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Term loans
定期贷款
• A term loan is a loan of a fixed amount for an agreed time and on specified terms
商定的时间和指定的条款，以固定金额定期贷款是贷款
• Normally three to seven years
通常为三至七年
• Grace period
宽限期
• ‘Balloon’ payment
'气球'支付
• ‘Bullet’ repayment
'子弹'还款
• Drawdown arrangement
提款安排
• The interest charged on term loans can be at either fixed or floating rates
可以在固定或浮动利率长期贷款的利息
http://www.ukassignment.org/dxygassignment/
Small Firms Loan Guarantee (SFLG)
小企业贷款担保（SFLG）
• To encourage the banks to lend to small businesses with a workable business proposal, but lacking security
要鼓励银行向小企业放贷的一个可行的商业计划书，但缺乏安全性
• SFLG is a joint venture between the Department of Trade and Industry and approved lenders
SFLG是贸易和工业部批准的贷款人之间的合资企业
• 75 per cent of the value of SFLG loans to these companies are guaranteed to be paid from the SFLG fund should the company fail
75％的价值这些公司SFLG贷款保证支付从SFLG基金的公司应该失败
• Every business receiving a guarantee pays an extra 2 per cent interest on SFLG loans outstanding each year into the fund
每个业务受理担保支付额外2％权益对贷款余额SFLG每个基金今年进入
• Loans can be for any amount, with a minimum of £5,000
贷款可以为任何金额，最低5000英镑
• Maximum is £100,000 if the business is younger than two years and £250,000 if it has been trading successfully for two years
最大为100,000英镑如果业务是两岁以下250000英镑，如果它已被成功交易两年
• 2–10 years
• Sole traders and partnerships
独家交易商和伙伴关系
• There are a few restrictions
有一些限制
Trade credit
贸易信贷
• When goods or services are delivered to a firm they are not paid for immediately
当商品或服务交付给一家公司，他们都没有立即支付
• Supplier requires two references from other suppliers plus a reference from bankers
供应商需要从其他供应商的两个引用一个参考的加银行家
Trade credit example
贸易信贷举例
Trade credit
贸易信贷
• Advantages of trade credit
贸易信贷的优势
– 1 Convenient/informal/cheap
方便/非正式/便宜
– 2 Available to companies of any size
可供任何规模的公司
• Factors determining the terms of trade credit
确定贸易信贷方面的因素
– 1 Tradition within the industry
行业内的传统
– 2 Bargaining strength of the two parties
双方的谈判实力
– 3 Product type
产品类型
Factoring
保理业务
• 1 The provision of finance
提供融资
• 2 Sales ledger administration
销售台账管理
• 3 Credit insurance
信用保险
• Recourse and non-recourse
追索权和无追索权
• Invoice discounting
发票贴现
Stages in a factoring deal
在保理交易阶段
The hire purchase sequence
租购序列
Hire purchase: advantages
租购：优点
• 1 Small initial outlay
小的初始费用
• 2 Easy and quick to arrange
容易和迅速安排
• 3 Certainty
确定性
• 4 HP is often available when other sources of finance are not
当其他融资来源没有是HP通常是可用的
• 5 Fixed-rate finance
固定利率融资
• 6 Tax relief
税收减免
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