1. For the enterprise itself, enterprise loans can provide rich financial support and better reserve raw materials. Sell your own products and expand the scale of production. Win a bigger market. For enterprises with cash flow difficulties, the greatest significance of loans is to ease the current economic pressure of enterprises and help them tide over the difficulties.
2. Loans can also supplement the cash flow of enterprises. In fact, cash flow will be much more important than profit for investment and the overall operation of enterprises. Just like many companies have no profits, or even if the book losses are serious, as long as the cash flow is sufficient at this time, enterprises can still survive normally. On the other hand, even if the profits on the books of an enterprise are high, its cash flow is seriously insufficient, and the enterprise may not survive at this time.
3. There are two kinds of common loans:
(1) Commercial loan: calculation formula of equal principal and interest: 2,356.78 yuan per month; The calculation formula of average capital: the first month's repayment is 28,965,438 yuan +0.67 yuan, and then the monthly reduction is about 6.8 yuan RMB.
(2) Provident fund loan: equal principal and interest: 265,438+008.0438+0 yuan RMB per month; Average capital: RMB 2,479,438+07 will be paid in the first month, and RMB 4.5 yuan will be increased every month thereafter.
1. In China, listed companies are divided into China companies listed on China Stock Exchange and Shenzhen Stock Exchange; Chinese mainland companies (such as Hongkong Stock Exchange, new york Stock Exchange, Nasdaq Stock Exchange, London Stock Exchange, etc. ) that is, direct access to the China Stock Exchange, indirect establishment of offshore companies by China companies and listing of listed companies on overseas stock exchanges.
2. Listing refers to the term of the stock market. In a narrow sense, initial public offering (IPO) refers to the process in which a company first issues additional shares to investors through a stock exchange to raise funds for its development. When a large number of investors subscribe for new shares, they need to draw lots, that is, draw new shares. Investors who subscribe hope to sell at a price higher than the subscription price.
3. Listing rules have the following requirements for stock issuance and listing: the first-level access condition is the listing condition. That is, innovative listed companies listed on the New Third Board 12 months or more meet the listing conditions such as expected market value and financial standards, and are registered by the China Securities Regulatory Commission and listed on the Beijing Stock Exchange. For the public offering of unqualified investors, the proportion of listed shareholders meets the corresponding requirements.