短期融资及设备融资风险管理.pptVIP

引言 Introduction 引言 Introduction 数据二：直接融资额与间接融资额的比较 Data II: Comparing of the value of direct financing and indirect financing 引言 Introduction 数据分析 Data Analysis 能直接融资的企业仍为少数，大多数企业需依赖自有资金及银行融资 Few enterprises are able to finance directly. Most of the enterprises depends on owned-capital and bank financing. 直接融资比例虽有所提高，但间接融资仍居于主导地位。 Though the percentage of direct financing increased, indirect financing still occupies a leading position. 引言 Introduction 第一部分 国内短期融资主要品种Part I The Varieties of Domestic Short-term Financing Products 不基于单笔贸易的短期融资品种 The varieties of short-term financing products based on non-single trade transaction 营运资金贷款 Working capital loan 周转限额贷款 Revolving line of credit loan 临时贷款 Temporary loan 搭桥贷款 Bridge loan 贷款承诺 Loan commitment 第一部分 国内短期融资主要品种Part I The Varieties of Domestic Short-term Financing Products 1、营运资金贷款 1. Working capital loan 满足借款人日常经营中合理的连续使用需求 The borrower uses for normal business operations or to meet continuous need for capital 未来综合收益和其他合法收入等作为还款来源 Future income and other legal income are the resources for repayment. 可采用循环贷款方式，一次签约、多次提款、逐笔归还，循环使用 It could be revolving loans. Sign contract once, draw down several times, repayment by transactions. 第一部分 国内短期融资主要品种Part I The Varieties of Domestic Short-term Financing Products 2、周转限额贷款 2. revolving line of credit loan 满足借款人日常经营中确定产品用途项下的资金短缺需求 Finance confirmed products in normal operation when borrower are short of capital 以约定的、可预见的经营收入作为还款来源 The agreed predicted operating income is the repayment resource. 3、临时贷款 3. Temporary loan 满足季节性或临时性的资金需求 To finance the seasonal or temporary capital needs. 依据订单组织备货和生产 Preparing the material and production according to the order. 以对应的产品（商品）销售收入和其他合法收入等作为还款来源 The sales of relevant products and other legal income are the repayment resources. 　　 第一部分 国内短期融资主要品种Part I The Varieties of Domestic Short-term Financing Products 4、搭桥贷款 4. Bridge loan 满足阶段性的资金需求 To finance the interim cap