[Abstract] Starting from a case, this paper explains the economic meaning of the phenomenon of realizing goods on credit, and analyzes the existing conditions and risks of realizing goods on credit. On this basis, draw a conclusion.
[Keywords] Game financing for realizing goods on credit
Author: Tan Wenting (1989-), female, School of Humanities, Zhejiang University of Technology.
a case from reality: you can do business without loans
[case] Wenzhou businessmen rarely borrow money from banks to do business, and they have their own financing channels. One is that friends help each other. Wenzhou businessmen have a strong concept of fellow villagers and a spirit of mutual assistance. The second is the realization of credit goods. Wenzhou has a unique skill: selling ginseng. The national ginseng antler market is not in the northeast, but in Wenzhou, thousands of miles away. What is even more incredible is the ginseng of the same level. The supply price in Northeast China is 2 yuan/kg, but it only sells for 19 yuan/kg in Wenzhou. The onlookers are stupid. Obviously losing money, do Wenzhou people want to be lively or beautiful? In this way, due to the price relationship, there is no ginseng market in Northeast China, but a national professional ginseng market has been formed in Wenzhou. How wonderful!
Wenzhou businessmen do ginseng antler business, usually order for the first time, with an opening of 1 tons, with one hand paying and one hand delivering; After the relationship is ripe, pay 2%~3% deposit first, and then pay after selling the goods; After the relationship is ironed, there is often no need to pay the deposit, and it will be paid next year. Northeastern businessmen think that it doesn't matter if the iron buddies are one year late.
From the above cases, we can see that the views of Wenzhou businessmen and Northeast businessmen are completely different. In the eyes of Wenzhou businessmen, ginseng is not goods but money.
question 2: what does credit mean? That is to say, the goods are delivered first, which is included in the income according to the accrual basis, but the payment has not been received for the time being, which means that it is included in the accounts receivable! Smile and adopt, thank you!
Question 3: What does short selling mean? Short selling is easy to understand.
Explanation: neither the buyer nor the seller has goods or money in and out, which means the difference between the due entry and exit is used to settle the profit and loss.
short selling is an investment term for stocks, futures and other markets, and it is an operation mode for the spot and futures markets. It is the opposite of "doing more". In theory, it is to borrow goods and sell them first, and then buy and return them. Short selling refers to selling the spot in hand at the current price in anticipation of the future market decline < P >, and buying it after the market falls to obtain the profit of the price difference. Its trading behavior is characterized by selling first and then buying. In fact, it is a bit like the credit trading mode in business. This model can make a profit in the band of falling prices < P >, that is, first borrow goods at a high level and sell them, and then buy and return them after falling. For example, if it is expected that a spot product will fall in the future, we will borrow this spot product when the current price is high (the actual transaction is to buy a bearish contract) and then buy it when the price < P > falls to a certain extent, and return it to the seller at the current price. The difference is the profit.
question 4: if you give credit to the other party, how to write a list? if you are experienced, tell me that you have delivered the goods and have not paid. Then ask him to sign to confirm
Question 5: How to recover the payment after the customer runs away on credit? It is suggested to sue for settlement.
whether the parties can win the case or not, it is very important to provide effective evidence. According to the relevant provisions of the General Principles of the People's Republic of China and the Civil Law of the People's Republic of China, the parties concerned shall provide the following evidences when fighting a debt dispute lawsuit.
1. Documentary evidence such as ID card, contract related to creditor's rights and debts, debit/debit note, bank remittance slip, notarial certificate or invoice. According to Article 4 of Several Opinions on People's Courts Handling Loan Cases issued by the People's Court, when the people's court examines the prosecution of loan cases, it shall require the plaintiff to provide an iou according to Article 18 of the Civil Procedure Law; If there is no written receipt, the necessary factual basis shall be provided. A lawsuit or ruling that does not meet the above conditions will not be accepted. In addition, if the evidential material is a copy, the provider refuses to provide the original or the clue of the original, and if there is no other material to prove it, and the other party refuses to admit it, it shall not be used as the basis for ascertaining the facts in the lawsuit.
2. if the client is a company, copies of the company's business license, organization code certificate, legal person certificate, etc. (stamped with the official seal of the company) shall also be provided.
3. witness testimony. The parties must choose the testimony of a witness who has no interest in themselves as evidence, and ensure that the witness can testify in court to facilitate the smooth trial of the court. The Supreme People's Court's Opinions on Several Issues Concerning the Implementation of Civil Policies and Laws stipulates that the confirmation of the loan-loan relationship should generally be based on the written receipt. If there is no written receipt, there must be an interested witness to prove it. It can be seen that the evidence effectiveness of witnesses is also the key to whether the parties can win the case.
4. recording. Audio-visual materials refer to the evidence to prove the true situation of a case by using images and sounds reflected by audio recordings, video recordings, compact discs, movie films, etc., as well as information stored in computers. With the development of the times and the improvement of the parties' awareness of proof, more and more audio-visual materials are adopted by the parties. For example, mobile phone recording, MP3 recording, recorder recording, etc.
question 6: what should I do if I don't give money to those who buy goods on credit? I have to go to his house.
question 7: I run a small rice-flour grain and oil store, and there are consumers who buy goods on credit. How can I write an iou?
I bought it today, and the rice-flour grain and oil store does * * * does, and the RMB does not pay.
Creditor:
Date:
Question 8: What does "short" mean in finance? Short selling refers to selling a certain underlying asset. Such as selling stocks, selling dollars, selling wheat, selling oil futures contracts and so on. It can also be selling some risk factors, such as the stock index.
question 9: what do you mean by shorting? What principle? Hello!
shorting is just the opposite of going long. Going long means buying at a low price, while going high means selling. And shorting is selling at a high price and buying at a lower price.
For example, I have 1, stocks, and I am bearish on the market outlook. At this time, I am also afraid that the stock is at a high level. For example, the price was 1 yuan at that time, and I filled in the current price, and then the market went down in waves. At the close of the market, the stock price was 9.2 yuan, and I successfully bought it (the net profit today was close to 8 yuan). If the stock price opened 9.5 yuan higher the next day, I would sell it again, and the closing price was 8.8 yuan. (I made a net profit of nearly 7 the next day), which is short.
question 1: what do you mean by shorting? Short selling, also known as short selling, short selling (in Hong Kong) and short selling (in Singapore and Malaysia) is an investment term for stocks and futures, and it is also an operation mode for stocks and futures markets. In contrast to bulls, in theory, it is to borrow goods and sell them first, and then buy and return them. Short selling refers to selling the stocks at the current price in anticipation of the future market decline, and buying them after the market falls to obtain the difference profit. Its trading behavior is characterized by selling first and then buying. In fact, it is a bit like the credit trading mode in business. This model can make a profit in the band of falling prices, that is, first borrow goods at a high level and sell them, and then buy and return them after falling. For example, if a stock is expected to fall in the future, it will be borrowed and sold when the current price is high (the actual transaction is to buy a bearish contract), and then it will be bought when the stock price falls to a certain extent and returned to the seller at the current price. The difference is profit.
Chinese name: short
mbth: Short sale.