1. The differences between financing methods and channels are as follows:

(1) Financing channels include state financial funds, banks, non-bank financial institutions, non-financial enterprises, individual residents and internal accumulation of enterprises;

(2) financing methods include absorbing direct investment, issuing stocks, bank loans, commercial credit, issuing bonds and financing leasing.

2. Legal basis: Article 3 of the General Principles of Loans

The issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and shall follow the principles of efficiency, safety and liquidity.

second, what are the ways of financing

There are mainly the following ways of financing:

1. Bank loans. Banks are the main 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;

2. Stock financing. The stock has the characteristics of permanence, no maturity date, no need to return, no pressure to repay the principal and interest, etc.

3. Bond financing. 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;

4. financial leasing. Financial leasing is a combination of financing and finance, which has dual functions of finance and trade, and plays a very obvious role in improving the financing efficiency of enterprises and promoting their technological progress. Financial leasing includes direct purchase leasing, leaseback after sale and leveraged leasing;

5. Overseas financing. The overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions and bond and stock financing business of enterprises in major overseas capital markets.