The issue of financing of listed companies is a hot issue, and it is also a common and complex problem that listed companies encounter in the process of marketization.

So what is the financing method for enterprises?

Below I will unravel the financing methods of start-ups for everyone, I hope it can help you.

Financing methods for start-ups: The first is fund organizations, which use fake stocks and secret loans.

The so-called fake stock loan, as the name suggests, means that the investor invests in the project by taking shares but does not actually participate in the management of the project.

After a certain period of time, the shares will be withdrawn from the project.

This method is mostly used by foreign funds.

The disadvantage is that the operation cycle is long, and the company's shareholder structure and even the nature of the company must be changed.

There are many foreign funds, so if you invest in this way, the nature of the domestic company will be changed to a Sino-foreign joint venture.

The second financing method is bank acceptance.

The investor transfers a certain amount, such as 100 million yuan, to the project party's company account, and then immediately asks the bank to issue a bank acceptance of 100 million yuan.

The investor takes away the bank acceptance.

This method of financing is greatly beneficial to the investor, because he can actually use 100 million yuan several times.

He can take the bank acceptance of 100 million yuan and transfer it to a bank in another place for another 100 million yuan.

At least 80% discount can be achieved.

But the question is whether the bank can issue an acceptance of 100 million yuan if the company has 100 million yuan in its account.

It is likely that only 80% to 90% of the banks that issue the money will accept it.

Even if you issue a 100% bank acceptance, there is still a question of how much of the funds in the company account the bank allows you to use.

This depends on the level of the company and its relationship with the bank.

In addition, the biggest disadvantage of acceptance is that according to national regulations, bank acceptance can only be issued for a maximum of 12 months.

Now most places can only open for 6 months.

That means you have to renew your visa every 6 months or 1 year.

It will be troublesome if the payment takes a long time.

The third financing method is direct deposit.

This is the most difficult financing method to operate.

Because direct deposit itself is against bank regulations, the relationship between the company and the bank must be particularly good.

The investor opens an account at the bank designated by the project party and deposits the designated amount into his account.

Then sign an agreement with the bank.

Promise not to misappropriate the money within a specified period of time.

Based on this amount, the bank will provide the project party with a loan of less than or equal to the same amount.

Note: The commitment here is not a pledge to the bank.

I don't agree to use this money as a pledge.

What is agreed to be pledged is another financing method called large pledge deposit.

Of course, that financing method also has its violations of bank regulations.

It means that the bank needs to sign a letter of commitment guaranteeing payment and closing the position 30 days before expiration.

In fact, after he obtains this thing, he can take it to a bank elsewhere for refinancing.

The fourth financing method (the fourth is large pledged deposits) is a bank letter of credit.

The state has a policy that bank letters of credit issued by global commercial banks such as Citigroup that agree to finance enterprises are deemed to have deposits of the same amount in the enterprise's account.

In the past, many companies used this bank letter of credit to make money.

So now that the national policy has changed slightly, it is now difficult for domestic companies to use this method to raise funds.

Only foreign-owned enterprises and Sino-foreign joint ventures are allowed.

Therefore, if domestic enterprises want to use this method to raise funds, they must first change the nature of the enterprise.

The fifth financing method is entrusted loans.

The so-called entrusted loan means that the investor sets up a special account in the bank for the project party, then transfers the money to the special account, and entrusts the bank to lend money to the project party.

This is a relatively easy-to-operate form of financing.

Usually, the review of the project is not very strict, and the bank is required to make a commitment letter responsible for collecting interest and returning the principal to the project party every year.

Of course, those who do not repay the principal only need to promise to collect interest every year.

The sixth financing method is direct payment.

The so-called direct investment is direct investment.

This strict review of projects often requires mortgages or bank guarantees of fixed assets.

Interest rates are also relatively high.

Mostly short term.

The lowest I have come across is an annual interest rate of 18.

Generally it is above 20.

The seventh financing method is hedging funds.

There is a kind of entrusted loan on the market that does not repay principal or interest, which is a typical hedging fund.

The eighth financing method is loan guarantee.

Nowadays, there are many investment guarantee companies on the market. You only need to pay higher interest than bank interest to get the urgently needed funds.

Types of Financing for Initial Enterprises Financing can be divided into direct financing and indirect financing.

Direct financing is a financing activity conducted directly by governments, enterprises, institutions, and individuals as borrowers of last resort to lenders of last resort without the intermediary of financial institutions. The funds financed are directly used for production, investment, and consumption.

Indirect financing is a financing activity carried out by the borrower of last resort to the lender of last resort through the intermediary of financial institutions, such as enterprises financing from banks, trust companies, etc.

Bank loans: Banks are the main financing channel for enterprises.

According to the nature of funds, they are divided into three categories: working capital loans, fixed asset loans and special loans.

Special loans usually have specific purposes, and their loan interest rates are generally more favorable. The loans are divided into credit loans, guaranteed loans and bill discounts.