Traditional Culture Encyclopedia - Traditional virtues - What are the similarities and differences in financing methods?
What are the similarities and differences in financing methods?
1. Bank. Bank loans are the choice of most small and medium-sized enterprises, among which state-owned commercial banks are the main ones. However, banks are generally reluctant to provide long-term credit support, mostly short-term loans within one year;
In addition, with the main goal of supporting the development of the state-owned economy, banks will reduce the financing channels for SMEs.
2. Crowdfunding mode. Crowdfunding refers to a financing model composed of project sponsors, investors and crowdfunding platforms. It is based on entrepreneurs fully expounding the project on the crowdfunding platform to win the attention and support of social capital. The crowdfunding model has low barriers to entry and is a popular financing channel for SMEs.
Its disadvantage is that the project financing cycle will be longer, and it is necessary to pay the crowdfunding platform fee, as well as the social capital (that is, investors) remuneration (project income or self-produced goods), and the rest of the funds are self-owned funds with no cost.
3. Financial leasing. It is the most commonly used seller's credit financing method, including direct lease and leaseback. The biggest advantage is that the lessee does not need to pay the full price of the purchase target at one time, and can pay the rent with the generated profits.
"Under normal circumstances, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing and overseas financing.
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 does it make its own investment, but also has more than 1.800 cooperative fund resources, which is dedicated 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 have any questions about financing, you can click the online consultation button below and talk to the teacher directly.
- Related articles
- Introduction of Gao Tai Folk Houses
- Information on the Ten Great Dynasties of Ancient China
- Relationship between the Pythagorean Theorem and the Cosine Theorem?
- Yang Liping's temperament is so elegant ah, wear gaudy skirt, but let people look very comfortable, do you like it?
- Chongqing hot pot is characterized by tripe and duck intestines, there is no hot pot that does not buy these two things?
- What does media mean in the field of computer?
- Children's English stories
- Practice and Formula of Traditional Twist
- Folk proverbs and famous sayings of unity is strength.
- Carrying forward the revolutionary tradition is super simple.