A 篇 種子期企業(yè)金融知識
創(chuàng)業(yè)與融資.................................................................................................................... 2
創(chuàng)業(yè)方式與融資的有何關系？............................................................................3
常見創(chuàng)業(yè)方式有哪些？..........................................................................................4
怎樣選擇創(chuàng)業(yè)方式 ？............................................................................................7
創(chuàng)業(yè)項目與創(chuàng)業(yè)資本 ................................................................................................8
如何選擇創(chuàng)業(yè)項目？..............................................................................................8
創(chuàng)業(yè)項目評估方法？..............................................................................................10
怎樣確定創(chuàng)業(yè)資本？..............................................................................................11
注冊資本和實收資本.....................................................................................................13
注冊資本和實收資本有何異同？........................................................................13
怎樣確定公司注冊資本？......................................................................................13
如何合理安排實收資本？......................................................................................15
哪些企業(yè)仍實行注冊實繳制？ .........................................................................16
公司股權配置 ..................................................................................................................17
股權合理配置應根據什么原則？......................................................................17
怎樣加強創(chuàng)始人控制權？.....................................................................................19
什么是股權分散設計？ ......................................................................................19
何謂股權虛擬設計？ ..........................................................................................20
股權分層設計的方法是什么？..........................................................................20
怎樣建立股權激勵機制？ ..................................................................................21
創(chuàng)業(yè)資本籌措 ..............................................................................................................22
創(chuàng)業(yè)資本籌措有哪些渠道？ ..............................................................................23
什么是股權眾籌？ ..............................................................................................24
怎樣選擇股權眾籌平臺？ ..................................................................................25
發(fā)起股權眾籌應做哪些準備工作？ ..................................................................26
股權眾籌操作流程是什么？ ..............................................................................28
眾籌平臺收費項目有哪些？ ..............................................................................30
天使投資 ......................................................................................................................31
什么是天使投資？ ..............................................................................................31
天使投資人怎樣選擇創(chuàng)業(yè)項目？......................................................................32
天使投資人怎樣評價項目創(chuàng)始人？.................................................................33
天使投資人如何進行投資決策？ ......................................................................34
創(chuàng)業(yè)者怎樣尋找天使投資人？ ..........................................................................35
天使投資與 VC、PE 有何異同？......................................................................37
尋求天使投資需要注意什么問題？ ..................................................................38
什么是 A 輪、B 輪、C 輪融資?.........................................................................40
寫好商業(yè)計劃書 .............................................................................................................41
什么是商業(yè)計劃書？.............................................................................................. 41
怎樣編寫商業(yè)計劃書？...........................................................................................42
商業(yè)計劃書的核心內容是什么？ ......................................................................43
商業(yè)計劃書應注意哪些細節(jié)問題？ ..................................................................44
融資路演 .........................................................................................................................45
什么是融資路演？...................................................................................................45
融資路演需做哪些準備工作？ ..........................................................................45
提升融資路演效果應掌握哪些關鍵環(huán)節(jié)？ ....................................................47
開戶銀行選擇.....................................................................................................................48
銀行開戶的政策規(guī)定是什么？ ..........................................................................49
銀行開戶程序和收費項目有哪些？ ..................................................................49
單位結算卡有什么作用？......................................................................................50
什么是網絡銀行？...................................................................................................51
企業(yè)為什么應慎選開戶銀行？ ..........................................................................52
商業(yè)銀行的企業(yè)金融服務有哪些？ .................................................................54
企業(yè)的銀行服務需求分幾類？ ..........................................................................55
小微企業(yè)怎樣正確選擇開戶銀行？ .................................................................56
征信與信用評級 .............................................................................................................58
什么是征信？..........................................................................................................58
企業(yè)征信信息從哪里來？ ..................................................................................59
企業(yè)信用報告怎樣查詢使用？ .........................................................................60
什么是信用評級？... ..............................................................................................61
銀行客戶信用評級指什么？ ..............................................................................62
信用評級符號的含義是什么？ ..........................................................................63
何謂專業(yè)機構信用評級？ ..................................................................................64
B 篇初創(chuàng)期企業(yè)金融知識
信貸市場 .........................................................................................................................69
信貸市場與銀行體系是什么關系？...................................................................69
銀行貸款須遵守什么基本規(guī)則？ ......................................................................69
銀行貸款一般流程有什哪些？ ..........................................................................70
信貸合同核心條款是什么？ ..............................................................................71
什么是四單管理、三個不低于，七不準、四公開？...................................73
流動資金貸款分類..................................................................................................75
流動資金貸款主要品種.........................................................................................76
流動資金貸款一般條件.........................................................................................77
固定資產貸款條件和程序 .................................................................................78
固定資產貸款主要品種 ......................................................................................80
什么是個人金融經營貸........................................................................................81
“信貸工廠”服務創(chuàng)新.........................................................................................83
投貸聯動試點...........................................................................................................84
什么是票據和票據市場？ .................................................................................85
票據交易有幾種方式？ ......................................................................................86
票據融資有哪些方法？ ......................................................................................87
什么是商業(yè)承兌匯票？ . ....................................................................................88
怎樣進行商票貼現融資？ ...............................................................................89
貿易融資工具各指哪些類型和產品？ ............................................................90
出口信貸融資方式分幾類？ ............................................................................91
什么是混合信貸融資？ .....................................................................................92
什么是福費廷融資？ ..........................................................................................93
什么是打包貸款？ ..............................................................................................94
什么是信用證開證授信？ ..............................................................................95
什么是信用證押匯融資？ ...............................................................................95
什么是備用信用證？ ..........................................................................................96
什么是國際保理融資？ ......................................................................................97
什么是國內保理融資？ ......................................................................................98
怎樣進行應收賬款融資？ ...............................................................................99
何謂供應鏈金融？ ..............................................................................................100
資本市場 . ..................................................................................................................101
什么是資本市場？ ..............................................................................................101
多層次資本市場建設目標是什么？ ..............................................................102
股票市場層次和功能是怎樣劃分的？ .........................................................104
股票上市可以開辟哪些直接融資渠道？......................................................105
什么是借殼上市？ ..............................................................................................106
什么是債券市場？ ..............................................................................................107
什么是中小企業(yè)集合債/集合票據？ ............................................................107
什么是中小企業(yè)私募債？ ..................................................................................108
什么是“雙創(chuàng)債”？ ..........................................................................................109
股權投資基金有幾種常見類型？ .................................................................111
什么是產業(yè)投資基金？ ......................................................................................111
非銀行金融市場 ...........................................................................................................112
什么是非銀行金融市場？ ................................................................................112
信托投資主要產品有幾種？ ............................................................................113
什么是中小企業(yè)集合信托？ ............................................................................113
什么是融資租賃？ ..............................................................................................114
融資租賃的常見產品有哪些？ ........................................................................115
融資租賃的租金包括哪些項目？ ....................................................................116
什么是 EMC 融資？.........................................................................................118
EMC 項目運作模式是怎樣的？......................................................................119
政策性金融.....................................................................................................................119
什么是政策性金融？..........................................................................................120
國家開發(fā)銀行支持中小企業(yè)發(fā)展有何舉措？.............................................120
農發(fā)行服務“三農”的信貸產品有哪些？ ................................................121
進出口行支持外向型企業(yè)的信貸產品有幾類？........................................122
什么是中小企業(yè)發(fā)展基金？............................................................................123
國家新興產業(yè)創(chuàng)業(yè)投資引導基金的支持重點？........................................124
科技成果轉化引導基金的投資政策？...........................................................125
商業(yè)信用市場.................................................................................................................125
什么是商業(yè)信用？..............................................................................................125
易貨貿易融資有幾種模式？............................................................................126
應收賬款融資方式有哪些？............................................................................127
什么是商業(yè)保理融資？......................................................................................128
供應鏈融資怎樣運營？......................................................................................129
何謂預收賬款融資？..........................................................................................130
怎樣利用電子貨幣融資？ ...............................................................................130
互聯網金融 .....................................................................................................................132
什么是互聯網金融？..........................................................................................132
P2P 網絡借貸的運作和融資方式？ .............................................................132
直銷銀行目前提供哪些信貸產品？..............................................................134
網絡小貸怎樣開展業(yè)務？ ..............................................................................135
什么是互聯網金融門戶？ ...............................................................................136
民間資本市場融資........................................................................................................137
什么是民間借貸？..............................................................................................137
民間借貸融資需要注意什么問題？..............................................................138
怎樣利用典當融資？..........................................................................................139
小額貸款公司主要提供哪些產品？..............................................................139
村鎮(zhèn)銀行的服務定位是什么？........................................................................140
農村信用社的信貸產品有哪些？....................................................................141
什么是企業(yè)內源融資？......................................................................................142
企業(yè)內部集資的合理與合法界限是什么？.................................................143
企業(yè)融資渠道選擇 .......................................................................................................144
什么是企業(yè)金融版圖？....................................................................................144
怎樣繪制企業(yè)金融版圖？ ..............................................................................146
企業(yè)融資怎樣利用金融版圖？ ....................................................................148
企業(yè)資金鏈維持與保護 .............................................................................................149
企業(yè)資金鏈斷裂的原因和防斷措施是什么？ .........................................149
怎樣利用差時預算建立資金鏈預警？.........................................................150
如何利用過橋資金維護資金鏈安全？.........................................................152
C 篇成長期企業(yè)金融知識
股權融資方法 ...............................................................................................................155
股權融資有幾種方式？....................................................................................155
股權轉讓融資需要什么條 ..............................................................................156
股權融資對象分為幾類投資者？..................................................................156
如何選擇股權投資基金？................................................................................157
股權融資需要經過哪些步驟？.......................................................................158
注冊資本的“元”與股是否同一概念？.....................................................159
增資擴股指標如何計算？ ..............................................................................160
怎樣確定引進投資者的股權占比？..............................................................161
股權融資后怎樣調整股權和資本結構？.....................................................162
股權投資協(xié)議 ................................................................................................................163
股權投資協(xié)議主要條款有哪些？...................................................................163
什么是對賭協(xié)議？...............................................................................................165
對賭協(xié)議跟誰賭？...............................................................................................167
對賭協(xié)議賭什么？...............................................................................................168
對賭籌碼是什么？...............................................................................................169
怎樣防范對賭風險？...........................................................................................170
公司估值定價 ...............................................................................................................172
什么是公司估值定價？......................................................................................172
什么是早期企業(yè)估值？ ....................................................................................173
什么是博克斯估值法？ ....................................................................................174
什么是共識估值法？........................................................................................175
什么是風投專家評估法？ .............................................................................175
什么是風險因素匯總估值法？......................................................................176
公司上市前適用什么估值方法？.................................................................177
何謂可比公司法？............................................................................................178
何謂可比交易法？............................................................................................180
什么是現金流折現法？...................................................................................181
什么是梅特卡夫估值法？ ............................................................................182
區(qū)域股權交易市場（四板）掛牌須知 ................................................................183
區(qū)域股權交易市場的特色和運行規(guī)則是什么？.....................................183
企業(yè)在區(qū)域股權市場掛牌需要什么條件？...............................................184
四板掛牌對企業(yè)融資有何幫助？.................................................................185
新三板掛牌攻略.................. .........................................................................................186
新三板在資本市場的地位是怎樣的？........................................................186
怎樣掌握新三板掛牌條件？..........................................................................187
新三板融資方式有哪些？ ............................................................................189
創(chuàng)業(yè)板上市規(guī)劃 ..........................................................................................................191
創(chuàng)業(yè)板上市特點和條件是什么？..................................................................191
創(chuàng)業(yè)板上市需經過哪些程序？.......................................................................193
申報發(fā)行審查需要準備哪些文件？..............................................................194
股票發(fā)行審查與核準的主要步驟是什么？.................................................195
提交發(fā)審需要特別注意什么問題？...............................................................196
技術出資為什么成為發(fā)審重點？....................................................................196
私募股權投資為何成為上市障礙？...............................................................197
創(chuàng)業(yè)板嚴信息披露體現在哪些方面？......................................................199
企業(yè)融資增信支持 .....................................................................................................200
什么是信用增級？...............................................................................................200
什么是擔保？.......................................................................................................201
反擔保與再擔保有何異同？............................................................................202
什么是信用擔保？..............................................................................................203
新型融資擔保體系建設目標是什么？..........................................................204
保險增信與信用擔保有何不同？...................................................................206
什么是中小企業(yè)履約保證保險？...................................................................207
什么是信用保證保險？.....................................................................................208
中小企業(yè)信用保證保險開辦品種有哪些？................................................209
企業(yè)融資方案的制定與實施 ...............................................................................210
怎樣制定企業(yè)融資方案？..............................................................................210
什么是組合運用金融工具？..........................................................................211
企業(yè)融資怎樣進行合理包裝？......................................................................213
怎樣制作融資申請文件？ .............................................................................214
融資方案的組織實施的方法策略是什么？...............................................215
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