1 indicates that the enterprise needs money for development, but the money is temporarily out of town or not enough, so it needs a loan.
2. Although cash is sufficient for the development of enterprises, it is necessary to accumulate the number of bank transactions and credit, which is useful for refinancing and listing in the future and can be used as a credit reference for enterprises ~ ~ ~
Why do enterprises need loans?
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. 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, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, unit certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.
With a lot of money, why do listed companies still borrow money from banks?
There is always more cash because of doing business. If they are all bank loans, then the company's asset-liability ratio is too high, and interest will swallow you up. If they are all equity financing, new projects, new products and new market financing, the original shareholders will be heartbroken and worried that the equity will be diluted for a while and then acquired. Generally, you borrow money first, and then raise equity financing if it is not enough. The direct financing and indirect financing of this kind of enterprise complement each other, and it is a pizza with bread and meat. There are other benefits of listing, such as the circulation of equity, and you need money to pledge equity or something; Stocks are liquid and can be realized. In addition, listed companies are generally more transparent than non-listed companies, with better default qualifications and lower interest rates for issuing bonds or lending.
1. A listed company is a company limited by shares. In addition to examination and approval, the company must meet certain conditions for listing on the stock exchange. Literally, a listed company refers to a joint stock limited company whose shares are listed and traded on the stock exchange with the approval of the securities management department authorized by the State Council or the State Council. After a listed company lists its securities and stocks on the stock exchange, the public can freely buy and sell related securities and stocks according to the rules of each exchange, and the public who buys stocks becomes the shareholders of the company and enjoys rights and interests. After the revision of the Company Law and the Securities Law, more enterprises will become listed companies and companies whose corporate bonds are listed and traded. A joint stock limited company can be a non-listed company and has the general characteristics of a joint stock limited company, such as shareholders' limited liability, ownership and management rights. Shareholders participate in company decision-making by electing the board of directors and voting.
2. Banks are legally established financial institutions engaged in monetary and credit business, which are the products of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities. The word "bank" comes from Banca, Italy. Its original meaning is bench and chair, which is the business appliance of the earliest money changer in the market. English translation into Bank means the cabinet for saving money. In China, it is called "bank" because of the history of China's economic development. In the history of our country, silver has always been one of the main monetary materials. "Silver" often represents money, while "bank" is the title of large commercial organizations. Calling a large financial institution dealing with money a bank was first seen in the Book of History by Hong Ren of the Taiping Heavenly Kingdom.
Why do individual enterprises need loans? Why can't a loan be separated from a loan consultant?
The purpose of individual enterprise loan is to ease the financial shortage and obtain funds.
1. Individual enterprises often face the situation of broken capital flow when operating. At this time, the most effective way is to borrow money from the bank.
2. The loan consultant can help a single enterprise to get a loan from the bank faster and find the lowest loan interest.
Why does the company entrust loans? You will know after reading it!
In modern society, many enterprises entrust banks to issue loans, which can revitalize idle funds within enterprises and help increase extra income. So why does the company entrust loans? What are the benefits of this?
1. Why don't companies lend to each other?
According to the relevant laws and regulations, Paragraph 3 of Article 7 of the General Rules for Loans issued by the People's Bank of China stipulates that funds cannot be transferred between accounts of different legal entities without actual trade background.
Therefore, if enterprises need to borrow from each other before, they can entrust commercial banks to issue loans, pay handling fees and related taxes and fees, and earn interest income. The interest rate can be determined through consultation, but it cannot exceed the loan interest rate and floating interest rate for the same period.
Second, why should the company entrust loans?
The operating conditions of different small and medium-sized enterprises in China are different. Some enterprises often face problems such as poor management, insufficient liquidity and risks. In addition, some enterprises need funds to buy equipment and venues to expand production. In addition, some enterprises have abundant funds and no big plans in the short term, and those investment projects with high expected returns are too risky. It is best to choose the form of entrusted loan, which not only improves the utilization rate of funds, but also increases the expected income of the quota. This is a way to kill two birds with one stone.
1, safe. As the third party of entrusted loans, banks will control them.
2. Deduction. For entrusted loans, tax returns can be made according to the actual interest rate of the loans, and the tax will be more favorable.
In fact, not only enterprises, but also banks can increase some income for themselves through matchmaking, which is also a better business.
Why do enterprises need loans?
Generally speaking, the loan is to alleviate the financial shortage and obtain funds.
Sometimes, there are better investment projects, the investment yield is higher than the loan interest rate, and shareholders hope to get more benefits through financial leverage.
Sometimes, it may be that a credit line has been signed with the bank before. If the credit line is not enough, you have to pay the capital occupation fee. Weigh the two and get a loan.
Sometimes banks can't reach the loan target, so they have to find enterprises to make loans. Due to the need of future cooperation, enterprises will make loans if they can afford it.