The method is as follows:

1. Chicken egg financing

2. Inventory financing

3. Raw material financing

4. Equipment financing

5. Accounts receivable financing

6. Accounts payable financing

7. Prepaid account financing

8. Prepaid account financing

9. Employee fund-raising

10. Employee equity incentive

1 1. Family and friends financing

12. Customer resource financing

13. Private financing registered company financing

14. Financing by private capital management companies

15. Crowdfunding

16. Internet financing

17. Credit financing of professional cooperatives

18. Acquisition financing

19. Financing of advantageous enterprises

20. Advantage process financing

2 1. Bank entrusted loan

22. "Private debt"

23. "Targeted financing plan"

24. "Targeted financing instruments"

25. "Direct financing plan/product"

26. Domestic bank loans

27. Loans from foreign banks

28. Credit guarantee financing

29. Financing lease financing

30. Equity transfer financing

3 1. Capital increase and share expansion financing

32. Property right transaction financing

33. Introduce venture capital

34. Domestic listing financing

35. Overseas listing financing

36. Asset management financing

37. Bill discount financing

39. Commercial credit financing

40. International trade financing

4 1. Compensation trade financing

42. High-tech financing

43. Special fund financing

44. Industrial policy investment

These methods can be used, the key is whether you can operate them, but the fundamental reason why many enterprises can't do it is that they can't package and operate the details.

Financing methods must be combined with financing packaging to achieve better results. It's like practicing martial arts. Only by learning routines and connecting with internal skills can it be more effective. A routine without internal strength is a showy one. Without internal strength, it is impossible to make it strong. The same is true for financing, but the packaging method will be more effective.

Analysis: What are the main risks of entrusted loans?

As a financial institution, banks have been constantly introducing various loan products to meet the needs of various customers, among which entrusted loans are a common way of corporate financing. What exactly does entrusted loan mean? What are the main risks of entrusted loans? Many users don't understand, let's learn more!

What are the main risks of entrusted loans?

1, policy risk

When handling entrusted loans, enterprises should pay attention to the fact that social security funds, insurance company premiums, listed formulas and other related enterprises cannot issue entrusted loans. Commercial banks also need to pay attention to whether the use of entrusted loans is in compliance, and whether interest rates and other related contents are in compliance with policies and regulations.

2. Pay attention to customers

According to the regulations, commercial banks cannot accept applications for entrusted loan business from financial asset management companies and loan business institutions; Shall not accept the entrusted loan of other people's funds entrusted by the client; It is not allowed to accept credit funds from customer banks, various special funds with specific purposes, other debt funds, and funds that cannot prove the source to issue entrusted loans.

3. Operational risks

When handling entrusted loans, many commercial banks will accidentally carry out some illegal operations, such as: incomplete loan issuance procedures, failure to sign contracts with borrowers designated by the entrusting party, failure to issue loans to borrowers designated by the entrusting party, unauthorized change of loan objects, etc. The recovered loan principal and interest were not transferred to the customer's account in time, resulting in misappropriation of funds.

What exactly does entrusted loan mean?

Entrusted loan refers to the loan issued by a trust institution according to the requirements specified by the client. The source of funds is special trust deposit, and the object, quantity and purpose of the loan shall be determined by the client. The lender (trustee) only charges the handling fee and does not bear the loan risk.

The above is the sharing of "main risks of entrusted loans", and I hope it will help everyone!

How can I get a loan without the insured?

If the insured is not around and wants to borrow money, you can ask the insured to entrust you with the loan, copy his valid certificate and sign it, and then you can entrust the loan. You can contact the relevant staff for details.

Moreover, the policy insured can borrow money, because there is a requirement in the policy loan that the applicant must be the insured or the insured, and no one else can handle it on his behalf. Policy loans also need to meet the following conditions:

1. Only policies that have been insured for more than two years and have cash value can apply for loans;

2. Only policies with savings nature such as life insurance, dividend insurance, endowment insurance and annuity insurance can apply for loans;

3. The applicant must have a stable job and income and have the ability to repay;

4. Personal credit information is good and there is no bad credit behavior.

Policy loan refers to taking the policy as collateral, applying for a loan from the insurance company according to a certain proportion of the cash value of the policy, and returning the principal and interest at maturity. In the process of policy loan, as long as your policy has been valid, then insurance protection will not be affected.

Nowadays, pension insurance, investment dividend insurance and annuity insurance with savings function are increasingly appearing in the public eye. This kind of insurance has a certain cash value as long as the insured pays for more than two years. Value becomes an asset, and with assets, you can borrow money, so the policy becomes a certificate that can be used for mortgage loans.

Policy loans are suitable for short-term and not for high-risk investments. Moreover, the mortgage time of insurance company policies is generally within 6 months. Once the borrower fails to repay the loan within the time limit, the insurance company has the right to terminate the insurance contract when the loan principal and interest accumulate to the cash value of surrender.

At the same time, during the loan period, if the policy has various refunds, such as surrender, survival money, claims, etc. The refund amount needs to be paid before the balance can be paid.

Premium exemption means that when the insured loses the ability to renew insurance due to the insurance accident agreed in the contract, he can not continue to pay the premium after being approved by the insurance company, but the insurance contract is still valid and continues to enjoy the protection. This move, like a golden bell, firmly covers the protection brought by the policy. Even if the insured loses the ability to work due to an accident and cannot continue to pay the premium, the protection in the golden bell cover will not be damaged at all, and the insured can enjoy the stable protection without bearing economic pressure.

The insurance company lends money to its subsidiaries.

The subsidiary lends the loan obtained from the bank to the parent company for use, and the parent company pays the interest to the subsidiary according to the interest rate stipulated in the bank interest note, and the subsidiary returns the interest and loan principal to the bank in a unified way. How to deal with the accounts of this business? Which company is the original voucher of the bank interest note?

Answer: When a subsidiary has bank interest payable, it debits "financial expenses" and credits "other payables" with the bank interest slip as the original voucher; When paying, debit "other payables" and credit "bank deposits" and other subjects. When interest income receivable from the parent company occurs, debit "other receivables" and credit "other business income"; If business tax should be paid according to regulations, debit "business tax and surcharges" and credit "tax payable-business tax payable"; When receiving the payment, debit "bank deposit" and credit "other receivables".

The interest payable by the parent company to its subsidiaries shall be debited to "financial expenses" and credited to "other payables"; When paying, debit "other payables" and credit "bank deposits" and other subjects.

The parent company borrows money from the bank on its behalf and then gives it to the subsidiary for use.

The Notice of the Ministry of Finance of People's Republic of China (PRC), State Taxation Administration of The People's Republic of China, on the Issue of Levying Business Tax on the Unified Lending and Repayment Business of Non-financial Institutions (Caishuizi [2000] No.7) has made special provisions on this. According to its regulations, the competent department of an enterprise or the core enterprise in an enterprise group (hereinafter referred to as unified borrowing and unified repayment) will allocate the borrowed funds to subordinate units (including independent accounting units and non-independent accounting units) after borrowing from financial institutions, and collect interest from subordinate units according to the loan interest rate paid to financial institutions for returning financial institutions. No business tax is levied. However, it should be emphasized that the unified borrower shall not charge interest to the subordinate units at a level higher than the loan interest rate paid to financial institutions. Otherwise, it is regarded as a loan business, and the business tax is levied in full on the interest charged to the subordinate units.

There are three conditions for the unified borrowing and unified repayment business not to pay business tax: first, the funds come from financial institutions such as banks; Second, on the basis of the actual implementation of interest rates by banks and other financial institutions, there is no problem of raising interest rates; Third, it is only applicable to enterprises with special relationships such as enterprise groups. These three conditions must be met at the same time, and none of them can be ignored.

On February 10, 2002, State Taxation Administration of The People's Republic of China issued the Notice on Levying Business Tax on Loan Business (Guo Shui Fa [2002] 13), which supplemented the business tax on unified borrowing and unified repayment business. According to the supplement, the enterprise group or the core enterprises in the group (hereinafter referred to as the enterprise group) entrust the financial company affiliated to the enterprise group to borrow and repay the loan on a unified basis, and the interest obtained from the financial company for repaying the financial institution is not subject to business tax; Finance companies undertake the entrusted loan business of unified borrowing and unified repayment, charge loan interest to loan enterprises, and do not withhold and remit business tax. Among them, the enterprise group entrusts the financial company affiliated to the enterprise group to act as the agent for unified borrowing and unified repayment, which means that after the enterprise group obtains the unified borrowing and unified repayment loan from the financial institution, the financial company affiliated to the group signs a unified borrowing and unified repayment loan contract with the enterprise group or its subordinate enterprises and allocates the loan, and collects the interest for repaying the loan from the enterprise group or its subordinate enterprises according to the loan interest rate paid to the financial institution, and then transfers it to the enterprise group, and the enterprise group uniformly repays the loan to the financial institution.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

This is the introduction of entrusted loans by insurance companies and the end of entrusted loans agreements by insurance companies. I wonder if you have found the information you need?