1. What's the difference between financing and loans? Lending institutions generally refer to institutions with large scale and great market influence, such as banks, insurance and other financial industries, which lend funds to lenders at established interest rates in the form of loans, requiring them to repay the principal and pay corresponding interest within a certain period of time. This form and scale are called loans. In essence, loans include not only borrowing money, but also some economic behaviors such as discounting in finance. Therefore, loan is a general term for all kinds of capital transfer methods. The existence of loans not only allows funds to realize their use value to a greater extent, but also allows banks and other financial institutions to obtain interest and other benefits in this way. As far as financing loan itself is concerned, it has certain characteristics, because loan itself is one of them, which refers to loans in a narrow sense. In order to achieve the purpose of financing, enterprises can also obtain funds through project financing and other means. In addition, generally speaking, for loans, large enterprises will call it financing, but generally small and medium-sized enterprises will call it corporate loans, and different enterprises will have different names. In the process of market development, corporate financing and corporate loans represent certain economic behaviors. Moreover, this kind of financial behavior, which is conducive to promoting enterprise progress and social development, will continuously bring greater resource utilization to society and enterprises, and make society and enterprises develop more rapidly. Second, what are the characteristics of financing? (1) Raise funds as much as possible; (2) Remember that angels, VC and PE all like to invest in "dreams". This beautiful promise will either solve the existing problems or create a better future; (3) Show potential evidence of the company's success to potential investors, such as the company's products, organizational leadership and return on investment; (4) Try to raise funds through multiple channels, establish good relations with partners, and adjust plans at any time; (5) Remember, you are not only raising funds, but also looking for "partners". Therefore, before signing the agreement, it is best to outline the cooperation prospect with the new partner and consider whether it can maximize your personal and company interests. To sum up, in fact, the loan itself is a kind of financing, and enterprises of different sizes just have different names of financing. Small and medium-sized enterprises are generally called loans and large enterprises are called financing. At the same time, it also brings the characteristics of financing, hoping to help you further understand the relevant legal knowledge.