摘要
从企业取得资金的权益特性不同,企业的融资有两大途径——债务融资和股权融资,而低成本高效率的债务融资往往是首选。作为债务融资的四种主要途径——银行贷款、民间借贷、小额贷款公司贷款、发行债券各有利弊、互为补充,相关的法律规制需在贷款程序、兜底性条款、经营贷款业务、融资主体、分类方式等内容方面予以完善,以确保企业债务融资的规范、安全、高效。
According to different characteristics of rights and interests of funds obtained by enterprises, corporate financing has two ways-debt financing and equity financing, and debt financing with low cost and high efficiency is often preferred. As the four main ways of debt financing-bank loans, private lending, small loan company loans, issuance of bonds have both their advantages and disadvantages and are complementary to each other. Relevant legal regulations should be improved in terms of loan process, program, general provisions, business loan business, financing subject and content classification in order to ensure the standardization, safety and efficiency.
出处
《青岛农业大学学报（社会科学版）》
2012年第3期63-67,共5页
Journal of Qingdao Agricultural University(Social Science)
关键词
债务融资
银行贷款
民间借贷
小额贷款公司
企业债券
企业融资途径
法律规制
debt financing
bank loans
private lending
small loan company
corporate bonds
corporate financing channels
legal regulation
