1. Mortgage means that the mortgagor and the creditor reach an agreement in writing not to transfer the possession of the mortgaged property and take the property as the guarantee of the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the property or give priority to compensation with the price of auction or sale of the property according to law.

2, financing, English is financing, in a narrow sense, is the behavior and process of raising funds for an enterprise. [1] In a broad sense, financing is also called finance, that is, the financing of monetary funds, and the behavior of the parties to raise or lend funds in the financial market through various means. The New palgrave Dictionary of Economics explains financing as follows: financing refers to the monetary transaction means to pay for purchases exceeding cash, or the monetary means to raise funds for acquiring assets.

financing methods:

1. Bank loans

Banks are the most important financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills.

2. Stock financing

Stocks are permanent, have no maturity date, do not need to be returned, and have no pressure to repay the principal and interest, so the risk of financing is small. The stock market can promote enterprises to change their management mechanism and truly become a legal entity and market competition subject with independent operation, self-financing, self-development and self-restraint. At the same time, the stock market provides a broad stage for asset reorganization, optimizes the organizational structure of enterprises and improves the integration ability of enterprises.

3. Bond financing

Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors. Bondholders 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 bankruptcy liquidation of an enterprise, creditors have priority over shareholders to claim the remaining property of the enterprise. Corporate bonds, like stocks, belong to securities and can be freely transferred.

4. financial leasing

financial leasing refers to the financing method in which the lessor purchases the leased property from the supplier according to the lessee's choice of the supplier and the leased property, and provides it to the lessee for use, and the lessee pays the rent in installments within the contract or the time limit stipulated in the contract.