1, the company's financing method has the following two points:
(1) Direct financing. Direct financing is a financing mechanism with stocks and bonds as the main financial instruments. This kind of fund supplier and fund demander directly finance through financial instruments such as stocks and bonds.
(2) Indirect financing. Indirect financing is the symmetry of direct financing. Units with temporarily idle monetary funds provide their temporarily idle funds to these financial intermediaries in the form of deposits, or buy securities issued by banks, trusts, insurance and other financial institutions, and then these financial institutions provide loans, discounts and other forms.
2. Legal basis: Article 3 of the General Principles of Loans.
The issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.
Article 4
Lending activities of both borrowers and lenders shall follow the principles of equality, voluntariness, fairness and good faith.
Second, what are the risks of corporate financing?
The risks of enterprise financing are as follows:
1, default risk, that is, failure to repay due debts on time may damage the credit of enterprises and even cause legal proceedings;
2, moral hazard, mainly refers to the financing team in the process of fund management, asset management, fund management and financing, due to personal reasons of the enterprise team, the possibility of damage to the interests of enterprises, such as extracorporeal circulation of funds;
3, opportunity risk, refers to the financing enterprise in the process of financing decision-making and financing scheme implementation, because choose a scheme or opportunity, thus losing the possibility of other opportunities;
4, legal risk, financing enterprises in the process of financing plan design and implementation, due to some aspects of illegal, fraudulent or deceptive behavior, leading to the possibility of breaking the criminal law.