What are the forms of financing?

When you need financing, you should first think of the bank. Bank loan is called the "reservoir" of risk financing. Because banks have strong financial resources and most of them have government background, they have a "mass base".

2. Financing platform

Because it is difficult to obtain financing from banks, the third-party financing platform is a good choice for financiers. For example, the investment and financing community, the largest third-party financing platform in China, provides more professional investment and financing information services.

3. Credit card

With the innovation of commercial banking, the settlement method of credit card is becoming increasingly electronic. Credit cards are not only fashionable, but also feasible for people engaged in business to obtain certain funds through credit cards when they are in urgent need of turnover.

4. Policy Commitment

Does the policy pledge insurance company "lend" funds to the insurer? Many people may be surprised, but this kind of business does appear. If the applicant is in financial difficulties or in urgent need of capital turnover, he can pledge his policy to the insurance company and obtain loans from the insurance company in accordance with relevant regulations and proportions.

5. Pawnshop

Pawning may be the most vital industry since ancient times. Obtaining funds through pawn shops is gradually becoming familiar to the people. Gold, jewelry, home appliances, real estate, motor vehicles, etc. Can be pawned, securities can be pledged.

6. Entrusted loan

Entrusted loans are also a way to solve personal capital needs. To put it simply, the fund provider lends money to the demander through a commercial bank, and the borrower returns the principal and interest to the account opened by the other party in the bank on time, and the interest rate rises by 30% on the basis of the loan interest rate of the People's Bank of China for the same period, which is determined by both parties through consultation.

Extended data

The act of paying a certain percentage of fees, acquiring a pawnshop, paying interest on the pawnshop, repaying the pawnshop, and redeeming the pawnshop within the agreed time limit. Pawnbroking, as the originator of modern financial industry, has always been called the "second bank" of the people abroad.

Compared with bank credit, pawnshop financing has advantages: simple procedures and quick access to funds; Products are diverse and flexible.

With the rapid development of China's pawn industry, there are also some problems, which need the management of relevant systems and regulations to ensure the legitimacy of pawn financing. At the same time, it is necessary to openly handle the procedures and charging regulations, make pawn financing transparent, ensure the financing safety of small and medium-sized enterprises, and safeguard their own interests.