1, bank loan

Banks are the main financing channels for enterprises. According to the nature of funds, it is divided into three categories: working capital loans, fixed assets loans and special loans. Special loans usually have specific purposes, and their loan interest rates are generally favorable. Loans are divided into credit loans, secured loans and discounted bills.

2. Stock financing

The stock is permanent, has no expiration date, does not need to be returned, and has no pressure to repay the principal and interest, so the financing risk is small. The stock market can promote enterprises to change their management mechanism and truly become a legal entity and market competition subject with independent operation, self-financing, self-development and self-restraint. At the same time, the stock market provides a broad stage for asset reorganization, optimizes the organizational structure of enterprises and improves the integration ability of enterprises.

3. Bond financing

Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. When an enterprise goes bankrupt and liquidates, creditors have priority over shareholders in claiming compensation for the remaining property of the enterprise. Corporate bonds, like stocks, are securities and can be freely transferred.

4. Financing lease

Through the combination of financing and finance, financial leasing has the dual functions of finance and trade, and plays a very obvious role in improving the financing efficiency and promoting the technological progress of enterprises.

5. Overseas financing

The overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions, and bond and stock financing business of enterprises in major overseas capital markets.

Most enterprises adopt the first three financing methods, especially equity financing and bank loans. If you want to find something that suits you, it is recommended to choose equity financing. The advantages are: the threshold of required funds is low; Small financing risk; You can urge the company to improve its governance structure and management system, and you don't have to "pay back the money".

Among the financing platforms, Mingde Capital Ecosphere is more reliable. Not only do they make their own investments, but also have more than 2,400 cooperative fund resources, which are committed to helping small and medium-sized enterprises improve their business level and promote equity financing. If you are not sure which financing platform is reliable, it is recommended to try the Mingde Capital Ecosphere. "

If you still have questions about enterprise financing, you can click the online consultation button below and talk to the teacher directly.