银行贷款融资

第三章从股权融资，OTC市场融资和银行贷款融资的角度研究台湾地区中小企业的融资问题。

The third chapter chooses the stock financing , OTC market financing and bank financing to study the problem of the Small-medium sized enterprises in Taiwan .

但是，随着我国金融改革的不断深入，企业取得银行贷款融资的门槛不断增高。

But with the development of reformation in finance , enterprises meet difficulty to get bank loan .

这些事实说明，取得银行贷款融资对我国企业的发展至关重要。

These facts mean that , to get bank loan is the essential need of enterprises ' managing .

典型的解放油罐车购买过程中包括了一个在新加坡银行贷款融资购买。

The typical car buying process in Singapore involves taking out a bank loan to finance the purchase .

相对股票发行而言，银行贷款融资成本低、可利用财务杠杆和保障股东控制权。

Compared with stock issue , bank loans cost is lower . Enterprises can make use of financial leverage .

那些建议包括：开发本币债券市场，减轻对银行贷款融资的依赖。

They included the need to develop local currency bond markets and reduce dependency on banks for loan financing .

房地产业需要新的融资渠道，如信托、基金、债券等取代传统的银行贷款融资模式。

New financing channels are required in real estate . Fiduciary 、 investment fund and bond have been gradually replacing traditional bank loan .

银行贷款融资具有筹资速度快、借款弹性好、可以发挥财务杠杆作用的特征，成为我国公司最常用的融资方式。

Bank loan is characterized as fast , stretch financing , and role of financing Leverage . So it becomes the most used financing channel .

银行贷款融资成本比企业债券高，但是，可以随用随贷，减少利息支出；

The cost of bank loan is much higher than that of enterprise bonds . But you can get loan when you need with low interest .

本文从介绍应收账款、应收账款质押的含义为切入，分析了我国中小企业的融资困境，再进一步揭示出我国中小企业以应收账款质押获得商业银行贷款融资的可行性。

Then it analyzes the financing difficulties of SME in our country and further reveals the feasibility of the development of the account receivable pledged finance business in commercial banks .

从中分析得出中国企业不同一般的或者股权融资偏好，或者债权融资中的银行贷款融资偏好。

From the analysis we can conclude at last that some Chinese corporations prefer to equity financing , some others prefer to bank credit financing being part of debt financing .

目前房地产公司可通过银行贷款融资、加强整合或合作开发融资、信托融资与预售房屋融资等解决融资问题。

At present real estate company can solve financing by bank loan financing , strengthening the conformity or cooperation to develop financing , trust financing and financing of selling in advance .

对于长期债券而言，收益率并不是非常重要，因为公司和家庭投资者倾向于更高利率的银行贷款融资，而不是通过债券来实现融资需求。

At the long end , yields do not mean much , as corporates and households tend to fund themselves at much higher interest rates through bank loans , rather than bonds .

股票质押贷款是指股票持有人在需要借入短期资金时，把所持有股票作为质押品而从商业银行贷款融资的行为。

The stock mortgage refers to the behavior that stock possessor takes the stock as the nature security from the commercial bank loan financing when needs to borrow into the short-term fund .

融资机制不健全，表现在政府对科技的投入力度不大、银行贷款融资渠道不通畅、股票市场融资能力弱和风险投资机制不完善。

Secondly , financing mechanism is not perfect , government investment in science and technology is little , bank financing is not smooth , stock market financing is weak , risk investment mechanism is not perfect .

结论显示，独立董事比例、董事长和总经理是否兼任、国有股比例、第一大股东持股比例、大股东占款对新增银行贷款融资总量和新增银行贷款融资成本具有显著影响。

The regressions show that rind ( ratio of independent director ), president doubles general manager , the greatest shareholders , state - owned share - holding rate and capital occupation of big shareholders have influence on bank loan amount and cost .

随着近年来高校在校生人数急剧增加，为了满足扩招带来的巨大资金需求，各公立高校纷纷寻求向商业银行贷款融资以解决自身的发展问题。

With rapidly increasing numbers of students in recent years , public high schools try to acquire the loan from commercial bank to resolve the development in higher education system in order to meet this need for huge amounts of fund caused by increase enrollment .

风险投资可以作为上市融资和银行贷款融资的补充渠道，通过参与中小企业的经营管理，可以降低投融资双方的信息不对称问题，从而缓解中小企业融资难问题。

First of all , this theory can be proved as a listed venture capital financing and bank loan financing supplementary channels . Second , through participation in the management of SMEs can reduce both investment and financing problem of asymmetric information , thus mitigating the problem of financing SMEs .

龙滩水电站工程80%的建设资金来源于银行贷款，融资费用较高。因此，必须优化债务结构，减少利息支出；

More than 80 % construction funds for the Longtan Hydropower Project is loaned from the Banks so that its financing cost is relative high .

在美国，80%的企业通过资本市场、而非老式的银行贷款来融资，而80%的欧洲企业则通过银行贷款来融资。

There , 80 per cent of companies finance themselves via the capital markets rather than the old-fashioned bank borrowing used by 80 per cent of European companies .

结果公立医院对社会资本引入的尝试，已形成了一些具有若干特点的融资模式，如银行贷款、融资租赁、慈善捐赠等。

Results The attempt of introducing social capital in public hospitals has formed several financing models with a number of characteristics , such as bank loans , financial leasing , charitable donations .

接着，从银行与贷款融资企业之间的关系出发研究目前贷款利率的确定方法，剖析贷款利率确定方法存在的问题，并给出解决的对策。

Next , according to the relationship between the bank and the financing enterprise , this paper studies the loan rate , analyses the problems existing in deciding the loan rate and presents some suggestions .

为了解决目前我国房地产融资主要依赖银行贷款、融资结构不合理、融资体系不健全等问题，我国房地产企业、政府部门以及金融机构都应采取相应措施。

In order to solve the problems of irrational financing structure and the distemperedness of financing systems and high dependency on bank loans , the real state enterprises and the government organs and the financial institution should take some measures .

目前合川区农村基础设施建设除上级补助资金和本级财政投入外，主要依靠商业银行贷款，融资成本高，规模小，不能满足对资金的需要。

At present , Hechuan area of rural infrastructure in addition to the higher level of the grant funds and financial investment , mainly depend on commercial bank loans , high financing costs , small scale , can not meet the funding needs .

目前政府自己来源主要靠地方财政收入和银行贷款，融资渠道单一，特别是当前监管部门对地方融资平台的风险日益关注，为地方政府融资戴上了紧箍咒。

Now depends mainly on their own local government revenues and bank loans , financing a single channel , in particular , the current regulatory platform for the risk of local financing the growing concern of local government financing put a magic spell .

但与此同时也出现了房地产融资主要依靠银行贷款、融资结构不合理等问题，这对我国房地产企业、金融体系以及我国宏观经济都有十分不利的影响。

However , it also met some problems , such as the real estate financing were mainly financed by bank loans and the financing structure was irrational and so on . These make adverse effects to Real Estate Industry and financial industry and national economy in China .

因为不能再从银行贷款，外界融资渠道也在2008年中断了。

Outside financing was brutally killed in 2008 , as banks stopped lending .

而外部融资一般分为银行贷款、债券融资和股权融资。

And external financing is generally divided into bank loans , bond financing and equity financing .

银行贷款与债券融资

Bank Loans and Bond Financing

相对于传统的依靠政府投资和银行贷款，项目融资具有巨大的优势。

With respect to the traditional reliance on government investment and bank loans , project financing has great advantages .