A 篇 種子期企業(yè)金融知識

創(chuàng)業(yè)與融資.................................................................................................................... 2

1. 創(chuàng)業(yè)方式與融資的有何關(guān)系？............................................................................3
2. 常見創(chuàng)業(yè)方式有哪些？..........................................................................................4
3. 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

4. 如何選擇創(chuàng)業(yè)項目？..............................................................................................8
5. 創(chuàng)業(yè)項目評估方法？..............................................................................................10
6. 怎樣確定創(chuàng)業(yè)資本？..............................................................................................11

注冊資本和實收資本.....................................................................................................13

7. 注冊資本和實收資本有何異同？........................................................................13
8. 怎樣確定公司注冊資本？......................................................................................13
9. 如何合理安排實收資本？......................................................................................15
10. 哪些企業(yè)仍實行注冊實繳制？ .........................................................................16

公司股權(quán)配置 ..................................................................................................................17

11. 股權(quán)合理配置應(yīng)根據(jù)什么原則？......................................................................17
12. 怎樣加強創(chuàng)始人控制權(quán)？.....................................................................................19
13. 什么是股權(quán)分散設(shè)計？ ......................................................................................19
14. 何謂股權(quán)虛擬設(shè)計？ ..........................................................................................20
15. 股權(quán)分層設(shè)計的方法是什么？..........................................................................20
16. 怎樣建立股權(quán)激勵機制？ ..................................................................................21

創(chuàng)業(yè)資本籌措 ..............................................................................................................22

17. 創(chuàng)業(yè)資本籌措有哪些渠道？ ..............................................................................23
18. 什么是股權(quán)眾籌？ ..............................................................................................24
19. 怎樣選擇股權(quán)眾籌平臺？ ..................................................................................25
20. 發(fā)起股權(quán)眾籌應(yīng)做哪些準(zhǔn)備工作？ ..................................................................26
21. 股權(quán)眾籌操作流程是什么？ ..............................................................................28
22. 眾籌平臺收費項目有哪些？ ..............................................................................30

天使投資 ......................................................................................................................31

23. 什么是天使投資？ ..............................................................................................31
24. 天使投資人怎樣選擇創(chuàng)業(yè)項目？......................................................................32
25. 天使投資人怎樣評價項目創(chuàng)始人？.................................................................33
26. 天使投資人如何進(jìn)行投資決策？ ......................................................................34
27. 創(chuàng)業(yè)者怎樣尋找天使投資人？ ..........................................................................35
28. 天使投資與 VC、PE 有何異同？......................................................................37
29. 尋求天使投資需要注意什么問題？ ..................................................................38
30. 什么是 A 輪、B 輪、C 輪融資?.........................................................................40

寫好商業(yè)計劃書 .............................................................................................................41

31. 什么是商業(yè)計劃書？.............................................................................................. 41
32. 怎樣編寫商業(yè)計劃書？...........................................................................................42
33. 商業(yè)計劃書的核心內(nèi)容是什么？ ......................................................................43
34. 商業(yè)計劃書應(yīng)注意哪些細(xì)節(jié)問題？ ..................................................................44

融資路演 .........................................................................................................................45

35. 什么是融資路演？...................................................................................................45
36. 融資路演需做哪些準(zhǔn)備工作？ ..........................................................................45
37. 提升融資路演效果應(yīng)掌握哪些關(guān)鍵環(huán)節(jié)？ ....................................................47

開戶銀行選擇.....................................................................................................................48

38. 銀行開戶的政策規(guī)定是什么？ ..........................................................................49
39. 銀行開戶程序和收費項目有哪些？ ..................................................................49
40. 單位結(jié)算卡有什么作用？......................................................................................50
41. 什么是網(wǎng)絡(luò)銀行？...................................................................................................51
42. 企業(yè)為什么應(yīng)慎選開戶銀行？ ..........................................................................52
43. 商業(yè)銀行的企業(yè)金融服務(wù)有哪些？ .................................................................54
44. 企業(yè)的銀行服務(wù)需求分幾類？ ..........................................................................55
45. 小微企業(yè)怎樣正確選擇開戶銀行？ .................................................................56

征信與信用評級 .............................................................................................................58

46. 什么是征信？..........................................................................................................58
47. 企業(yè)征信信息從哪里來？ ..................................................................................59
48. 企業(yè)信用報告怎樣查詢使用？ .........................................................................60
49. 什么是信用評級？... ..............................................................................................61
50. 銀行客戶信用評級指什么？ ..............................................................................62
51. 信用評級符號的含義是什么？ ..........................................................................63
52. 何謂專業(yè)機構(gòu)信用評級？ ..................................................................................64

B 篇初創(chuàng)期企業(yè)金融知識

信貸市場 .........................................................................................................................69

53. 信貸市場與銀行體系是什么關(guān)系？...................................................................69
54. 銀行貸款須遵守什么基本規(guī)則？ ......................................................................69
55. 銀行貸款一般流程有什哪些？ ..........................................................................70
56. 信貸合同核心條款是什么？ ..............................................................................71
57. 什么是四單管理、三個不低于，七不準(zhǔn)、四公開？...................................73
58. 流動資金貸款分類..................................................................................................75
59. 流動資金貸款主要品種.........................................................................................76
60. 流動資金貸款一般條件.........................................................................................77
61. 固定資產(chǎn)貸款條件和程序 .................................................................................78
62. 固定資產(chǎn)貸款主要品種 ......................................................................................80
63. 什么是個人金融經(jīng)營貸........................................................................................81
64. 信貸工廠服務(wù)創(chuàng)新.........................................................................................83
65. 投貸聯(lián)動試點...........................................................................................................84
66. 什么是票據(jù)和票據(jù)市場？ .................................................................................85
67. 票據(jù)交易有幾種方式？ ......................................................................................86
68. 票據(jù)融資有哪些方法？ ......................................................................................87
69. 什么是商業(yè)承兌匯票？ . ....................................................................................88
70. 怎樣進(jìn)行商票貼現(xiàn)融資？ ...............................................................................89
71. 貿(mào)易融資工具各指哪些類型和產(chǎn)品？ ............................................................90
72. 出口信貸融資方式分幾類？ ............................................................................91
73. 什么是混合信貸融資？ .....................................................................................92
74. 什么是福費廷融資？ ..........................................................................................93
75. 什么是打包貸款？ ..............................................................................................94
76. 什么是信用證開證授信？ ..............................................................................95
77. 什么是信用證押匯融資？ ...............................................................................95
78. 什么是備用信用證？ ..........................................................................................96
79. 什么是國際保理融資？ ......................................................................................97
80. 什么是國內(nèi)保理融資？ ......................................................................................98
81. 怎樣進(jìn)行應(yīng)收賬款融資？ ...............................................................................99
82. 何謂供應(yīng)鏈金融？ ..............................................................................................100

資本市場 . ..................................................................................................................101

83. 什么是資本市場？ ..............................................................................................101
84. 多層次資本市場建設(shè)目標(biāo)是什么？ ..............................................................102
85. 股票市場層次和功能是怎樣劃分的？ .........................................................104
86. 股票上市可以開辟哪些直接融資渠道？......................................................105
87. 什么是借殼上市？ ..............................................................................................106
88. 什么是債券市場？ ..............................................................................................107
89. 什么是中小企業(yè)集合債/集合票據(jù)？ ............................................................107
90. 什么是中小企業(yè)私募債？ ..................................................................................108
91. 什么是雙創(chuàng)債？ ..........................................................................................109
92. 股權(quán)投資基金有幾種常見類型？ .................................................................111
93. 什么是產(chǎn)業(yè)投資基金？ ......................................................................................111

非銀行金融市場 ...........................................................................................................112

94. 什么是非銀行金融市場？ ................................................................................112
95. 信托投資主要產(chǎn)品有幾種？ ............................................................................113
96. 什么是中小企業(yè)集合信托？ ............................................................................113
97. 什么是融資租賃？ ..............................................................................................114
98. 融資租賃的常見產(chǎn)品有哪些？ ........................................................................115
99. 融資租賃的租金包括哪些項目？ ....................................................................116
100. 什么是 EMC 融資？.........................................................................................118
101. EMC 項目運作模式是怎樣的？......................................................................119

政策性金融.....................................................................................................................119

102. 什么是政策性金融？..........................................................................................120
103. 國家開發(fā)銀行支持中小企業(yè)發(fā)展有何舉措？.............................................120
104. 農(nóng)發(fā)行服務(wù)三農(nóng)的信貸產(chǎn)品有哪些？ ................................................121
105. 進(jìn)出口行支持外向型企業(yè)的信貸產(chǎn)品有幾類？........................................122
106. 什么是中小企業(yè)發(fā)展基金？............................................................................123
107. 國家新興產(chǎn)業(yè)創(chuàng)業(yè)投資引導(dǎo)基金的支持重點？........................................124
108. 科技成果轉(zhuǎn)化引導(dǎo)基金的投資政策？...........................................................125

商業(yè)信用市場.................................................................................................................125

109. 什么是商業(yè)信用？..............................................................................................125
110. 易貨貿(mào)易融資有幾種模式？............................................................................126
111. 應(yīng)收賬款融資方式有哪些？............................................................................127
112. 什么是商業(yè)保理融資？......................................................................................128
113. 供應(yīng)鏈融資怎樣運營？......................................................................................129
114. 何謂預(yù)收賬款融資？..........................................................................................130
115. 怎樣利用電子貨幣融資？ ...............................................................................130

互聯(lián)網(wǎng)金融 .....................................................................................................................132

116. 什么是互聯(lián)網(wǎng)金融？..........................................................................................132
117. P2P 網(wǎng)絡(luò)借貸的運作和融資方式？ .............................................................132
118. 直銷銀行目前提供哪些信貸產(chǎn)品？..............................................................134
119. 網(wǎng)絡(luò)小貸怎樣開展業(yè)務(wù)？ ..............................................................................135
120. 什么是互聯(lián)網(wǎng)金融門戶？ ...............................................................................136

民間資本市場融資........................................................................................................137

121. 什么是民間借貸？..............................................................................................137
122. 民間借貸融資需要注意什么問題？..............................................................138
123. 怎樣利用典當(dāng)融資？..........................................................................................139
124. 小額貸款公司主要提供哪些產(chǎn)品？..............................................................139
125. 村鎮(zhèn)銀行的服務(wù)定位是什么？........................................................................140
126. 農(nóng)村信用社的信貸產(chǎn)品有哪些？....................................................................141
127. 什么是企業(yè)內(nèi)源融資？......................................................................................142
128. 企業(yè)內(nèi)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

129. 什么是企業(yè)金融版圖？....................................................................................144
130. 怎樣繪制企業(yè)金融版圖？ ..............................................................................146
131. 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(hù) .............................................................................................149

132. 企業(yè)資金鏈斷裂的原因和防斷措施是什么？ .........................................149
133. 怎樣利用差時預(yù)算建立資金鏈預(yù)警？.........................................................150
134. 如何利用過橋資金維護(hù)資金鏈安全？.........................................................152

C 篇成長期企業(yè)金融知識

股權(quán)融資方法 ...............................................................................................................155

135. 股權(quán)融資有幾種方式？....................................................................................155
136. 股權(quán)轉(zhuǎn)讓融資需要什么條 ..............................................................................156
137. 股權(quán)融資對象分為幾類投資者？..................................................................156
138. 如何選擇股權(quán)投資基金？................................................................................157
139. 股權(quán)融資需要經(jīng)過哪些步驟？.......................................................................158
140. 注冊資本的元與股是否同一概念？.....................................................159
141. 增資擴股指標(biāo)如何計算？ ..............................................................................160
142. 怎樣確定引進(jìn)投資者的股權(quán)占比？..............................................................161
143. 股權(quán)融資后怎樣調(diào)整股權(quán)和資本結(jié)構(gòu)？.....................................................162

股權(quán)投資協(xié)議 ................................................................................................................163

144. 股權(quán)投資協(xié)議主要條款有哪些？...................................................................163
145. 什么是對賭協(xié)議？...............................................................................................165
146. 對賭協(xié)議跟誰賭？...............................................................................................167
147. 對賭協(xié)議賭什么？...............................................................................................168
148. 對賭籌碼是什么？...............................................................................................169
149. 怎樣防范對賭風(fēng)險？...........................................................................................170

公司估值定價 ...............................................................................................................172

150. 什么是公司估值定價？......................................................................................172
151. 什么是早期企業(yè)估值？ ....................................................................................173
152. 什么是博克斯估值法？ ....................................................................................174
153. 什么是共識估值法？........................................................................................175
154. 什么是風(fēng)投專家評估法？ .............................................................................175
155. 什么是風(fēng)險因素匯總估值法？......................................................................176
156. 公司上市前適用什么估值方法？.................................................................177
157. 何謂可比公司法？............................................................................................178
158. 何謂可比交易法？............................................................................................180
159. 什么是現(xiàn)金流折現(xiàn)法？...................................................................................181
160. 什么是梅特卡夫估值法？ ............................................................................182

區(qū)域股權(quán)交易市場（四板）掛牌須知 ................................................................183

161. 區(qū)域股權(quán)交易市場的特色和運行規(guī)則是什么？.....................................183
162. 企業(yè)在區(qū)域股權(quán)市場掛牌需要什么條件？...............................................184
163. 四板掛牌對企業(yè)融資有何幫助？.................................................................185

新三板掛牌攻略.................. .........................................................................................186

164. 新三板在資本市場的地位是怎樣的？........................................................186
165. 怎樣掌握新三板掛牌條件？..........................................................................187
166. 新三板融資方式有哪些？ ............................................................................189

創(chuàng)業(yè)板上市規(guī)劃 ..........................................................................................................191

167. 創(chuàng)業(yè)板上市特點和條件是什么？..................................................................191
168. 創(chuàng)業(yè)板上市需經(jīng)過哪些程序？.......................................................................193
169. 申報發(fā)行審查需要準(zhǔn)備哪些文件？..............................................................194
170. 股票發(fā)行審查與核準(zhǔn)的主要步驟是什么？.................................................195
171. 提交發(fā)審需要特別注意什么問題？...............................................................196
172. 技術(shù)出資為什么成為發(fā)審重點？....................................................................196
173. 私募股權(quán)投資為何成為上市障礙？...............................................................197
174. 創(chuàng)業(yè)板嚴(yán)信息披露體現(xiàn)在哪些方面？......................................................199

企業(yè)融資增信支持 .....................................................................................................200

175. 什么是信用增級？...............................................................................................200
176. 什么是擔(dān)保？.......................................................................................................201
177. 反擔(dān)保與再擔(dān)保有何異同？............................................................................202
178. 什么是信用擔(dān)保？..............................................................................................203
179. 新型融資擔(dān)保體系建設(shè)目標(biāo)是什么？..........................................................204
180. 保險增信與信用擔(dān)保有何不同？...................................................................206
181. 什么是中小企業(yè)履約保證保險？...................................................................207
182. 什么是信用保證保險？.....................................................................................208
183. 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

184. 怎樣制定企業(yè)融資方案？..............................................................................210
185. 什么是組合運用金融工具？..........................................................................211
186. 企業(yè)融資怎樣進(jìn)行合理包裝？......................................................................213
187. 怎樣制作融資申請文件？ .............................................................................214
188. 融資方案的組織實施的方法策略是什么？...............................................215