㈠ 求一篇3000字左右的关于融资方面的英文文章
Commercial Financing Solutions - Think Outside The Bank
July,2007 by Stephen Bush
Commercial financing borrowers are likely to feel that a traditional bank is their best source for business financing. However, because most traditional banks focus on a small number of established instries, non-traditional (non-bank) and non-local commercial lenders should be considered for most commercial financing situations. Therefore the recommended commercial financing strategy (as discussed in this article) is to Think Outside the Bank”.
There are several commercial financing situations in which commercial borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower: (1) Business cash advance and credit card factoring programs; (2) commercial mortgage loans; and (3) credit card processing programs. In some cases a traditional bank will offer to provide commercial financing but will attach excessively stringent terms and covenants. In other cases a traditional bank will decline the commercial financing outright, perhaps because they do not even provide business financing to the commercial borrower’s particular instry. In either case, the commercial borrower is likely to benefit by Thinking Outside the Bank”.
As I noted in an earlier commercial financing article, in many non-competitive business financing situations it is not unusual for a local traditional bank to impose harsher commercial financing terms than would typically be seen in a more competitive business financing market. Such traditional banks routinely take advantage of a relative lack of other commercial lenders in their local market. An appropriate response by commercial borrowers is to seek out non-bank commercial financing options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial financing solutions. For most commercial financing situations, a non-local and non-bank commercial lender is likely to provide improved business financing terms because they are accustomed to competing aggressively with other commercial lenders.
COMMERCIAL FINANCING EXAMPLE ONE - THINK OUTSIDE THE BANK
Business Cash Advance and Credit Card Receivables Programs
Most businesses that accept credit cards in their business will qualify for a business cash advance with their credit card receivables. Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances. Because even thriving businesses frequently need more cash than they can borrow from a bank, it can be of critical importance for a business to Think Outside the Bank” and locate non-traditional lenders to assist with this commercial financing need.
COMMERCIAL FINANCING EXAMPLE TWO - THINK OUTSIDE THE BANK
Commercial Mortgage Loans
Two of the most common commercial financing difficulties experienced by commercial borrowers can be avoided if they Think Outside the Bank”. The first commercial financing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as funeral homes and churches). The second commercial financing situation is the typical practice of most commercial banks to attach balloon and/or recall provisions to their commercial loans (which means that the bank can require early repayment of the commercial loan under various conditions). Both of these undesirable commercial financing situations can usually and easily be avoided by considering a non-traditional and non-bank lender.
COMMERCIAL FINANCING EXAMPLE THREE - THINK OUTSIDE THE BANK
Credit Card Processing Programs
The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card activity. The analysis of credit card processing providers can be effectively combined with the credit card factoring and credit card receivables process described above. In assessing a business cash advance program, it is frequently possible to simultaneously arrange for a substantial improvement in the merchant’s credit card processing program. Because traditional banks are usually not competitive in providing assistance with credit card factoring, it is equally likely that a non-traditional lender will be the primary source of effective and competitive help with credit card processing.
A closing commercial financing thought: I have written an earlier commercial financing article about commercial lenders to avoid. It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided. So when commercial borrowers Think Outside the Bank”, it is still of critical importance that they are prepared to avoid a wide variety of problematic non-traditional commercial lenders in their search for viable commercial financing, especially when it involves business cash advance (credit card receivables and credit card factoring) programs, credit card processing services and commercial real estate financing.
㈡ 关于民营企业融资的英文资料
Our country Private enterprise finances the difficult origin and the countermeasure suggested: since the reform and open policy, our country privately operated economy rapidly expand, already became the socialist market economy the important component, promotes the social proctive forces development important force. At present, the privately operated economy does the contribution, in GDP, in the entire social fixed assets investment, the entire social tax revenue, the imports and exports total, the cities employed people's proportion surpasses above 1/2, many occupies 2/3 about, private capital's total quantity already was about state asset resultant 2.5-3 times. In privately operated economical Private enterprise, although is approved officially compared to the indivial economy enough late 5 years, but Comrade Deng Xiaoping inspected after 1992 publishes the important speech and the party 14 big have established the socialist market economic system's reform goal, the Private enterprise develops extremely rapidly. According to the sixth national Private enterprise sample investigation announcement's data demonstrated that from 1993 to 2003, our country Private enterprise quantity from 237,900 households increased to 3,005,500 households, grew more than 13 times, the yearly average grew 28.89%; The registered capital increases to 3,530,500,000,000 Yuan from 68,100,000,000 Yuan, grew 52 times, the yearly average grew 48.41%; The jobholders increase to 42,990,000 people from 3,730,000 people, grew nearly 12 times, the yearly average grew 27.72%.
Without a doubt, in the Private enterprise grows strong unceasingly in process, is also facing many questions, finances difficultly is a prominent question. Although, under the central care, the support, finances the difficult question to obtain the alleviation graally, but the financing channel is impeded, the financing channel is narrow, was still the important attribute which the restriction Private enterprise develops.
㈢ 求一篇关于企业筹资的英文资料及其中文翻译
物业管理企业作为独立法人，应实行“自主经营、独立核算、自负盈亏”。而物业管理又是劳动密集型的企业，在经济效益中属于微利性的行业，当前除少数物业管理企业略有盈利外，大部分企业处于亏本经营状态，资金紧张，经费问题成为阻碍物业管理发展的“瓶颈”。那么，物业公司应如何筹集资金呢？笔者认为可通过以下几个渠道。
渠道之一是收费。
物业管理企业按收费规定，根据所提供服务的性质、特点、档次、内容、质量等分别确定物业管理收费标准，并报物价部门批准。这是长期稳定的收入来源。
渠道之二是小区维修养护专项基金。
用于小区共用部位、共用设施设备的更新与大中修基金，数额巨大，不能靠日常管理收费来解决，应以基金的形式提取。
1）维修基金的筹集。
对于商品房，购房者与售房单位应当签订有关维修基金缴纳合同。购房者按购房款的2％～3％的比例向售房单位缴交维修基金。售房单位代为收取的维修基金属全体业主共同拥有，不计入住宅销售收入；对于售后公房，售房单位和购房者双向筹集。售房单位按照一定比例从售房款中提取，多层不低于20％，高层不低于30％。如因特殊原因，维修基金不足时，经业主委员会决定，可临时向业主筹集维修费用。
2）维修基金在使用和管理中要专款专用，明确维修基金归全体业主所有，物业管理企业提出计划和预算，经业主委员会批准，委托物业管理企业实际操作使用；业主委员会成立前，维修基金可由政府主管部门代管；维修基金要专户存入银行，接受银行监督检查，不能挪作它用。值得引起注意的是，维修基金不能由物业管理企业直接掌管，企业是短期行为，基金是长期使用。如果物业管理企业聘任到期或遭到解聘，不交回基金，会引起纠纷，直接影响维修基金的安全性。另外，当维修基金数额巨大时，要争取产生最大的增值效益，闲置时，可用于购买国债和其它法律法规允许的投资渠道。另外，维修基金利息净收益转作维修基金滚存使用和管理。
3）对于不按规定建立维修基金或执行标准低于国家标准的，各地应在制定维修基金管理办法细则中明确责任和惩罚办法，否则，由开发商或售房单位代收的维修基金不能及时交给政府主管部门或业主委员会，缺乏监督机制。
4）建议各城市由政府部门建立物业管理维修基金管理中心，将全市的物业维修基金像公积金一样，集中起来专门管理，使之保值、增值，解决居民的后顾之忧。
渠道之三是多种经营收入。
物业管理企业不能只依赖于物业管理收费求得生存，必须走向市场，依靠多种经营弥补物业管理经费的不足。要扩大经营服务领域，通过间接的居住生活服务和各种特约服务，开辟物业管理的经费渠道，通过规模经营和加强管理降低成本，减轻住户的直接物业管理费用。多种经营是物业管理企业筹集资金最好的渠道，也是最有市场前景的发展方向。
渠道之四是开发建设单位给予一定的支持。
开发建设单位向物业管理企业提供启动资金和维修养护费用，即开发商应从开发项目的建设成本中提取1％～2％作为物业管理公司的启动资金；或按建筑面积的一定比例，为物业管理企业优惠提供商业、服务业用房，增加物业管理企业的造血功能，使其以业养业。另外，物业管理企业还可以从开发建设单位获得享有免费维修的权利，以节约费用。
渠道之五是政府多方面的支持。
（1）制定收费的标准，加强管理。目前除市场上的高档商品房外，普通住宅小区还不能完全按市场价收费。（2）对房改房，原产权单位负责支付电梯、高压水泵、供暖等共用设施设备的运行、维修和更新等费用，减轻购房人负担。（3）在金融税收方面提供优惠政策。（4）拨发一定的城市建设维护费，用于小区共用部位、共用设施设备的管理，以减轻小区日常管理费用的负担。（5）在旧小区内，在规划允许的前提下，新建一些商业用房，以成本价或较低的租金提供给物业管理企业，增加住宅小区购物、家政服务等经营性收入，弥补物管经费不足。
渠道之六是介入物业出租代理。
物业管理企业利用自身对物业熟悉的优势，为业主和租房者提供高效优质的专业服务。物业管理企业从事物业出租代理对三方都有好处：对于租房者，不用和业主直接见面，讨价还价，不仅大大减少了交易成本，而且还因有物业管理企业做中介，不会上当受骗；对业主来说，作为投资者不用投入太多精力，即可获得可观回报；对物业管理企业来说，则可利用专业优势获得一定的中介利润。物业管理企业如果能借鉴国外成熟的做法，从事租售代理业务，在增加物业管理企业收益的同时，在一定程度上激活房地产市场。
Property management companies as an independent legal entity, the implementation of "their own decisions, independent accounting, self-financing." And property management are also labor-intensive enterprises in economic profit in the instry belong to the current small number of property management companies in addition to a slight profit, the majority of loss-making enterprises operating in a state of nervous funds, property funds management problem that hinders the the development of the "bottleneck." In that case, the property company to raise funds on how to do? I think through the following channels.
Fees are one of the channels.
Property management fees in accordance with the provisions of enterprises, according to the nature of the services provided, characteristics, grades, content, determine the quality of property management fees, they shall be reported to the approval of the price department. This is a long-term stable source of revenue.
Channels are two of the special fund community conservation repair.
Community site for sharing, sharing of facilities and equipment updates and repair large and medium-sized funds, the amount of huge fees and charges should not rely on management to solve day-to-day should be extracted to fund.
1) repair fund-raising.
For real estate, buyers售房units and enter into a maintenance fund should be paid the contract. Buyers purchase by paragraph 2% to 3% of the proportion of maintenance funds to pay售房units.售房unit repair funds collected on behalf of all owners are jointly owned are not included in residential sales; the sale of public housing,售房units and buyers to raise two-way.售房a certain percentage of units in accordance with the售房款extracted from, not less than 20% of multi-storey high-rise not less than 30%. Such as e to special reasons, lack of maintenance funds, the Committee decided by the owners, the owners temporarily raise the cost of repair.
2) repair at the use and management of the Fund to be used for other purposes, specifically to the repair of all owners of all funds, property management companies to plan and budget approved by the owners of the Committee, commissioned by property management companies to use the actual operation; owners of the Committee prior to the establishment, maintenance fund can be Government departments in charge of the escrow; repair funds into the bank account want to accept supervision and inspection of banks, not only for its intended purpose. Deserve attention, the maintenance fund can not be directly in charge of property management companies, enterprises are short-term behavior, funds are long-term use. If the property management companies by the expiration or termination of appointment, do not return the funds, give rise to disputes, directly affect the safety of a maintenance fund. In addition, when a huge amount of repair funds, we should strive to proce the greatest value-added benefits, when idle, can be used to buy treasury bonds and other laws and regulations permit the investment channels. In addition, net interest on maintenance funds to repair the fund accumulated for the use and management.
3) do not set up a maintenance fund in accordance with the regulations or the implementation of the standard lower than the national standard, and around the repair fund should formulate clear rules management responsibilities and penalties, otherwise售房by the developer or unit of the maintenance fund collection should not timely to the Government department director or owner committees, the lack of oversight mechanisms.
4) recommended that government departments set up by the city property management and maintenance fund management center will be the city's property maintenance fund as Provident Fund, the specialized management together to preserve the value of value-added to resolve the worries of residents.
The three channels are a variety of operating income.
Property management companies should not only rely on property management fees to survive, we need to move to market, to rely on a wide range of property management business to make up for lack of funds. Want to expand the field of business services, through an indirect living services and a variety of special services, property management to open up channels of funding, through the scale of operation and the strengthening of management to rece costs and to relieve the tenants of the direct costs of property management. Diversified property management companies are the best channel to raise funds, and most have the direction of development of market prospects.
Channels are the development and construction of four units must be given support.
The development and construction of units in the property management companies to start-up capital and maintenance costs of conservation, that is, developers should be the capital cost of development projects to extract 1% ~ 2% of the property management company's start-up capital; or by a certain percentage of building area for the property management Offer to provide commercial enterprises, service space, property management companies to increase the hematopoietic function to raise the instry to instry. In addition, property management companies can also be obtained from the development and construction unit of the right to enjoy free maintenance to save costs.
The five channels are multi-faceted support of the Government.
(1) formulate the standard of the charges, strengthen management. In addition to high-end real estate market, the average residential community is not fully charged by the market. (2) housing reform rooms, the original unit is responsible for payment of property elevators, high-pressure pumps, heating equipment, such as the operation of shared facilities, maintenance and updating costs, rece the burden on people buying houses. (3) to provide financial tax incentives. (4) the city must allocate the maintenance of construction costs for the community sharing site, sharing facilities and equipment management, so as to rece the community burden of day-to-day management costs. (5) within the community in the old, in the planning permit under the premise of a number of new commercial buildings, at cost or lower the rent to the property management business, to increase the residential community, home economics and other business services revenue, to make up for property management lack of funds.
The six channels are involved in property rental agent.
Property management companies to use their own familiar with the advantages of the property for owners and renters to provide highly efficient, high quality professional services. Property management companies engaged in property rental agent will be beneficial for the three: For the renters, and owners do not directly meet bargaining, not only greatly reces the transaction costs, but also because there is an intermediary to do property management companies will not be deceived; for owners to Say, as investors need to invest too much effort, you can derive a substantial return; of property management companies, major advantages can be controlled through an intermediary to obtain a certain profit. Property management companies abroad if we can learn from the practice of sophisticated, engaged in business in sales and rental agent, property management companies to increase revenue at the same time, to a certain extent on activation of the real estate market.
㈣ “融资”的英文怎么说
1.financing 2.finance 3.lout 4.accommodate 1. financing n. 融资 ，财务，资金...finance n. 财政，财务 2. finance v. 筹措资金，融资 3. lout 融资 4. accommodate 融资，供给...account bought 代购 货物单
㈤ 融资英文文献
融资英文文献（6000字左右 ） 作者：Justin.Athur.winner。 Commercial Financing Solutions - Think Outside The Bank
July,2007 by Stephen Bush
Commercial financing borrowers are likely to feel that a traditional bank is their best source for business financing. However, because most traditional banks focus on a small number of established instries, non-traditional (non-bank) and non-local commercial lenders should be considered for most commercial financing situations. Therefore the recommended commercial financing strategy (as discussed in this article) is to Think Outside the Bank”.
There are several commercial financing situations in which commercial borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower: (1) Business cash advance and credit card factoring programs; (2) commercial mortgage loans; and (3) credit card processing programs. In some cases a traditional bank will offer to provide commercial financing but will attach excessively stringent terms and covenants. In other cases a traditional bank will decline the commercial financing outright, perhaps because they do not even provide business financing to the commercial borrower’s particular instry. In either case, the commercial borrower is likely to benefit by Thinking Outside the Bank”.
As I noted in an earlier commercial financing article, in many non-competitive business financing situations it is not unusual for a local traditional bank to impose harsher commercial financing terms than would typically be seen in a more competitive business financing market. Such traditional banks routinely take advantage of a relative lack of other commercial lenders in their local market. An appropriate response by commercial borrowers is to seek out non-bank commercial financing options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial financing solutions. For most commercial financing situations, a non-local and non-bank commercial lender is likely to provide improved business financing terms because they are accustomed to competing aggressively with other commercial lenders.
COMMERCIAL FINANCING EXAMPLE ONE - THINK OUTSIDE THE BANK
Business Cash Advance and Credit Card Receivables Programs
Most businesses that accept credit cards in their business will qualify for a business cash advance with their credit card receivables. Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances. Because even thriving businesses frequently need more cash than they can borrow from a bank, it can be of critical importance for a business to Think Outside the Bank” and locate non-traditional lenders to assist with this commercial financing need.
COMMERCIAL FINANCING EXAMPLE TWO - THINK OUTSIDE THE BANK
Commercial Mortgage Loans
Two of the most common commercial financing difficulties experienced by commercial borrowers can be avoided if they Think Outside the Bank”. The first commercial financing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as funeral homes and churches). The second commercial financing situation is the typical practice of most commercial banks to attach balloon and/or recall provisions to their commercial loans (which means that the bank can require early repayment of the commercial loan under various conditions). Both of these undesirable commercial financing situations can usually and easily be avoided by considering a non-traditional and non-bank lender.
COMMERCIAL FINANCING EXAMPLE THREE - THINK OUTSIDE THE BANK
Credit Card Processing Programs
The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card activity. The analysis of credit card processing providers can be effectively combined with the credit card factoring and credit card receivables process described above. In assessing a business cash advance program, it is frequently possible to simultaneously arrange for a substantial improvement in the merchant’s credit card processing program. Because traditional banks are usually not competitive in providing assistance with credit card factoring, it is equally likely that a non-traditional lender will be the primary source of effective and competitive help with credit card processing.
A closing commercial financing thought: I have written an earlier commercial financing article about commercial lenders to avoid. It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided. So when commercial borrowers Think Outside the Bank”, it is still of critical importance that they are prepared to avoid a wide variety of problematic non-traditional commercial lenders in their search for viable commercial financing, especially when it involves business cash advance (credit card receivables and credit card factoring) programs, credit card processing services and commercial real estate financing.
商业融资解决方案-比如银行外
2007年7月由Stephen布什
商业融资的借款人可能会认为，传统的银行是他们的最佳来源的商业融资。然而，由于大多数传统银行侧重于少数设立工业，非传统（非银行）和非本地商业银行应考虑大多数商业融资的情况。因此，建议商业融资战略（如本文中讨论）是跳出本行“ 。
有几个商业融资情况下，商业借款人常常发现，非传统的商业银行将能够更好地提供的条件更有利的商业借款人： （ 1 ）商业透支现金和信用卡保理业务程序; （ 2 ）商业按揭贷款;和（ 3 ）信用卡处理程序。在某些情况下，传统的银行将提供商业融资，但附加条件过于严格和盟约。在其他情况下，传统的银行将下降彻底的商业融资，这可能是因为他们甚至不提供商业融资，商业借款人的特定行业。在这两种情况下，商业借款人可能会受益于银行外思考“ 。
正如我在较早的商业融资的文章，在许多非竞争企业融资情况下，它并没有什么不寻常的地方传统的银行实行更加严厉的商业融资条件比通常被视为在一个更具竞争力的企业融资市场。这种传统的银行通常利用相对缺乏其他商业银行在其当地市场。作出适当的反应是由商业借款人寻求非银行的商业融资方案。这是既无必要，也明智的商业借款取决于只有在当地传统的商业银行融资解决方案。对于大多数商业融资的情况下，非本地和非银行的商业银行有可能提供更好的企业融资条件，因为他们所熟悉的竞争积极与其他商业银行。
商业融资比如-比如银行外
企业现金和信用卡应收帐款程序
大多数企业认为接受信用卡将在其业务资格的商业现金透支的信用卡应收款。传统的银行通常会是非常贫穷的候选人，以考虑是否需要援助业务与保理业务和信用卡业务现金垫款。因为即使是蓬勃发展的企业往往需要更多的现金，他们可以比银行贷款，它可以是极其重要的商业银行外的思考“ ，并找到非传统的贷款，以协助这个商业融资的需要。
商业融资两名-比如银行外
商业按揭贷款
两个最常见的商业融资遇到困难的商业贷款，可避免如果他们认为银行外“ 。第一商业融资情况是普遍存在的做法，传统的银行，以避免最特殊用途性质（如殡仪馆和教堂） 。第二商业融资的情况是典型的做法，大多数商业银行的重视气球和/或召回规定的商业贷款（这意味着银行可以要求提前偿还的商业贷款不同条件下） 。这两种不良商业融资的情况，通常可以很容易地避免和审议了非传统和非银行贷款。
商业融资例3 -比如银行外
信用卡处理程序
选择一个适当的信用卡处理服务，可有助于改善企业的盈利与大量的信用卡活动。分析信用卡处理供应商，才能有效地结合信用卡保理业务和信用卡应收款上述进程。在评估企业现金透支程序时，它常常是有可能同时安排大大提高商家的信用卡处理程序。由于传统的银行通常是没有竞争力，在提供援助信用卡保理业务中，也同样可能是一个非传统的贷款将是主要来源的有效和有竞争力的帮助，信用卡处理。
闭幕商业融资认为：我已经写的早期商业融资文章商业银行，以避免。应当指出的是，事实上，传统和非传统（非银行）贷款，应加以避免。因此，当借款人跳出商业银行“ ，它仍然是至关重要的，它们准备，以避免各种问题的非传统的商业银行在寻求可行的商业融资，尤其是当它涉及业务现金透支（信用卡应收款和信用卡保理）程序，信用卡处理服务和商业房地产融资。
㈥ 急求关于中小企业融资问题的英文文献
Small Business Loan 101
Essentials of Small Business Loan
From Naurys Marte, for About.com
As a small business owner, your most difficult task is finding the money to operate your business. Taking the necessary steps to prepare for a small business loan can minimize the difficulty. Learn what you need to know to clinch the loan deal.
Banks and other lending institutions cite risk factors as their main reason for turning down small business loan requests from startup businesses. Yet, you can still get a loan for your business by proper preparation.
Avoid the common error of thinking you can start with grants from the government and community agencies. It is even more unlikely than getting the money from your own savings, family, friends, or a bank.
The main requirements of attaining a small business loan are your personal credit history, business plan, experience, ecation, and feasibility of the business you are starting or expanding.
The most important task to obtain a small business loan is preparing a business plan. The business plan needs to show the lender that providing you with a small business loan is a low-risk proposition. Your business plan must answer the questions a lending institution would ask. These questions usually are:
How much money do you need?
If you are starting a business, this should be included at least in the start-up capital estimate. Accuracy is important, so request enough money to invest wisely.
What are you going to do with the money?
You will have to provide, in detail, the designated use of every dollar requested. A small business loan is often needed for: operations (new employees, marketing, etc.), assets (equipment, real estate, etc.), or to pay off business debts.
When will you repay the small business loan?
Explain in detail how this small business loan will serve as a stepping-stone for your business. You will need to convince the lender (with your financial statements and cash flow projections) that you are able to repay the loan through the expected long-term profitability of your business.
What will you do if you don't get the loan?
Let lenders know that rejection will not discourage you from starting or growing your business. You want to portray a confident and determined personality and you will try lender after lender until you receive the money you need to get your business moving.
As a small business owner, you will need a certain degree of fortitude. Be confident and proud of your venture. Let lenders know you are in control and know what's best for you and your business. Understand that lending institutions need to make loans. But if you don't get one, don't get discouraged. Ask the lender why you didn't get the small business loan. Learn from the answer, move on, and try other lenders.
The Women's Venture Fund is a resource for women in business who need money and training to expand their venture for New York or New Jersey businesses. To learn more about the Women's Venture Fund call 212-563-0499 or visit www.womensventurefund.org.
Small Business Loan Resources
Getting a Small Business LoanSmall Business Banking 101New Rules of Small Business Financing
Small Business Information Resources
Email Guide: Darrell ZahorskyArticles Reprint PermissionSubmit Articles to Small Business
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* Before You Apply for a Business Loan
* Business Loans - Preparation for Application for Business Loans
㈦ 【求一篇关于企业筹资的英文资料】
http://books.google.com.sg/books?id=Y92LRlveH_oC&pg=PA340&lpg=PA340&dq=enterprise+raise+money&source=web&ots=Bq4bIYKUgR&sig=K8vJYIikf2pfoJeJrYiLCHZ6k5s&hl=en&sa=X&oi=book_result&resnum=1&ct=result
Enterprise Raising Money
The Errars and Countermeasures of Raising Money in Enterise
WANG Pei(Accounting Department;Nanjing Teachers University;Nanjing 210037;China)
Raising money is the first link in enterprise Concting financial transactions.It will exert an important influence in financial operating.Owing to restriction on subjective and objective conditions,There are some errors in enterprise raising money,Such as laying more stress on stock market than on bond market,and laying more stress on raising money than keeping and rising in value.Therefore We should make further improvement on capital market,especially on bond market.The enterprise also should change concept to great extent and improve their conction of raising money.
【Keyword】：raising money;finance;errors;countermeasure
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This section offers advice to entrepreneurs on seeking finance, and highlights a number of key sources well disposed toward investing in sustainable enterprises. It assumes the reader has some experience in business finance and that, if not, they will seek basic resource materials and qualified financial advisors.
Businesses the world over are built on the pillars of ingenuity, hard work, demand for procts and services, and money.
The growth of sustainable enterprises requires an infusion of finance and investment - debt and equity. However, because the concept of sustainable enterprise is relatively new, securing the necessary funding from conservative capital markets can be a challenge.
The relative unpredictability of environmental business sectors has led North American lenders and investors to focus on risk and liability avoidance. Although some investors have recently added positive environmental or social screens to their evaluations, these organizations and indivials are primarily in the secondary or stock markets, and are not particularly relevant for investing in small and medium sized enterprises (SMEs).
Environmentally sustainable enterprises must also improve their financial performance if sufficient new capital is to be attracted to the market.
Sustainability can add value, in terms of the economic, environmental and social objectives of communities and nations. This thinking translates the concept of sustainability into language that the average businessperson comprehends. The business that does not add value to a proct or service will be forced to leave the marketplace, especially in today's increasingly competitive global economy.
The Business Council for Sustainable Development (BCSD) argues that eco-efficiency is a key requirement of sustainable business. Eco-efficient activities bring lower costs and economic gain, which is attractive to capital markets. Companies becoming eco-efficient, as well as those supplying the technology, goods, and services that make the transition possible, will benefit.
Some investors are beginning to recognize that unsustainable practices can adversely affect business performance. New York City Comptroller Elizabeth Holtzman, declared that:
'As the emerging owner of corporate America, with a financial and future stake in corporate activity, pension funds have an obligation to speak up. Poor management decisions, sloppy stewardship of natural resources, inattention to the consequences of wasteful and hazardous proction practices, can shrink the present return on our investments, and - a more sobering prospect - diminish our world.'
Sustainable enterprises offer new opportunities through which investors and entrepreneurs can find common ground. For investors, the transition will involve developing a long-term strategy and an appreciation of opportunities in sustainable markets. Entrepreneurs will have to develop commercially attractive, sustainable enterprise opportunities, and learn how to gain access to investors who are enthusiastic about this type of market.
'Sustainable investment' is a relatively new concept, but is basically an innovative way of reconciling environmental preservation and social responsibility with economic activity, and then adding value to it all. Sustainable investment is a sophisticated way of shifting capital to companies (particularly SMEs) that are smart enough to position themselves to take advantage of opportunities arising from the new marketplace.
Sustainable investment is the same as traditional investment in that it is placed in companies that do the fundamentals well. Growth projections are based on sound management and business principles.
Sustainable investment favours SMEs that:
Have identified and developed emerging markets for their procts and services;
Devise and market technologies (both 'hard' and 'soft') that meet pressing environmental, social and economic needs;
Use every environmental efficiency that is economically viable.
However, sustainable investment differs from traditional investment in that money will come first from investors who share an understanding of the new economic paradigm of sustainability. As the sector demonstrates its ability to generate competitive returns, more investors will be attracted into it.
The challenge for sustainable entrepreneurs is to appreciate the distinct features of sustainable investment and to understand what they mean to business planning and efforts to attract capital.
㈧ "融资"用英语怎么表达
楼上是对的，但你的例句中并没有financing呀！
financing 是个多义词，包括“融资，筹措资金，理财，财务，资金等”
所以，可以用financing,但它是名词，使用时前面要加上一个动词，make financing, develop financing program.等！