What are the ways and methods of enterprise financing?

Take a look at the ways to introduce enterprise financing:

The way of enterprise financing is the channel of enterprise financing. It can be divided into two categories: debt financing and equity financing. The former includes bank loans, bond issuance, notes payable and accounts payable, while the latter mainly refers to stock financing. Debt financing constitutes a liability, and the enterprise must repay the agreed principal and interest on time. Creditors generally do not participate in the business decision-making of enterprises and have no decision-making power over the use of funds. Equity financing constitutes the enterprise's own funds, and investors have the right to participate in the business decision-making of the enterprise and receive the dividend of the enterprise, but they have no right to withdraw the funds.

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. Financial leasing. 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. Financial leasing includes direct purchase leasing, after-sale leaseback and leveraged leasing. In addition, there are many forms of leasing, such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting. Financial leasing business has opened up a new financing channel for technological transformation of enterprises. Bokai investment adopts a new form of financing and finance, which improves the introduction speed of production equipment and technology, saves the use of funds and improves the utilization rate of funds.

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.

Enterprise financing mode

There are usually two financing methods: one is debt financing and the other is equity financing.

Debt financing includes bank loans and bond issuance. Equity financing is also stock financing. Debt financing will constitute debt, enterprises need to pay off the principal and interest within a certain period of time, and creditors do not participate in the business decision-making of enterprises.

Debt financing can be divided into working capital financing and capital expenditure financing. The advantage of this is to borrow money and repay it to creditors when they have the ability to repay.

Equity financing is to exchange capital for the owner's rights and interests, which will involve partners, owners and investors and allocate the company's management responsibilities.

Equity financing allows the founder of an enterprise to share the profits of the enterprise with other investors and assume the management responsibility, instead of paying in cash, and investors can get profits through dividends.