What are the ways of private enterprise financing methods

Methods of enterprise financing include:

1, bank loans.

Banks are the most important financing channels for enterprises. According to the nature of the funds, it is divided into three categories: working capital loans, fixed asset loans and special loans. Specialized loans usually have a specific purpose, its loan interest rates are generally more favorable, the loan is divided into credit loans, guaranteed loans and bill discounting.

2, stock financing.

Shares have a permanent, no maturity date, do not need to return, there is no pressure to pay interest and other characteristics, and therefore less risky financing. The stock market can promote the conversion of the business mechanism, truly become independent, self-supporting, self-development, self-restraint of the legal entity and the main body of market competition. At the same time, the stock market provides a broad stage for asset restructuring, optimizing the organizational structure of enterprises and improving their integration capacity.

3, bond financing.

Enterprise bonds, also known as corporate bonds, is issued in accordance with legal procedures, agreed to pay interest within a certain period of time, securities, said the bond-issuing enterprises and investors is a debt relationship. Bondholders do not participate in the management of the enterprise, but have the right to recover the agreed principal and interest on schedule. In the bankruptcy and liquidation of the enterprise, the creditors have priority over the shareholders to enjoy the right to claim the remaining property of the enterprise. Corporate bonds are securities, like stocks, and can be freely transferred.

4, financial leasing.

Financial leasing, through the combination of financing and financing, both financial and trade functions, to improve the efficiency of enterprise financing, promote and facilitate the technological progress of enterprises, has a very obvious role. Financial leasing has direct purchase leasing, sale and leaseback and leveraged leasing. In addition, there is a combination of leasing and compensation trade, leasing and processing and assembly, leasing and underwriting combined with a variety of leasing forms. Financial leasing business for the technological transformation of enterprises to open up a new financing channel, Bokai investment to take a new form of financing and financing combined to improve the speed of the introduction of production equipment and technology, but also save the use of funds to improve the utilization rate of funds.

5, overseas financing.

Overseas financing available to enterprises include international commercial bank loans, loans from international financial institutions and enterprises in the major overseas capital markets in the bonds, stock financing business.

Tips: The above is for reference only.

Response time: 2021-12-13, please refer to the announcement on Ping An Bank's official website for the latest business changes.