Twelve kinds of financing used (loan) mode

Twelve kinds of financing used (loan) mode

As the central bank deposit reserve rate of increase, increase the enterprise capital demand, the accumulation of private capital, financing (loan) difficult plagued the development of enterprises, in order to solve this problem, through collecting and summing up, the enterprise financing (loan) twelve kinds of financing used (loan) mode, a reference to the U.S., I hope you can help!

1 comprehensive credit

The bank for some operating conditions, good credit and reliable enterprise, to a certain period of time within a certain amount of credit lines, enterprises can be recycled in the scope of validity and the amount. Comprehensive credit lines by the one-time report the relevant materials, the bank one-time approval. Enterprises can according to operating condition their staging with, with, corporate borrowing is very convenient, but also saves the cost of financing. Banks provide loans by this way, the general is the industrial and commercial registration, annual inspection qualified, well managed, reliable reputation, and banks have more long-term partnership enterprises.

2 credit guarantee loan [Guarantee corporation loan guarantees (borrow) paragraph]

As the private accumulation of capital and bank loans more difficult, through the Guarantee Corporation secured loans is the entrepreneur and the main way of financing of small and medium-sized enterprises, currently in the country, every city has established many credit guarantee institutions. Sources of these institutions are the guarantee fund, is normally provided by the local government financial allocation, social (civilian) to raise funds, commercial banks and other parts. Enterprises to banks or private borrowing, can be secured by the institution to guarantee. When companies do not provide a bank acceptable to the security measures, such as mortgage, pledge or third party credit guarantee, Guarantee corporation can solve these problems. Because, compared with the banks, Guarantee Corporation collateral requirements more flexible, and the efficiency is high (the short 3 days to paragraph), more suitable for solving the enterprise urgent need money problems. The scope of business segments: mortgage loans, mortgage of land use rights, property purchase loans, in the construction mortgage loans, credit loan, mortgage loan, equipment enterprise inventory pledge loan, vehicle arrival (quality) and loans, valuable documents pledge loans, equity pledge loans, loan guarantee business, as well as a variety of short loan business (such as bank loans, funds, inverted image margin, and card acceptance accompanying gold in urgent need of funds) the loan guarantee business. Of course, the Guarantee Corporation in order to protect their own interests, often require the enterprise to provide counter guarantee measures, sometimes Guarantee Corporation will be sent to the enterprise monitor capital flows. Loan guarantees general solution is the urgent need of enterprise funds, general loan period within 6 months, although the financing cost compared with the banks is slightly higher, but flexible mode of operation, a great effect on the development of construction of small and medium-sized enterprises, is the most ideal financing bank.

3 the buyer loans

If the market for enterprise products are reliable, but for their lack of capital, weak foundation, financial management can be collateral or seek third party guarantee difficult, banks can provide loans in accordance with the contract of sale, to buy the product. The advance payment to the buyer the seller can charge a certain percentage, to solve the financial difficulties in the production process. Or by the buyer's issuing bank acceptance, the seller holds the bill to a bank for discount.

4 different joint cooperative loan

Products sold some small and medium enterprises is very wide, or provide parts for some large enterprises, or enterprise group company Matsu Ko. In the production of collaborative product process, need to supplement funds, can seek a sponsor bank led, lending to the reunification of the group, then the group of cooperative enterprises to provide the necessary funds, local banks with contract supervision. Also can be combined by the lead bank and collaborative enterprise bank, providing loans separately.

The 5 project development loans

Some high-tech small and medium enterprises if has significant value to the scientific and technological achievements into the project, the initial investment amount is relatively large, private capital to bear, can apply for project development loans to banks. The small and medium-sized enterprise commercial banks to have a mature technology and good market prospects of high-tech products or patent projects and the use of high-tech achievements to carry out technical transformation of small and medium enterprises, will support a positive credit, to promote the enterprises to speed up the transformation of scientific and technological achievements speed. To establish a stable relationship with scientific research project development of institutions of higher learning, or have their own research department of high-tech SMEs, banks in addition to providing liquidity loans, can also apply for project development loans.

6 export loans

For the production of export products of the enterprises, the bank according to the export contract, provide or importer's credit visa, provides a packing loan. The cash accounts of enterprises, can provide foreign exchange mortgage loan. The source of foreign exchange earnings of the enterprise, can obtain loans in RMB settlement certificates. Optimistic about the prospects for export enterprises, but also business transformation through a certain amount of the loan.

7 natural person guaranteed loans

In 2002 August, the industrial and Commercial Bank of Chinese pioneered natural secured loan business, the domestic institutions of the industrial and commercial bank in the future, to the small and medium-sized enterprise for the period within 3 years of credit business, can provide property security by natural person and assume the compensatory liability. A natural person may take the mortgage, the pledge of rights guarantee, mortgage and guarantee in three ways. Can property as collateral to include all of the property, the right to use land and transportation etc.. As a pledge of personal property includes savings deposits, bonds and registered financial bonds. Mortgage and guarantee refers to the basis of property mortgage, joint and several liability additional mortgage guarantee. If the borrower fails to repay the principal and interest of the loan or the occurrence of other all event of default, the bank will require the guarantor to perform the obligation of guarantee.

8 personal loans

Construction Bank, Minsheng Bank, China CITIC Industrial Bank and other commercial banks have launched a financing new businesses -- personal loans. Funding from individuals commissioned by the commercial banks, according to the client to determine the loan object, purpose, amount, term, interest rates, a loan to extend, supervision, and help recover.

9 intangible assets secured loans

According to the relevant provisions of the "PRC security law", the intangible assets such as property rights, the right to use trademark patent, copyright can be as loan collateral.

10.** discount

* * discount financing, refers to the * * * * holder will transfer to commercial banks, obtain deduct discount interest funds. In our country, the commercial * * mainly refers to the bank acceptance and. One of the benefits of this mode of financing is the bank not to the lender in accordance with enterprise asset size, but according to the market (sales contract) for the loan. Enterprise from * * to * * cash due date, often at least dozens of days, more than 300 days, money is idle during this period of time. If the enterprise can make full use of * * discount financing, far more than the loan application procedure is simple, and the financing cost is very low. * * the discount on the belt only corresponding to the bank to handle the relevant formalities to be * *, completed in 3 business days can, to the enterprise, this is "make the day after tomorrow's money" with tomorrow's money, this financing method is small and medium-sized enterprises, and actively use widely.

11 Financial Leasing

In the developed countries has become the second largest financing equipment investment in the second largest bank credit. Financial leasing is a collection of credit, trade, leasing in one phase separation model financing way, characterized by the ownership and use of the lease object. Equipment manufacturers and some equipment, can be entrusted to the Finance Leasing Company investment purchase, and then in the form of leasing equipment delivery enterprises. When the enterprise rent paid during the period of the contract, ownership will eventually have the equipment.

Through the financial leasing, the enterprise be a small amount of money to get advanced technology equipment required, while production, edge also rent, for lack of funds of enterprises, financial leasing is a good way to accelerate investment, expand production; some product backlog of enterprises, good sales, marketing means to promote financial leasing is.

12 mortgage financing

Pawn is based on physical collateral, obtained a temporary loan financing to the physical transfer of ownership form. Compared with bank loans, high cost of pawn loans, small loans, but also bank loans pawn incomparable advantages. First of all, and credit conditions for the bank to the borrower to exacting requirements compared to the requirements of customers, credit pawnshop is almost zero, the pawn line focus only on the pawn items are genuine goods at a fair price. And general commercial banks do not the chattel mortgage, and the pawn can be movable and immovable property pledge two and. Secondly, to the point of hock hock low, goods thousand yuan, one hundred yuan can be when. And banks instead, pawn to pay more attention to individual customers and services to small and medium enterprises. Third, a bank loan and complicated procedures, approval period compared to, pawn loans procedures are very simple, mostly Lidengkequ, even if it is not the chattel mortgage, the bank will convenient than many. Fourth, the customer of the bank loan, loan applications can not exceed the scope of the designated bank. And the pawn is not the purpose of the loan, the money is free to use. Go round and begin again, greatly improving the utilization of funds.