Any is financing Says from the narrow sense, financing is an enterprise's fund collection behavior and the process.Also is the company according to the condition which own production management condition, the fund have, as well as the company will future manage the need to develop, through the science forecast and the decision-making, will select certain method, will collect the fund from certain channel to company's investors and the creditor, the organization fund supply, guaranteed the company regular production need, management and operation will need to manage finances the behavior.The company collects the fund the motive to be supposed to follow certain principle, carries on through certain channel and certain way.We usually say, the enterprise collects the fund nothing but has three big goals: The enterprise must expand, the enterprise needs to repay a debt as well as mixes the motive (expansion with to repay a debt mixes in together motive). Broadly says, financing also calls the finance, is monetary fund allowing temporary credit, the litigant raises or the loaning out fund behavior through each way to the money market in.Looked from the modern economy development condition that, took the enterprise needed formerly any time was all more profound than, understood the financial knowledge, the understanding financial organ, the understanding money market comprehensively, because enterprise's development could not leave financial the support, the enterprise must have to do with it.In 1991 Comrade Deng Xiaoping inspected when Shanghai pointed out that,“The finance is very important, was the modern economy core, the finance has done well, a chess lived, overall all lived.” People's Bank of China President Dai Bailong edited one "Leading cadre Finance Knowledge Textbook", General Secretary Jiang Zemin has made the comment on writing: “I hoped all levels of party politics the leading cadre and general head of undertaking the cadre, all must study some financial elementary knowledge.” General Secretary Jiang added that,“How utilizes financial this economical release lever, is a very big knowledge.” This makes clear us, if did not understand the financial knowledge, does not study the financial knowledge, the achievement does the economy the leading cadre not to be competent for the post, is not also competent for the post as enterprise's leaders.Therefore, I want to introduce briefly some financial the elementary knowledge, studies together with everybody.The financial knowledge primary coverage includes: Financial organ, financial service, money market, financial regulation, financial supervising and managing. Financing way: The first kind is the fund organization, the method is the vacation stock dark loan.But the so-called vacation stock dark loan is as the name suggests throws the way which the capital buys stock to the project to carry on the investment not to participate in the project actually the management.On has removed the stock to certain time from the project.This way many uses for the overseas fund.The shortcoming is the operating cycle is long, moreover must change the company the shareholder structure even to have to change the company the nature.The overseas fund quite are many, therefore must change the Chinese-foreign joint venture by this way investment speech native corporation's nature. The second financing way is bank acceptance.Will throw the capital certain amount for instance 100,000,000 to project on the project side in the company account, then will request the bank to start out 100,000,000 Yuan bank acceptances immediately to come out.Throws the capital to take away bank acceptance.This financing way to throws capital big advantageous, because he in fact changes 100,000,000 Yuan does several times to use.He may take that 100,000,000 Yuan bank acceptance other places the bank to paste 100,000,000 Yuan to come out again.Can at least the discount 80%.Whether but is the question in the company account has 100,000,000 Yuan banks to start out 100,000,000 Yuan accepting.Very possible only then to start out 80% to come out to 90% bank acceptance.Is starts out 100% bank acceptance to come out, in that company account fund bank allows you to use how many question.This had to look at the company the rank and with the bank relations.Moreover accepts a biggest shortcoming is according to the national stipulation, bank acceptance are most only can open for 12 month-long.Now the majority of places all only can open for 6 month-long.Also is every 6 months or 1 year you must continue bamboo slip one time.The expenses time long speech is very troublesome. The third financing way is the straight deposit.This the financing way which is most difficult to operate.Because makes straight deposit itself is violates the bank the stipulation, must the enterprise be specially good only then good with the bank relations.From throws the capital to open an account to the project side authorized bank, will assign the amount to save own account.Then evaluates an agreement with the bank.Pledged this money does not divert in the stipulation time.The bank acts according to this amount to be smaller than for the project side is equal to same level amount the loan.Note: Here pledge is not carries on to the bank pawns.Did not agree takes this money to carry on pawns.The agreement pawns is another kind of financing way named large quantity pawns the deposit.Certainly, that financing way also has it to violate the bank stipulation the place.Before is needs the bank to sign a guarantee to expire the letter of undertaking which 30 days collections levels.After in fact he attains this thing may attain other places the bank to carry on loans again. The fifth financing way (fourth kind is large quantity pawns deposit) is the bank letter of credit.The country had the policy and so on the agreement which started out the financing bank letter of credit to regard regarding the global commercial bank like American flag to the enterprise with already had the same level amount deposit in the enterprise account.In the past very many enterprises carried on the circle money with this bank letter of credit.Therefore the present country policy has carried on the slightly change, the domestic enterprise very was difficult to use this means now to carry on again finances.Only then the overseas sole ownership and the Chinese-foreign joint venture enterprise only then may.Therefore the domestic enterprise wants with this method to carry on financing the speech first to have to change the enterprise the nature. The sixth financing way entrusts the loan.The so-called request loan is throws the capital to set up a special fund account in the bank for the project side, then projects on the money inside the special fund account, entrusts bank loan to give the project side.This is the quite good operation one kind of financing form.Usually to the project examination is not very strict, requests the bank to make to the project side is responsible for every year receive on another's behalf the interest and pursue also the capital letter of undertaking.Certainly, does not repay principal only needs to pledge every year receives on another's behalf the interest. The seventh financing way is seeks a secret understanding with the enemy straight.So-called seeks a secret understanding with the enemy is the direct investment straight.This is very strict to the project examination often requests the fixed asset the mortgage or the bank credit.Interest also relative high.Many is the short-term.Individual contacts lowest is the annual interest 18.Generally all above 20. The eighth financing way is to flushes the fund.Now in the market condition has the request loan which one kind does not repay principal does not pay interests is typical to flushes the fund.