(1) finance lease
Financing lease of small and medium-sized enterprises refers to the financing mode in which the lessor purchases the leased property from the supplier according to the lessee's choice of suppliers and leased property, and provides it to the lessee for use, and the lessee pays the rent in installments within the contract or the period stipulated in the contract.
(2) Bank acceptance bills
In order to conclude a transaction, the SME financier can apply to the bank for issuing a bank acceptance bill. After the approval of the bank, the bank acceptance contract will be formally accepted, and the acceptance bank will sign the text or signature on the acceptance bill.
Such a bill accepted by a bank is called a bank acceptance bill, specifically, a bank guarantee to the buyer. The seller doesn't have to worry about not receiving the payment, because the buyer's guarantee bank will definitely pay the payment when it expires.
The advantage of bank acceptance bill financing for small and medium-sized enterprises is that enterprises can realize short-term, frequent and rapid financing for small and medium-sized enterprises and reduce their financial expenses.
(3) Real estate mortgage
Real estate mortgage financing for SMEs is the most widely used financing method for SMEs in the market at present. When enterprises use real estate mortgage to finance small and medium-sized enterprises, they must pay attention to the legal provisions on real estate mortgage in China, such as the Guarantee Law and the Urban Real Estate Management Law, so as to avoid being deceived.
(4) Equity transfer
Equity transfer financing of small and medium-sized enterprises means that small and medium-sized enterprises obtain funds by transferring part of the company's equity to meet the capital needs of enterprises. In fact, small and medium-sized enterprises want to introduce new partners in equity transfer and financing.
(5) Delivery guarantee
The advantages of financing for small and medium-sized enterprises with delivery guarantee mainly lie in grasping market opportunities, reducing the financial pressure of enterprises and improving cash flow. This kind of financing for small and medium-sized trading enterprises is suitable for small and medium-sized enterprises that have opened letters of credit in banks and imported goods to the port, but the documents have not arrived and are eager to pick up the goods.
Extended data
Financing mode selection:
1. pecking order theory follows "internal financing" before "external financing"
In the market economy, enterprise financing methods can generally be divided into two types: one is endogenous financing, that is, the process of transforming retained earnings and depreciation of enterprises into investment; The other is external financing, that is, the process of absorbing the savings of other economic entities and transforming them into their own investment.
2, considering the actual situation, choose the appropriate financing method.
Enterprises should choose more suitable financing methods according to their own operating and financial conditions and considering the changes of macroeconomic policies.
(1) Consider the impact of the economic environment.
(2) Consider the capital cost of financing.
(3) Consider the risks of financing methods.
(4) Consider the profitability and development prospects of the enterprise.
(5) Consider the degree of competition in the industry where the enterprise is located.
(6) Consider the control right of the enterprise.
Baidu Encyclopedia-Financing Method