructuring, optimizing corporate organizational structures, and improving corporate integration capabilities. 3. Bond financing. Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agree to repay principal and interest within a certain period of time. They represent a "creditor-debt relationship" between the bond-issuing enterprise and investors. Bond holders 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 event of corporate bankruptcy and liquidation, creditors have priority over shareholders in claiming the remaining property of the company. Corporate bonds, like stocks, are securities and can be freely transferred. 4. Financial leasing. Financial leasing, through the combination of financing and property financing, has the dual functions of finance and trade. It plays a very obvious role in improving the financing efficiency of enterprises and promoting and promoting the technological progress of enterprises. Financial leases include direct purchase leases, sale-leasebacks and leveraged leases. In addition, there are various leasing forms such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting. The financial leasing business has opened up a new financing channel for the technological transformation of enterprises. It adopts a new form of combining financing and property, which speeds up the introduction of production equipment and technology. It can also save the use of funds and improve the utilization rate of funds. In the process of development of small and medium-sized enterprises, related enterprises are in order to expand development and better operate their own enterprises. Corresponding financing can be carried out for better operations. Relevant financing requires corresponding financing interest rates to pay for the legitimate interests of such financing parties, which is in line with my country's economic development and economic laws. Legal objectivity:

"Interpretation of the Supreme People's Court on Several Issues Concerning the Specific Application of Law in the Trial of Criminal Cases of Illegal Fund-raising"

Article 1

Violation of national financial management laws It stipulates that if the act of absorbing funds from the public (including units and individuals) meets the following four conditions at the same time, unless otherwise provided by the criminal law, it shall be deemed as "illegal absorption of public deposits" as stipulated in Article 176 of the Criminal Law. Or absorb public deposits in disguised form":

(1) Absorbing funds without the approval of relevant departments in accordance with the law or in the form of legitimate operations;

(2) Through the media, promotion meetings, leaflets, Publicly publicize to the public through mobile phone text messages and other channels;

(3) Commitment to repay principal and interest or pay returns within a certain period of time in the form of currency, physical objects, equity, etc.;

(4) Absorb funds from the public, that is, unspecified objects in society.

Absorbing funds from relatives, friends or within the unit for specific targets without publicity to the public does not constitute illegal absorption or disguised absorption of public deposits.