Items can be liquidity demand, fixed assets investment demand, specific payment demand, debt repayment demand, etc. There are many people in this world who want to borrow money. After finding the project, understand the three needs of the financier: the time needed, the time limit and the amount of funds. Then, according to the borrower's industry and current regulatory policies, several financing methods that can meet his needs are roughly determined.

Second, judge the solvency of the financier.

This is very complicated and needs long-term experience and rich knowledge to judge. I will try my best to share what I know with you. I am used to dividing the solvency into two types according to the repayment sources, one is the cash flow from continuous operation, and the other is the cash obtained from the realization of assets. The former's solvency can come from operating a single asset, from the borrower's comprehensive profitability, or from some kind of equity. The latter often comes from the second repayment source such as collateral or joint and several liability guarantor.

Third, complete the product design.

Through a series of technical analysis, hypothesis, evaluation and calculation, the above matters are analyzed and the debt is repaid to the financing party.

The ability to make judgments requires determining the following:

1 financing cost.

It is certain that the risk determines the return. Determining the cost with customers is a very important bargaining process.

2 source of funds. Consider what kind of capital investment to use according to financing cost, term and risk. As a bank, this

There are three kinds of funds:

Deposits and self-owned funds. Off-balance sheet funds. These three funds have different costs and can be invested in different fields.

Only deposits can be used to issue loans, and self-owned funds need to be bound by laws such as the Commercial Bank Law, while off-balance-sheet funds are restricted by factors such as industry investment and the quota of non-standard products. After determining the funds, you need to fully consider your financing ability and find a balance point (this will be discussed later).

3 transaction structure. After selecting the source of funds, we began to determine the transaction structure. First, pack and prepare enough cash flow.

Second source of repayment. Then find a suitable channel to launch fundraising. It is very important to determine the costs of all parties. The more agencies you handle, the more fees you have to pay. After the transaction structure is selected, the basic design of the product is completed, and after passing the legal review, you can start raising funds or invest the funds already raised. In reality, investors will have various needs, so after the product design is completed, some modifications may be made. The above is just an ideal situation.

Financial products ([1] financial products) refer to various carriers in the financing process, including currency, gold, foreign exchange, securities, etc. In other words, these financial products are the trading objects in the financial market. The supply and demand sides form the price of financial products, such as interest rate or yield, through the principle of market competition, and finally complete the transaction to achieve the purpose of financing. Such as stocks, futures, options and insurance policies are all financial assets, also known as financial instruments and securities.

Finance at least looks intangible, changeable, complex, colorful and messy, so the division of financial products is also diverse:

First of all, financial development is gradual, so financial products can be divided into two categories: basic securities such as stocks and bonds and derivative (advanced) securities such as futures and options. Secondly, according to the ownership attribute, financial products can be divided into two categories: property products such as stocks, options and warrants, and debt products such as national debt and bank credit products. The former is the relationship between property rights and the latter is the relationship between creditor's rights. Furthermore, according to the expected income, wealth management products can be divided into stocks, options, funds and other non-fixed income products. And various fixed (also called structured) products such as bonds and credit products. Finally, financial products can be divided into short-term products, long-term products, low-risk products, high-risk products, currency (market) products and capital (market) products according to the length of time, risk degree and trading place.