financingcurrentassets(英文版)-資料下載頁
2025-02-16 20:42本頁面
【正文】 s reserved. Installment Loan To find the EAR, recognize that the firm has received $100,000 and must make monthly payments of $9,000. This constitutes an ordinary annuity as shown below: 9,000 100,000 0 1 12 i = ? 9,000 9,000 Months 2 ... 17 28 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 12 100000 9000 % = rate per month 0 kNom = APR = ()(12) = %. EAR = ()12 1 = %. NOM enters nom rate 12 P/YR enters 12 pmts/yr EFF% = = %. 1 P/YR to reset calculator. N PV I/YR FV PMT INPUTS OUTPUT 17 29 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. What is a secured loan? ?In a secured loan, the borrower pledges assets as collateral for the loan. ?For shortterm loans, the most monly pledged assets are receivables and inventories. Securities are great collateral, but generally not available. 17 30 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. What are the differences between pledging and factoring receivables? ?If receivables are pledged, the lender has recourse against both the original buyer of the goods and the borrower. ?When receivables are factored, they are generally sold, and the buyer (lender) has no recourse to the borrower. 17 31 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. What are three forms of inventory financing? ?Blanket lien. ?Trust receipt. ?Warehouse receipt. ?The form used depends on the type of inventory and situation at hand. 17 32 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. Legal stuff is vital. ?Security agreement: Standard form under Uniform Commercial Code. Describes when lender can claim collateral. ?UCC Form1: Filed with Secretary of State to establish claim. Future lenders do search, won’t lend if prior UCC1 is on file. 17 33 Copyright 169。 2023 by Harcourt, Inc. All rights reserved. 演講完畢，謝謝觀看！
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