Financing mode of private lending

Hello, my answer to your question is, what are the forms of private lending financing
1. Low interest rate mutual aid lending
This form is also the common folk "helping the poor", which is mainly the free or paid mutual borrowing between urban and rural residents and private entrepreneurs with their own idle funds.
The borrowers and lenders who are familiar with each other and trust each other will meet directly to agree on the amount, term and interest of the loan, which will be used for temporary fund transfers between individuals, mainly between relatives and friends, from hundreds to tens of thousands of yuan, between enterprises from tens of thousands to millions of yuan, and even single transactions up to tens of millions of yuan. The term of this kind of loan is flexible, which can be irregular, several days, or several months. The period of good personal friendship between the borrower and the borrower can be as long as several years. Mutual lending basically does not consider profits or only small benefits. The purpose of borrowing is mainly to solve the urgent needs of life and production.
2. Enterprise fund raising lending
Enterprise financing lending is mainly divided into enterprise financing and social financing. Enterprise fund-raising is mainly to borrow money from shareholders and employees or raise funds by means of equity to meet the needs of production and operation. Some enterprises also collect so-called "work deposits" from their employees, on the one hand, to stabilize their work and prevent business risks, on the other hand, to raise funds; In some enterprises, employees are entrusted to use their personal real estate as collateral to obtain loans in their own names, which are then used by the enterprise, and the interest is paid by the enterprise; The interest rate and dividend of the enterprise's fund raising are generally equal to or slightly higher than the bank's loan interest rate in the same period.
Social fund-raising mainly refers to the seasonal fund-raising of some large-scale private enterprises for the society due to temporary capital turnover difficulties. Some real estate development enterprises, in order to avoid some formal fees, or because they do not have the development qualification, fabricate social buyers as employees of the enterprise to falsely raise money to build houses, and the down payment paid by the buyers becomes the fund raised for building houses. There is also the financing of the grass-roots government, which means to raise funds from specific objects in the name of the government in order to ensure the normal construction of key projects under the administrative region.
3. High interest lending
The financing subject of this kind of loan is mainly individual and private small and medium-sized enterprises. Based on relationship and reputation, the raised funds are mostly used for the turnover of production funds. In order to find a new "way out" for idle funds, self-employed and small and medium-sized enterprise owners with relatively rich funds will provide high interest loans to some enterprises and individuals who are short of funds and need funds urgently in order to find a new "way out" for idle funds. This kind of lending characterized by credit transactions and with high interest rates is the most important way of private lending. This lending rate is determined according to the subject of the loan, the purpose of the loan, the length of the loan, and the urgency of the loan. Most of them are within four times the interest rate of the commercial bank in the same period, and the monthly interest rate ranges from 8 ‰ to 30 ‰.
4. Irregular intermediary lending