In bank, hock travel, insurance company is mixed assure in channel of these 4 kinds of company financing, passing a bank to blend in short-term fund is the most traditional also be current the most popular way.
And pass other the kind that 3 kinds of channel have short-term circulate necessary funds, place of very few humanness knows, but they have respective distinguishing feature again, can satisfy the financing requirement that specific crowd issues in specific requirement, also have very large market space at present consequently. So, factor of a few what should consider when choosing different financing channel?
　　
Have capital fund oneself
Because each orgnaizations are different,the type of those representing capital of be in harmony of the type has different regulation to the condition of borrower, when occurrence financing gap when, not be can receive fund smoothly from every channel. This moment, be about to think the specific provision of different financing means, the choice fits his financing pattern most. Cite a case, make what house property guaranty borrows money or impawn borrows money to the bank, must have corresponding pawn and simple thing, and pawn and the condition that pledge content must accord with a bank to set; Think of insurance company applies for loan, must the corresponding guarantee slip that has cost of money waits. And go to hock and assure company, need usurer to be able to be offerred only commonly assure reversely (limits compares bank and insurance company normally should wide much) , with respect to the desire that can realize financing.
　　
Capital requirement
Place of different financing way can the capital amount that be in harmony knows is put in difference normally. The mortgage loan that some banks provide and impawn loan specified amount are spent, put in start and upper limit, it is clear that before be being dealt with, other perhaps way can be taken to enquire through the guest, next him according to financing gap will undertake choosing. In insurance company, can the certain discount rate that the capital amount that be in harmony knows also is the cost of money according to guarantee slip will decide. And hock goes and assure company, also be the pawn that assures reversely according to usurer offers normally value of simple perhaps thing will decide, what what differ is, compare with other channel photograph, they arrive more likely for usurer be in harmony more capital. Accordingly, the mind of keep one's hair on needs when lacking cash, want to inspect oneself asset state and capital requirement, undertake choosing in a few kinds of different financing channel.
　　
Reimbursement deadline
Reimbursement deadline also is a main factor that needs a consideration. For example, take up when need capital 1 year when, cannot choose a loan that can provide time of half an year only, had not come in when cash shedding otherwise when, reimbursement deadline already arrived, the condition that faces special awkwardness. Popularly, the loan time that the house property of the bank mortgages loan can be offerred is the longest, it is 1 year of above normally, some achieves 10 years even longer perhaps. And all sorts of impawn that deal with in the bank borrow money, loan time limit is met according to simple thing different and of the bank differ and produce a difference, differ to a few years from a few months. Term is the shortest is insurance company and mortgage company, do not exceed 6 months commonly.
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