What are the bank's financial management methods?

1. Both the supply and demand sides of direct financing funds need to negotiate repeatedly in time and quantity to reach a transaction; Bank financial management is flexible and diverse. As an intermediary between borrowers and lenders, banks can provide different amounts and different ways to meet the financing choices of both parties.

2. The trading of securities is sometimes restricted by trading batches, so a small amount of investment can't enjoy the preferential treatment of large transactions; Bank credit can make a mickle, and it can provide loans of different sizes and maturities for the society.

3. In direct financing, the creditor may not know enough about the debtor's credit status, so it is risky; Before granting credit, banks have financial experts to study the feasibility of the research data and then make decisions, which may reduce disputes and risks compared with direct financing.

4. Compared with the promulgation of "Banking Law", direct selling securities may not be sold quickly and without loss in case of urgent need. Of course, direct financing also has its advantages. It is impossible to develop commodity economy without direct financing activities. For example, commercial credit occurs in the process of commodity circulation; Stocks and corporate bonds are also indispensable means to develop modern large enterprises and raise funds.

situation

First, in terms of loan types, it is generally appropriate to gradually upgrade from small to large. You can apply for a working capital loan from the bank through effective procedures such as pledge, mortgage or third-party guarantee, and then apply for a project loan after you have certain strength.

Second, in terms of loan amount, since the general economy of individual operators is not very rich, they should do what they can to avoid large investment.

Thirdly, in terms of loan interest rate, according to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives can raise the loan interest rate of individual operators within 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, you can' shop around' and try to choose financial institutions with small floating interest rates to lend.

4. In terms of loan term, the current short-term loans are divided into two interest rate classes: within 6 months (including 6 months) and 6~ 12 months (including 1 year). For short-term loans with a term of less than 1 year, the contract interest rate shall be implemented, and interest shall not be calculated in installments; Medium and long-term loans are divided into three grades: 1~3 years, 3~5 years and more than 5 years. Interest is calculated in stages for medium and long-term loans. When the loan interest rate is adjusted, the new interest rate of the same loan in the same period will be implemented in June of the following year 1.