ch財(cái)務(wù)融資計(jì)劃ppt課件(參考版)
2025-01-11 15:58本頁面
【正文】 ? 個(gè)人財(cái)務(wù)報(bào)表 Personal financial statements ?The borrower’s personal worth (assets – debts) and estimated annual ine個(gè)人凈資產(chǎn) (凈資產(chǎn)：資產(chǎn) —負(fù)債 )和 預(yù)計(jì)年收入。 四、財(cái)務(wù)規(guī)劃 財(cái)務(wù)規(guī)劃需要回答下列問題： ?在一個(gè)特定的經(jīng)營階段 (一般是一個(gè)季度、半年或一年的時(shí)間段 )，企業(yè)需要什么資金？ ?企業(yè)什么時(shí)候需要更多的資金？ ?企業(yè)在哪里得到必要的資金？ 第三個(gè)問題：從哪里獲得錢？ ?資本融資主要來源是個(gè)人儲(chǔ)蓄、親戚朋友、社區(qū)的私人投資者、大公司、風(fēng)險(xiǎn)資本家、公開資本市場(chǎng)的股票出售 (上市發(fā)行股票 )；債務(wù)融資的主要來源是個(gè)人投資者、企業(yè)供應(yīng)商、以資產(chǎn)為基礎(chǔ)的債權(quán)人、商業(yè)銀行、政府贊助計(jì)劃、以社區(qū)為基礎(chǔ)的金融機(jī)構(gòu) Sources of Funds Figure 81 第四個(gè)問題：融資中還應(yīng)該注意哪些問題？ ?一、與投資者建立關(guān)系 ?二、了解銀行的觀點(diǎn) ?三、如何向親戚和朋友借錢 ? 四、各種融資渠道綜合使用 The Banker’s Perspective 銀行家的觀點(diǎn) ? 銀行家關(guān)注 Bankers’ Concerns ?How much the bank will earn on the loan? ?What is the likelihood（ 可能性） that the lender will be able to repay the loan? ? 5C信貸條件 The Five Cs of Credit ?債務(wù)人的品質(zhì) Character of the borrower ?債務(wù)人償還貸款的能力 Capacity of the borrower to repay the loan ?債務(wù)人在企業(yè)投資的資本 Capital invested in the venture by the borrower ?行業(yè)與經(jīng)濟(jì)環(huán)境 Conditions of the industry and economy ?可用來擔(dān)保貸款的抵押 Collateral available to secure the loan Questions Lenders Ask 銀行家在貸款前要問的問題 ?管理團(tuán)隊(duì)的優(yōu)勢(shì)和資格是什么 What are the strengths and qualities of the management team? ?企業(yè)財(cái)務(wù)狀況如何 How has the firm performed financially? ?需要多少資金 How much money is needed? ?企業(yè)用這筆資金做什么 What is the venture going to do with the money? ?什么時(shí)候需要資金 When is the money needed? ?什么時(shí)候、如何償還貸款 When and how will the money be paid back? ?債務(wù)人有優(yōu)秀的公共會(huì)計(jì)師和律師嗎 ?Does the borrower have qualified support people, such as a good public accountant and lawyer? ?債務(wù)人已有銀行關(guān)系了嗎 ?Does the borrower already have a banking relationship? 銀行貸款需要的財(cái)務(wù)信息 Financial Information Required for a Bank Loan ? 企業(yè) 3年的歷史
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