Financing refers to the financial management behavior that the company raises funds from the company's investors and creditors through certain channels through scientific prediction and decision-making according to its own production and operation status, capital ownership status and the needs of the company's future operation and development, so as to ensure the company's normal production needs and management activities.
The motivation of the company to raise funds should follow certain principles and be carried out through certain channels and ways. The purpose of enterprise financing is nothing more than three: to expand, to pay off debts, and to have mixed motives.
Extended data
There are several ways to raise funds:
1, bank
When you need financing, you should first think of the bank. Bank loan is called the "reservoir" of risk financing. Because banks have strong financial resources and most of them have government background, they have a "mass base".
2. Financing platform
Because it is difficult to obtain financing from banks, the third-party financing platform is a good choice for financiers. For example, the investment and financing community, the largest third-party financing platform in China, provides more professional investment and financing information services.
3. Credit card
With the innovation of commercial banking, the settlement method of credit card is becoming increasingly electronic. Credit cards are not only fashionable, but also feasible for people engaged in business to obtain certain funds through credit cards when they are in urgent need of turnover.
4. Policy Commitment
Does the policy pledge insurance company "lend" funds to the insurer? Many people may be surprised, but this kind of business does appear. If the applicant is in financial difficulties or in urgent need of capital turnover, he can pledge his policy to the insurance company and obtain loans from the insurance company in accordance with relevant regulations and proportions.
5. Pawnshop
Pawning may be the most vital industry since ancient times. Obtaining funds through pawn shops is gradually becoming familiar to the people. Gold, jewelry, home appliances, real estate, motor vehicles, etc. Can be pawned, securities can be pledged.
6. Entrusted loan
Entrusted loans are also a way to solve personal capital needs. To put it simply, the fund provider lends money to the demander through a commercial bank, and the borrower returns the principal and interest to the account opened by the other party in the bank on time, and the interest rate rises by 30% on the basis of the loan interest rate of the People's Bank of China for the same period, which is determined by both parties through consultation.
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