Current location - Plastic Surgery and Aesthetics Network - Jewelry brand - Financing failed, do you want to pay back the money?
Financing failed, do you want to pay back the money?
There is no need to follow the procedure for failure after financing, and the risk is borne separately. But this is not the case in reality. People who invest after failure will chase after money.

Financing is an enterprise's fund-raising behavior and process, that is to say, according to its own production and operation status, capital ownership status and the needs of the company's future business development, the company adopts certain methods to raise funds from investors and creditors of the company through certain channels and organize the supply of funds to ensure the normal production needs and business activities of the company.

Characteristics of indirect financing:

1. Indirect

In indirect financing, there is no direct loan relationship between the demander and the initial provider of funds; Financial intermediaries act as a bridge between capital demanders and initial suppliers. The initial fund suppliers and fund demanders only had financing relations with financial intermediaries.

Step 2 focus

Indirect financing is carried out through financial intermediaries. In most cases, financial intermediary is not a one-to-one intermediary between a certain fund supplier and a certain fund demander; But on the one hand, facing the comprehensive intermediary of fund suppliers, on the other hand, we can see that financial institutions have the status and role of financing center in indirect financing.

3. Difference

Because indirect financing is relatively concentrated in financial institutions, the management of financial institutions is generally strict in all countries of the world, and the management of financial institutions themselves is mostly bound by the corresponding prudent management principles. In addition, some countries have implemented deposit insurance systems. Therefore, compared with direct financing, indirect financing is more credible, less risky and more stable.

4. Reversibility

Indirect financing through financial intermediaries belongs to loan financing, and it must be repaid and interest paid at maturity, which is reversible.

go a long way

In indirect financing, funds are mainly concentrated in financial institutions, which are not determined by the initial fund providers, but by financial institutions.

Financing method:

1. Bank

Bank loan is called the "reservoir" of risk financing. Because banks have strong financial resources and most of them have government background, they have a "mass base".

2. Financing platform

Because it is difficult to obtain financing from banks, the third-party financing platform is a good choice for financiers. For example, the investment and financing community, the largest third-party financing platform in China, provides more professional investment and financing information services.

3. Credit card

With the innovation of commercial banking, the settlement method of credit card is becoming increasingly electronic. Credit cards are not only fashionable, but also feasible for people engaged in business to obtain certain funds through credit cards when they are in urgent need of turnover.

4. Policy Commitment

Does the policy pledge insurance company "lend" funds to the insurer? Many people may be surprised, but this kind of business does appear. If the applicant is in financial difficulties or in urgent need of capital turnover, he can pledge his policy to the insurance company and obtain loans from the insurance company in accordance with relevant regulations and proportions.

5. Pawnshop

Pawning may be the most vital industry since ancient times. Obtaining funds through pawn shops is gradually becoming familiar to the people. Gold, jewelry, home appliances, real estate, motor vehicles, etc. Can be pawned, securities can be pledged.

6. Entrusted loan

Entrusted loans are also a way to solve personal capital needs. To put it simply, the fund provider lends money to the demander through a commercial bank, and the borrower returns the principal and interest to the account opened by the other party in the bank on time, and the interest rate rises by 30% on the basis of the loan interest rate of the People's Bank of China for the same period, which is determined by both parties through consultation.