Financing combination refers to the combination of two or more financing types in a certain way, which is tied together to form a combination to meet one or more capital needs of the enterprise. The financing portfolio is not simply a combination of two or more businesses, but an effective combination among the available financing types according to the overall capital operation requirements of the enterprise, so as to achieve the goal of lower financing costs, more effective use of funds, more convenient operation, and more harmonious and stable bank cooperation.
According to the different stages of production and operation of enterprises, the type of financing portfolio has different requirements for the quantity and structure of funds, thus forming different financing portfolios. Generally speaking, it can be divided into three categories:
1. According to the different sources of funds, it can be divided into internal financing and external financing;
2. According to the different structure of funds, it can be divided into debt financing and equity capital financing;
3. It can be divided into long-term financing and short-term financing according to the duration of occupation.
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