英国布拉德福德大学（University of Bradford）:ID4246M商务财经讲座12之短期融资

Lecture  12 – Short term finance
第12讲 - 短期融资

ID4246M Business Finance
Dr V G Fitzsimons
University of Bradford

ID4246M商务财经
V G菲茨西蒙斯博士
布拉德福德大学

Short-term and medium-term finance
短期和中期融资

• The bank overdraft and the bank term loan
银行透支和银行短期贷款
• Trade credit
贸易信贷
• The different services offered by a factoring firm
由保理公司提供不同的服务，
• The relative merits of hire purchase and leasing
租购及租赁的相对优点
• Bills of exchange and bank bills
票据交换和银行承兑汇票
http://ukthesis.org/gjswglzy

The main forms of short-term and medium-term finance
短期和中期融资的主要形式

Bank sources
银行来源

• Overdraft
透支
– An overdraft is a permit to overdraw on an account up to a stated limit
支的帐户上透支许可证一个规定的限制
• Advantages of overdrafts
透支的优点
– 1 Flexibility
柔韧性
– 2 Cheapness
便宜
• Drawbacks of an overdraft
透支的缺点
– The bank retains the right to withdraw the facility at short notice
银行保留在短时间内权利撤回设施
– Security
安全

Bank borrowing
银行借款

• Conditions of lending
贷款条件
– 1 Cash flow projections
现金流量预测
– 2 Creditworthiness
好信誉
– 3 The amount that the borrower is prepared to put into the project
借款人准备投产项目金额
– 4 Security
安全

Fruit Growers plc
水果种植者有限公司

The interest on both loan or overdraft would be 10 percent per year or 2.5 per cent per quarter
贷款或透支的利息将每年10％或每季度的2.5％

 

Exhibit 12.4  Monthly cash flow balance for Fruit Growers plc
图表12.4每月现金流量平衡水果种植者有限公司

Fruit Growers plc
水果种植者有限公司


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