12 kinds of means of poineering financing_1522

							Financing,




12 kinds of means of poineering
financing




Financing, 12 kinds of means of poineering financing




12 kinds of means of poineering financing
1 give a letter integratedly
Namely bank the enterprise with good to a few management states,
reliable credence, grant the line of credit of certain amount inside
certain period, the enterprise is spent in period of efficacy and
forehead can use circularly inside limits. Award letter forehead
integratedly to spend by the enterprise one-time declare concerned
material, the bank is one-time examine and approve. The enterprise
can carry according to his battalion the circumstance uses a fund in
installment, along with borrow along with still, company borrow or
lend money is very convenient, at the same time managing also
financing cost. The bank uses this kind of means to provide loan, it
is industrial and commercial to having commonly register, with the
proper method of yearly check qualification, management, credit the
reliable, company that has concern of more long-term cooperation with
the bank.
2 credence assure loan
It is at present in 31 province, city of countrywide, already 100
many cities built credence of medium and small businesses to assure
orgnaization. These orgnaizations execute a member to make
administrative form mostly, belong to communal organization of
profitability of blame of sex of self-discipline of service, industry,
oneself. Assure the origin of fund, it is by local government finance
allocates funds commonly, the composition of a few parts such as the
capital of collect of the member fund that the member pays of one's
own accord, society, capital of the commercial bank. Member company
to bank loan when, can assure by medium and small businesses the
orgnaization gives assure. Additional, medium and small businesses is
OK still assure to what begin intermediary service technically the
company is sought assure service. Do not offer those who give a bank
to be able to be accepted to assure when the enterprise when measure,
wait like guaranty, impawn or guarantor of tripartite credence,
assure the company can solve these difficult problem however. Because
be compared with bank photograph, assure the company is more agile to
the requirement of gage. Of course, assure company the interest to
ensure oneself, often can ask the enterprise is offerred assure
instead measure, assure sometimes the member that the company still
can be sent flows to enterprise monitoring capital circumstance.
3 buyer borrow money
If the product of the enterprise has reliable sale, but in oneself
capital gold foundation of insufficient, financial management is
poorer, OK offer assure below the situation with taste or seek
tripartite to assure more difficult, the bank is OK according to sale
contract, to its product buy buyer to offer loan to support. The
bargainor is OK to buyer collection certain proportional imprest, in
order to resolve the capital difficulty in manufacturing process.
Perhaps sign and issue a bank acceptance by buyer, the bargainor
holds bill of exchange to arrive bank discount.
4 different ground combines synergic loan
Sale of product of some medium and small businesses is very wide,
perhaps provide component of form a complete set for certain big
company, or of industry group inattentive model subsidiary. In
producing synergic product course, need complement produces capital,
can seek to sponsor a bank to take the lead, unified to group company
provide loan, again by the group the company is opposite synergic
look forward to Course of study provides necessary fund, local bank
cooperates to undertake the contract is supervised. Also can open an
account by what leading bank is the same as business of different
ground club the bank is united in wedlock, provide loan separately.
5 projects develop loan
If medium and small businesses of a few high-tech has the achievement
of science and technology of great value to change a project, number
of initiative and devoted capital is larger, the enterprise has
capital to bear hard oneself, can apply for a project to develop loan
to the bank. The medium and small businesses of the product of new
and high technology that the commercial bank reachs good market
prospect to having maturity technology or patent project and the
medium and small businesses that use achievement of new and high
technology to undertake technical reformation, will give active
credit support, in order to promote the rate that the enterprise
accelerates achievement of science and technology to change. Concern
of development of stable to be being built with orgnaization of
institution of higher learing, scientific research project or the
high-tech medium and small businesses that have oneself to study a
branch, bank besides offerring circulating fund to borrow money, also
can deal with a project to develop loan.
6 exit are achieved collect loan
Export the company of the product to production, bank but the basis
exports a contract, or the credit visa that the entrance just offers,
offer bale loan. To having the company that assembles account now,
can provide loan of foreign currency mortgage. To having the company
of source of foreign currency income, can obtain RMB loan by proof of
settlement of exchange. To exporting the company that foreground
values, OK still the technical reformation that business lends
certain amount borrows money.
7 natural people assure loan
In August 2002, industrial and Commercial Bank of China took the lead
in rolling out a natural person to assure loan business, the
churchyard orgnaization of industrial and commercial henceforth bank,
to medium and small businesses conduction deadline is when business
of credit of 3 years of less than, can offer belongings to assure by
the natural person and assume acting countervail responsibility. The
natural person assures can adopt impawn of guaranty, right, guaranty
to add assure 3 kinds of means. But on mortage belongings includes an
individual carriage tool of access of all house property, land and
communication. The personal property that can make impawn includes
national debt of type of deposit deposit receipt, proof and bond of
nominative type finance. Guaranty is added assuring is to point to
the foundation that mortgages in belongings to go up, the joint
liability of add guaranty person assures. If borrower fails to repay
on schedule full loan principal and interest or produce item of other
beak a contract, the bank fulfills meeting requirement security
assure compulsory.
8 people entrust loan
Bank of Chinese construction bank, the people's livelihood, medium
the commercial bank such as trustworthy trade bank rolled out
individual of —— of new breed of business of a financing to entrust
loan in succession. Entrust bankroll by the individual namely, the
loan target that defines according to client by the commercial bank,
utility, amount, deadline, interest rate, extend for you, supervise,
use and assist a kind of loan that call in. Deal with The basic
course that the individual entrusts loan is: 1. Offer loan
application to the bank by client. 2. The bank undertakes choosing
mate according to bilateral condition and requirement, part to
entrust just just recommend with loan. 3. Client and borrower both
sides meet directly, specific item and detail if means of time limit
of loan amount, interest rate, loan, reimbursement undertake
negotiating negotiation and make a decision. 4. After requirement of
requirement of leasehold and bilateral negotiate, reach a bank
together and sign with the bank respectively entrust an agreement. 5.
The bank undertakes investigating to the financial condition state of
leasehold person and reimbursement ability and issue findings report,
leasehold both sides signs loan contract and borrow money via after
the bank is examined and approve, extending next.
9 intangible assets assure loan
According to " People's Republic of China assures law " concerned
regulation, special right, patent, move makes the trade mark that can
make over lawfully the intangible assets such as the money property
right in authority can regard loan impawn as content.
Financing of 10 bill discount
Bill discount financing, it is to show note holder transfers
commercial bill the bank, obtain the fund after deducting discount
interest. Be in our country, commercial bill basically is to point to
bank acceptance and commercial accept bill of exchange. One of
advantage of means of this kind of financing are a bank do not come
according to the asset dimensions of the enterprise loan, however
basis market condition (sale contract) will borrow money. The
enterprise receives bill to expire to bill cashed day, often be
little criterion a few days, many 300 days, capital is in unused
condition in this paragraph of time. If the enterprise can make full
use of bill discount financing, far handier than applying loan
procedures, and financing cost is very low. Bill discount needs the
corresponding bill on the belt to deal with concerned formalities to
the bank only can, do business in a few days to be able to do
appropriate in 3 commonly, to the enterprise, this is “ earns
acquired money ” with the money tomorrow, means of this kind of
financing is worth medium and small businesses extensive, actively is
used.
11 finance are rented
Finance is rented had made the way of the 2nd big financing that bank
credit is next to in installation cost in economic developed country.
Finance is rented is credit of a kind of collect, commerce, rent at
an organic whole, it is new-style financing means of the feature in
order to rent the droit of thing and use photograph depart. After
equipment uses manufacturer to take a fancy to some kind of equipment,
can entrust finance to hire a firm contributive buy, use equipment
delivery company with rented form again next. Closing when the
enterprise after paying off hire inside the corresponding period,
return the property that will own this facility finally. Rent through
finance, the enterprise can acquire wants advanced technique facility
with a few capital, can frontier production, edge returns hire, the
look forward to to capital shortage For course of study, finance
rents can yet be regarded as to quicken the investment, tweak that
enlarges production; With respect to the enterprise of certain
product keep long in stock, finance rents can yet be regarded as to
advance the sale, good step that extends the market.
12 mortgage financing
Hock is it is guaranty with objective, the means of a kind of
financing that obtains provisionality loan with the form that
objective droit changes. With the bank loan photograph is compared,
mortgage loan cost scope of tall, loan is little, but the advantage
that hock also has bank loan to be able to not be compared. Above all,
with the bank approximately slashing to the financial condition
condition of borrower demand bearing is compared, hock asks to be
almost to the client's credence all right 0, hock pays attention to
hock article only all right all wool and a yard wide. And average
commercial bank makes praedial pledge only, and hock travel is OK
movables and praedial impawn both hold concurrently for. Next, the
starting point to article of hock travel hock is low, 1000 yuan, 100
yuan article can be become. As contrary as the bank, hock pays
attention to pair of individual clients and service of medium and
small businesses more all right. The 3rd, as multifarious as bank
loan procedures, examine and approve periodic appearance to compare,
mortgage loan procedures is very handy, stand mostly etc desirable,
even if praedial guaranty, also want than the bank convenient a lot
of. The 4th, client to bank loan when, the limits that insurmountable
bank appoints the utility of loan. And the utility that hock goes to
pay no attention to loan, money is used rise very free. Go round and
round, raised capital utilization rate greatly.
Keywords:
Financing,




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