1, different fees

Take more service fees and nominal prices from direct loans. The service fee is the rental amount multiplied by the service rate, and the nominal price is the rental amount multiplied by the nominal rate. The service fee will be charged in one lump sum at the initial stage of project implementation, and it will be about 1% per year.

At the end of the project, only 0.5 ~ 1% of the lease amount will be charged. And if the customer chain is bright, the nominal price can be changed to one yuan according to the company.

2. The amount and term are different.

Due to the influence of national macro-control and the central bank's credit policy, the loan amount is limited. The amount of financial lease is mainly determined according to the value of fixed assets, and the amount is within one year, while the term of financial lease is longer.

3. Procedures and thresholds are different.

Direct loans are mainly one-time loans, and one-time repayment will face great financial pressure. Financial leasing can be based on the borrower's capital bank, and there are many loan approval procedures. The credit review of pre-approval time is relatively simple, because it is a wide financing shed, saving processing time.

Second, the difference between financing and loans.

Generally speaking, loan is a way of financing, and financing is one of the forms of loan fund transfer. Loan is a general term for a series of capital transfer methods. Financing can also be carried out from some non-loan channels, including but not limited to bonds, listing, private equity financing and other forms. Loans can also be lent to individuals, families and other non-enterprise entities. From the concept of financing, loan is a kind of financing method, which belongs to indirect financing. With banks as the intermediate channel, investors want to borrow money from banks and pay interest to them. Strictly speaking, financing is actually financing, that is, raising funds directly in the market through the securities market. There is no intermediate channel, so it is a direct market-oriented financing behavior. The most essential difference between the two is that loans are liabilities and financing is capital. What we know about mortgage is the specific operation requirement of loan, which has little to do with financing. What does financing loan mean? Different people have different views on the understanding of conceptual knowledge. Financing loan is actually a way for enterprises or individuals to raise funds. Instead of issuing bonds or stocks, they apply for loans from lending institutions to achieve financing. There are three common financing methods in our life: credit loan, secured loan and mortgage loan. At the same time, it is also the three most common financing methods in financial common sense. Among them, credit loan is to apply for a loan from a bank by virtue of personal reputation and assets, and mortgage loan is to apply for a loan with property ownership as repayment guarantee. In a narrow sense, financing is the behavior and process of raising funds for enterprises. Broadly speaking, financing is also called finance, that is, the financing of monetary funds, and the behavior of the parties to raise funds in the financial market through various means. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

3. What is the difference between financing and loan?

Financing refers to a business activity in which enterprises raise funds from financial institutions or financial intermediaries by various means; Secondly, the essence of mining right management is mining right financing and mining development; Third, it refers to the activities of direct or indirect financing between the holders and demanders of monetary funds; The adjustment and accommodation of monetary funds is an effective way and means to adjust the surplus and deficiency between social and economic subjects under the condition of socialized mass production; Financing in a broad sense refers to an economic behavior in which funds flow between holders to make up for the shortage. This is a two-way interactive process of funds, including the integration of funds (source of funds) and the withdrawal of funds (use of funds).

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

4. What is the difference between financing and loan?

One is a formal speech and the other is a popular speech! The literal meaning of a loan is clear: interest and repayment. Financing can be divided into narrow sense and broad sense, and the narrow sense is loan; Broadly speaking, it is similar to investment and shareholding. , financing listed, or simply merge some funds listed ... and so on, financing is very subdivided!