I. Mergers and acquisitions
With the intensification of economic globalization and market competition, M&A has become a trend for enterprises to develop rapidly and improve their competitiveness. Between Xinjian and M&A, enterprises choose M&A as a means to realize industrial upgrading, which is helpful to shorten input-output time, reduce entry barriers, acquire the latest technology, expand market share, reduce competitors and realize diversification. With the continuous advancement of economic globalization, multinational companies have to face more competitors, and more and more enterprises are beginning to feel the cruelty of international competition and the great pressure of survival. At the same time, economic globalization has blurred the boundaries between internal and external markets in various countries. Multinational companies need to face the global market directly to gain competitive advantage, and cross-border mergers and acquisitions have become a rational choice for enterprises to expand internationally [4].
Enterprise merger and acquisition calls for professional guidance. M&A's pricing, strategic procedures, anti-merger strategies and post-merger integration all require the accumulation of very professional financial knowledge and practical experience. General enterprises don't often carry out mergers and acquisitions, so they don't have much experience in mergers and acquisitions. It is far from enough for mergers and acquisitions to rely solely on the strength of enterprises. Therefore, only professional financial departments can act as financing consultants and guide mergers and acquisitions.
Banks have many advantages as financing consultants for enterprise mergers and acquisitions. Most importantly, banks have a large number of high-quality financial experts who can provide theoretical and practical guidance for mergers and acquisitions and provide suggestions for post-merger restructuring and integration; Banks have a natural capital advantage. When M&A needs financial support, banks are naturally a better choice, which not only supports the success of M&A, but also creates profits for banks. The advantage of banks lies in their reputation and relationships with all parties. Banks have a good relationship with the government, relevant enterprises and departments, have a comprehensive grasp of policies, and their credibility is better than that of ordinary financial companies. [5] Therefore, it is a correct and reasonable choice for banks to serve as M&A financing consultants.
Second, venture capital.
Developing venture capital is of great significance. Venture capital is a high-risk, high-growth and high-return investment and financing method, and the investment direction is mainly concentrated in emerging, fast-developing high-growth and high-tech small and medium-sized enterprises. It is conducive to improving the efficiency of resource utilization, changing China's traditional economic growth mode, playing an important role in promoting the development of high-tech industries, and is an important breakthrough for China to realize the grand goal of "rejuvenating the country through science and technology". [6] At present, the government has fully realized the great role and significance of developing venture capital, and is vigorously promoting the development of venture capital.
The whole process of venture capital operation is a systematic project, which needs the guidance of professional consulting units. The choice of venture capital projects, capital investment, time and quantity of investment, when to quit, how to quit, timing and quantity are not simple things. It is almost impossible to complete the whole operation only by venture enterprises and venture capitalists, but banks can use their own talent advantages and capital advantages to provide financial advice and guidance in all aspects of venture capital, and may also provide financial support for expanding their business.
Third, project financing.
Project financing is aimed at large-scale public infrastructure construction and large-scale energy development projects, [7] such as highways, ports and docks, hydropower stations, west-east gas transmission, power grid laying and other construction projects.
With the output of the project as the guarantee, it can obtain much larger loans with less capital. This financing method is of great practical significance for developing countries with rapid economic growth, lack of domestic funds and many good investment projects.
Project financing involves many relationships and financing is very complicated. Commercial banks can actively participate in the planning and evaluation of projects, mainly including the risk assessment of projects, the determination of structural financing schemes, the arrangement of financing methods, the organization, supervision and management of loan syndicates, etc. When arranging syndicated loans, we can fully innovate various financial products (such as asset bonds, various loan securitization, financial leasing, convertible bonds, entrusted loans, etc. ), [8] from which you can get a lot of consulting fees and handle syndicated loans.
Fourth, enterprise financing.
Finance is equivalent to the blood of an enterprise. Once something goes wrong, the enterprise will face huge losses and even bankruptcy. The financing consultant can act as a doctor of enterprise finance, which can not only cure the disease, but also make it develop healthily. The work of financing consultant can be: financial analysis and diagnosis, investment and financing decision-making, project evaluation, financial decision-making, financial innovation, financial system and capital operation.
Verb (abbreviation of verb) personal finance
With the development of market economy and the deepening of financial system reform, coupled with the improvement of people's living standards, the demand of society and the public for private financial services is getting higher and higher both in quality and quantity. At present, the individual and private economy is in the ascendant, and the private financial business has just started. For commercial banks, they should seize this huge potential market, seize opportunities, strengthen business linkage and broaden intermediary business channels in order to realize their own development. For more relevant information, you can consult a consultant.