1 financing: in a narrow sense, it is the act and process of raising funds for enterprises. Broadly speaking, 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 in various ways.
2. Financing methods: bank loans, stock financing, bond financing, financial leasing, overseas financing, pawn financing, P2C financing, international monetary fund, bank acceptance bills, entrusted loans, etc.
3. Financing channels: Banks and bank loans are called "reservoirs" of risk financing; Financing platform, third-party financing platform is a good choice for financiers, such as the largest third-party financing platform in China, investment and financing community, which provides more professional investment and financing information services; Credit card, convenient and fast, policy pledge; Pawnshop; entrusted loan
4. Financing can be divided into direct financing and indirect financing
For example: Xiao Ming has developed an app and is ready to start a business. His uncle is very optimistic, investing 6.5438+0 million, called angel investment; Two years later, Xiaoming's users grew rapidly, but the profit was still unstable. So-and-so capital is very optimistic, and invested 1 billion, which is called venture capital. After another five years, Xiaoming's profits grew steadily and successfully achieved IPO listing. The whole process, whether angel investment, venture capital or IPO, belongs to direct financing for Xiaoming Company.
Black's factory business is booming, and he is going to invest another 20 million yuan to expand a production line. So he took the machinery of the factory as collateral and borrowed 20 million from the bank. Borrowing money from banks is indirect financing.
What is the difference between direct financing and indirect financing?
As the name implies, indirect financing lies in the existence of intermediaries such as banks. When the bank remits money from thousands of depositors in Qian Qian, it lends money to people who need it, like thousands of black people in Qian Qian. These two people will not be in direct contact, but have loan relationships with banks respectively.
If we regard money as a special commodity, then direct financing and indirect financing are two business models of money business. The business model of bank indirect financing is deposit-loan spread. Although the price difference is not big, but rest assured. The business model of direct financing is very different, such as venture capital, which is a widely spread model. The invested enterprises are generally small and innovative.
Finally, to sum up, financing and investment are two ends of finance. Financing is divided into direct financing and indirect financing, which are two business models of money. One is the bank's spread model, which emphasizes that the money lent should be recovered as much as possible, with small profits but quick turnover, which is suitable for large enterprises; One is venture capital, which casts a wide net. The key is to bet on Bao Zhong, which is suitable for small enterprises. You got it?