Principal = 30000/(1+8%) 3 = 23814.97.

Extended content:

Bank loan type

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Entrusted loan Entrusted loan refers to a loan provided by a principal such as a government department, enterprise, institution or individual, which is issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk. The basic procedures for handling personal entrusted loans are: first, the client applies for a loan from the bank. Second, banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively. Third, the client meets the borrower directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term and repayment method. Fourth, after the lenders and borrowers negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively. Fifth, the bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower signs a loan contract with the borrower, which is issued after the bank approves it.

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Credit loan A credit loan refers to a loan issued on the basis of the borrower's credit. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. From a practical point of view, the basic conditions for banks to issue credit loans are: first, if the credit rating of corporate customers is above AA- (inclusive), they can issue credit loans after approval by provincial branches of state-owned commercial banks; Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable; Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees; Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.

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Secured loan Secured loan refers to secured loan, mortgage loan and pledge loan. Pledge of rights refers to bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading; Shares and stocks that can be transferred according to law; Property rights in trademark exclusive rights, patent rights and copyrights that can be transferred according to law; Other rights that can be pledged according to law. Compared with mortgage, the biggest feature of pledge is that the pledge must be handed over to the bank for possession.

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Bill discount means that the borrower transfers the unexpired commercial bill (bank acceptance bill or commercial acceptance bill) to the bank to obtain the funds after deducting the discount interest. As the saying goes, some people do business with broken ends, but no one does business with losses. Of course, discounted bills should be profitable. When banks accept bills from enterprises, they make a discount on the basis of the original price, which is called discount.

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Comprehensive credit refers to a certain amount of credit granted by banks to some enterprises with good operating conditions and reliable credit, which can be recycled by enterprises within the validity period and credit limit. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

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Credit guarantee loans have been established in more than 3 1 00 cities in 3 provinces and cities nationwide. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution.

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Buyer's Loan If an enterprise has a reliable market for its products, but its own capital is insufficient and its financial management foundation is poor, and it is difficult to provide collateral or seek third-party guarantee, the bank may provide loan support to the buyer of its products according to the sales contract. The seller can collect a certain proportion of advance payment from the buyer to solve the financial difficulties in the production process. Or the buyer issues a bank acceptance bill, and the seller takes the bill to the bank for discount.

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Some small and medium-sized enterprises sell a wide range of products, or provide supporting parts for some large enterprises, or are loose subsidiaries of enterprise groups. In the process of producing cooperative products, it is necessary to supplement production funds. You can find a lead bank to provide loans to the group company in a unified way, and then the group company will provide the necessary funds to the cooperative enterprise, and the local bank will cooperate with the contract supervision. It can also be jointly provided by the lead bank and the cooperative enterprise's banks in different places to provide loans respectively.