1. The financing form provided by bank credit financing to customers in monetary form;
2, consumer credit financing, individuals use the funds provided in advance by enterprises or financial institutions to obtain a small amount of funds in advance for high consumption;
3, lease financing, enterprises use the funds provided in advance by equipment providers or financial institutions to obtain the right to use valuable machinery and equipment by paying rent, in order to reduce the financing form occupied by equipment purchase funds.
What are the characteristics of indirect financing?
1, with high loan conditions. Need hard mortgage conditions;
2. The approval procedure is very complicated. State-owned banks are being reorganized into joint-stock commercial banks. Love the poor and the rich is its business philosophy, and the risk control of loans is becoming a lifelong responsibility system, which leads to the serious phenomenon of many banks' reluctance to lend;
3. The financing risk is high. When the enterprise is not well managed, the risk of failing to repay the principal and interest at maturity will inevitably lead to the sale of assets or even bankruptcy of the enterprise, and it is difficult for the enterprise to increase the burden of risk diversification and transfer through financing structure;
4. Stiffness of financing cost. The financial cost of an enterprise is nailed to the interest of bank loans through bank loans. The financial cost of an enterprise mainly depends on the bank's interest rate adjustment policy, especially if the bank tightens monetary policy and the interest rate increases, the financing cost of the enterprise will rise rigidly.
5. The use of funds is restricted. Usually, in order to ensure the timely return of bank loans, banks have clear regulations on the use of loans;
6. It is difficult to enjoy the national treatment of banks. There are political risks in the bank's loan support for small and medium-sized enterprises. Medium and long-term bank loans mainly support large and medium-sized state-owned enterprises with market products, good benefits and repayment ability, as well as national key technological transformation projects and infrastructure construction. SME loans are mainly working capital loans.
Legal basis: Article 440th of the Civil Code of People's Republic of China (PRC).
The following rights that the debtor or a third party has the right to dispose of may be pledged:
(1) Bills of exchange, promissory notes and checks.
(2) Bonds and certificates of deposit.
(3) Warehouse receipts and bills of lading;
(4) Transferable fund shares and equity;
(5) Transferable intellectual property rights such as the exclusive right to use a registered trademark, patent right and copyright;
(6) Existing and future accounts receivable;
(7) Other property rights that can be pledged according to laws and administrative regulations. Article seven hundred and thirty-five
A financial lease contract is a contract in which the lessor purchases the lease item from the seller according to the lessee's choice of the seller and the lease item, provides it to the lessee for use, and the lessee pays the rent.
Article seven hundred and thirty-six
The contents of a financial lease contract generally include the name, quantity, specification, technical performance, inspection method, lease term, rent composition, payment term and method, currency, ownership of the lease item at the expiration of the lease term, etc.
The financial lease contract shall be in written form.