Asset mortgage loan
rights
Guarantee company guarantees loan
Project secured loan
Trust financing
Unsecured/credit loan
Issue corporate bonds
Transfer equity financing
issue shares
acceptance of bills
bank guarantee
Equipment leasing is also a means of financing.
Two, under the accounting standards for small enterprises, what are the calculation methods of bill discount?
The accounting of bills receivable is different from the accounting treatment of industry accounting system and enterprise accounting system. According to the discount of small business association, different accounting treatment methods should be adopted according to different situations:
1. If it is stipulated in the agreement signed between the small enterprise and the bank, when the debtor fails to repay the bills receivable on time, the small enterprise applying for discount has the responsibility to repay the bank. In essence, the risks and rewards related to the discount of bills receivable are still borne by the small enterprises applying for discount, and the small enterprises applying for discount should be accounted for in accordance with the provisions that bills receivable are used as collateral to obtain loans.
When a small enterprise obtains a pledged loan with notes receivable, it should return it according to the bank seal, debit the account of "bank deposit" according to the actual amount received (that is, the net amount after deducting discount interest), debit the account of "financial expenses" according to the principal of bank loan, credit the account of "bank deposit" according to the principal of bank loan and credit the account of "short-term loan".
2. If it is agreed in the agreement signed between the small enterprise and the bank that the repayment is due by discounting, the small enterprise applying for discounting shall not be liable for repayment, and it shall be regarded as the sale of bills receivable. The sales of accounts receivable are as follows.
Third, how to borrow company loans, and how much can a small company borrow at most?
1. The loan can reach about 400,000 yuan, and it can reach 70 ~ 80% of the real estate assessment value. ;
2. The factors that affect the amount of real estate mortgage loans are as follows
Appraisal value of the property:
Among them, the main factors that affect the real estate appraisal value are: housing type, housing area, orientation, location, construction year, floor and so on.
The loan amount is related to the assets you own. If there is only one property, you can only borrow 50% of the real estate assessment value at most. If you have multiple properties, you can get a loan worth 70-80% in real estate assessment.
Personal income:
The amount of personal income will also be considered by banks within the scope of loan factors. If your personal income is low, the bank will consider whether you have enough repayment ability, and then the bank will reduce the loan amount.
Current consumer product quota of the Bank:
Different banks offer different loan projects. Some banks can only lend up to 3 million yuan, and some banks can lend more than 6.5438+0 million yuan. Therefore, the maximum amount of loans that can be made by different banks also has a certain impact.
4. What are the types of corporate loans?
Types of corporate loans:
First, according to the classification of loan management attributes
1, self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.
2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk.
3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans.
Second, according to the loan term.
1. Short-term loan. Refers to the loan with a loan term of 1 year (inclusive).
2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans.
Extended data:
Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. At present, enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange,
Enterprise certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and loan custody of export tax rebate accounts.
Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:
1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
Credit loan:
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).