Main types of financing methods The main types of financing methods are: (1) equity financing such as private placement and stock issuance; (2) Issuing corporate bonds by relying on corporate credit. (3) Commercial loans from domestic commercial banks; (4) Project financing, including BOT, BOOT, BOO, PPP, PPT, etc. (5) Internal financing, such as retained earnings (profits).
The main type of financing is IMF, and the means are fake stocks and secret loans. As the name implies, the so-called fake stock secret loan means that investors invest in projects in the form of shares, but actually do not participate in project management. Withdraw from the project at a certain time. This method is mostly adopted by foreign funds. The disadvantage is that the operation cycle is long, and it is necessary to change the shareholder structure and even the nature of the company. There are many foreign funds, so if you invest in this way, the nature of domestic companies will be changed to Sino-foreign joint ventures.
The second financing method is bank acceptance bill. The investor will transfer a certain amount, such as 1 billion yuan, to the company account of the project party, and then immediately ask the bank to open a bank acceptance bill of 1 billion yuan. Investors take away bank acceptance bills. This financing method is of great benefit to investors, because it actually turns 1 100 million yuan into several uses. He can take this 100 million yuan bank acceptance bill to other banks and post another 100 million yuan. At least 20% off. But the question is, can the bank draw an acceptance bill of 1 100 million yuan with the 1 100 million yuan in the company account? Probably only 80% to 90% banks will accept it. Even if 100% is accepted by the bank, it is still a question how much money the bank allows you to use in the company account. It depends on the level of the company and its relationship with the bank. In addition, the biggest drawback of acceptance is that according to national regulations, bank acceptance can only be opened for 12 months at most. Now most places can only be opened for half a year. That is, the fee must be renewed every 6 months or 1 year. It's troublesome to use money for a long time.
The third financing method is direct deposit. This is the most difficult financing method. Because direct deposit is against bank regulations, the relationship between enterprises and banks must be particularly good. The investor shall open an account in the bank designated by the project party and deposit the specified amount into his own account. Then sign an agreement with the bank. Promise not to misappropriate the money within the specified time. According to this amount, the bank gives the project party a loan less than or equal to the same amount. Note: We promise not to pledge the bank here. I don't agree to mortgage the money. It is another financing method called large pledged deposit that agrees to pledge. Of course, that kind of financing also has its own violations of bank regulations. That is, the bank needs to sign a letter of commitment to ensure that the payment is completed 30 days before the maturity. In fact, after he gets this thing, he can take it to other banks for refinancing.
The fourth way of financing (the fourth way is a large amount of pledged deposits) is a bank letter of credit. The state has a policy that a bank letter of credit issued by a global commercial bank (such as Citigroup) that agrees to finance an enterprise is regarded as having the same amount of deposit in the enterprise account. In the past, many enterprises used this kind of bank letter of credit to circle money. So now that the national policy has changed slightly, it is difficult for domestic enterprises to raise funds in this way. Only wholly foreign-owned enterprises and Sino-foreign joint ventures are allowed. Therefore, if domestic enterprises want to raise funds in this way, they must first change the nature of the enterprise.
The fifth financing method is entrusted loan. The so-called entrusted loan means that the investor sets up a special fund account for the project party in the bank, then transfers the money into the special fund account and entrusts the bank to lend money to the project party. This is a relatively easy way of financing. Usually, the audit of the project is not very strict, and the bank is required to make a commitment to collect interest and repay the principal from the project party every year. Of course, those who don't repay the principal only need to promise to collect interest every year.
The sixth financing method is direct payment. Direct payment means direct investment. Such strictly examined projects often require fixed assets mortgage or bank guarantee. Interest is also relatively high. Mostly short-term. The minimum personal contact is 18 annual interest. Generally above 20.
The seventh financing method is hedge fund. At present, there is a kind of entrusted loan in the market that does not repay the principal and interest, and it is a typical hedge fund.
The eighth financing method is loan guarantee. At present, more investment guarantee companies in the market can obtain much-needed funds by paying higher interest than banks.
The main financing methods are 1, and banks.
When you need financing, you should first think of the bank. Bank loans are called risk financing? Reservoir? Because banks have strong financial resources and most of them have government background, they are very rich. Mass base? .
2. Credit card
With the innovation of commercial banking, the settlement method of credit card is becoming increasingly electronic. Credit cards are not only fashionable, but also feasible for people engaged in business to obtain certain funds through credit cards when they are in urgent need of turnover.
3. Policy Commitment
Policy pledge insurance company? A loan? Give money to the insurance company? Many people may be surprised, but this kind of business does appear. If the applicant is in financial difficulties or in urgent need of capital turnover, he can pledge his policy to the insurance company and obtain loans from the insurance company in accordance with relevant regulations and proportions.
4. Pawnshop
Pawning may be the most vital industry since ancient times. Now the funds obtained through pawn shops are gradually becoming familiar to the people. Gold, jewelry, home appliances, real estate, motor vehicles, etc. Can be pawned, securities can be pledged.
5. Entrusted loan
Entrusted loans are also a way to solve personal capital needs. To put it simply, the fund provider lends money to the demander through a commercial bank, and the borrower returns the principal and interest to the account opened by the other party in the bank on time, and the interest rate rises by 30% on the basis of the loan interest rate of the People's Bank of China for the same period, which is determined by both parties through consultation.