Equity是股票，Debt是债券，Loans是贷款。企业的利润，要以分红分给股票持有人，而债券是以固定的利息每年或固定时间支付，期间债券还是有价格的可以转让，有个票面价值。而贷款跟债券的区别就是，贷款不可以转让，到时候一起还款和支付利息。
&p&Equity: 通过出让股权得到投资者（比如VC/Angel Investor/etc.）注资。&br&
Debt: 通过发行企业债券进行的融资。&br&
Loan: 通过向金融机构申请贷款进行的融资。&/p&
Equity: 通过出让股权得到投资者（比如VC/Angel Investor/etc.）注资。
Debt: 通过发行企业债券进行的融资。
Loan: 通过向金融机构申请贷款进行的融资。
我认为在这里应该是企业三种融资方式：贷款、发债、发行股票。
我认为在这里应该是企业三种融资方式：贷款、发债、发行股票。
已有帐号？
无法登录？
社交帐号登录loan，debt，equity 有什么区别？
按投票排序
Equity: 通过出让股权得到投资者（比如VC/Angel Investor/etc.）注资。
Debt: 通过发行企业债券进行的融资。
Loan: 通过向金融机构申请贷款进行的融资。
我认为在这里应该是企业三种融资方式：贷款、发债、发行股票。
先说equity(股权融资):对于缺钱的公司来说，用equity来融资的话，一旦融资完成，股权结构和企业控制权就变了。86年的西游记拍了六年之久，就是因为它的投资方不允许导演用equity融，这样会稀释权利。再说debt(债权融资)和loan(贷款融资):debt包含了loan,范围上debt要比loan更大。像bond,debenture都也算是debt这家子的。最后举个栗子:你要做西红柿炒鸡蛋的话，家里没有西红柿，怎么办呢。找妈妈要西红柿，那炒出来的菜要分给妈妈吃吧。---这是equity如果找陌生人借西红柿，那就还本付利就完了。--这是debt
在 assets = liabilities + shareholders' equity 里，Equity是属于shareholders' equity的，debt和loan都属于liabilities。equity是通过发行股票债券产生的，debt是欠别人或者别的公司企业的，loan是欠银行或者金融机构的。equity是你的钱，debt是债务是别人的钱，equity+debt=capital资本，equity和debt是一个级别的；loan从某种意义上是debt的一个分支，和bond、stock是一个级别的。当然也有一说，loan暗含是借给别人的，debt更倾向于是欠别人的。主要还是看在什么方面用，会计和金融里面的定义好像不是很相同。
equity发行股票融资。投资人拥有的是该公司的所有权。debt和loan都是liabilities（其实我之前一直以为debt=liabilities...），投资人是公司的债权人，相对于equity来说，有优先顺位求偿权。debt是在直接金融市场发行的，所以投资人可以知道自己的资金流向；loan是在间接金融市场进行的，企业可能向银行、保险公司等金融机构贷款，这些金融机构成为了名义上的「债权人」，而真正的债权人（比如说储户），很有可能是不知道自己的资金流向的。一点浅见，不知道准不准确。
Equity是股票，Debt是债券，Loans是贷款。企业的利润，要以分红分给股票持有人，而债券是以固定的利息每年或固定时间支付，期间债券还是有价格的可以转让，有个票面价值。而贷款跟债券的区别就是，贷款不可以转让，到时候一起还款和支付利息。
已有帐号？
无法登录？
社交帐号登录Debt vs. Equity -- Advantages and Disadvantages - FindLaw
In order to expand, it's necessary for
to tap financial resources. Business owners can utilize a variety of , initially broken into two categories, debt and equity. &Debt& involves borrowing money to be repaid, plus interest, while &equity& involves raising money by selling interests in the company.
Essentially you will have to decide whether you want to pay back a loan or give shareholders stock in your company. The following table discusses the advantages and disadvantages of .
Advantages of Debt Compared to Equity
Because the lender does not have a claim to , debt does not dilute the owner's ownership interest in the company.
A lender is entitled only to repayment of the agreed-upon principal of the
plus interest, and has no direct claim on future profits of the business. If the company is successful, the owners reap a larger portion of the rewards than they would if they had sold stock in the company to investors in order to finance the growth.
Except in the case of variable rate loans, principal and interest obligations are known amounts which can be forecasted and planned for.
Interest on the debt can be deducted on the , lowering the actual cost of the loan to the company.
Raising debt capital is less complicated because the company is not required to comply with state and
and regulations.
The company is not required to send periodic mailings to large numbers of investors, hold periodic meetings of , and seek the vote of shareholders before taking certain actions.
Disadvantages of Debt Compared to Equity
Unlike equity, debt must at some point be repaid.
Interest is a fixed cost which raises the company's . High interest costs during difficult financial periods can increase the risk of insolvency. Companies that are too highly leveraged (that have large amounts of debt as compared to equity) often find it difficult to grow because of the high cost of servicing the debt.
Cash flow is required for both principal and interest payments and must be budgeted for. Most
are not repayable in varying amounts over time based on the business cycles of the company.
Debt instruments often contain restrictions on the company's activities, preventing management from pursuing alternative financing options and non-core business opportunities.
The larger a company's debt-equity ratio, the more risky the company is considered by lenders and investors. Accordingly, a business is limited as to the amount of debt it can carry.
The company is usually required to
to the lender as collateral, and owners of the company are in some cases required to personally guarantee repayment of the loan.
Getting Legal Advice About Business Financing
Deciding whether to finance your new business venture through loans or giving shareholders a stake in your company is a serious matter and you should understand your options before making this decision. Contact a
today to answer you questions, help you review your options, and more.
Next Steps
Contact a qualified business attorney to help youaddress the finances vital to your business.
(e.g., Chicago, IL or 60611)
Help Me Find a Do-It-Yourself Solution
Recent Small Business Discussions
Subscribe to RSS headline updates from: Powered by FeedBurner
Subscribe to RSS headline updates from: Powered by FeedBurnerAdvertisement
There is no better way to ascertain the financial health of any company than studying its balance sheets. One of the important financial parameters which needs to be considered in such a study, is the long term debt-to-equity ratio. It determines the amount of debt liabilities of any company.
Every business has a certain amount of debt which it acquires through loans, to finance its business initiatives and projects. However, every new acquired debt comes with a substantial amount of risk and financial burden, while also providing an opportunity to expand, grow, and acquire new assets. As long as the borrowed money is well invested and generates sizable returns, the debt burden is not that difficult to carry, but when the profit margins dry out, debt burdens can crush and bring a company to bankruptcy.
Definition
There are many ratios which are defined to evaluate the financial health of any business. In the simplest words, debt-to-equity ratio is the value obtained, when the amount of liabilities of a company, are divided by the total equity holding of shareholders. When only long-term debts are included as liabilities, the calculated parameter is called long-term debt-to-equity ratio.
As simple arithmetic will reveal, larger the accrued debt of a company, higher is the ratio going to be. All debts come at a cost, which is the interest rate charged on the principal amount of borrowing and they eat into the profit margins of a company. So, unless a fresh cash infusion through a mortgage loan is going to add to the profit margins of a company, it's a bad business decision overall. Still, risks need to be taken and certain investments take time to bear fruit. In such cases, a company may risk a high debt-to-equity ratio, with the hope of making profits in the long term.
To be able to calculate the ratio, you need to have access to some crucial financial data, that includes the long-term debts of the company, along with the valuation of the shareholder's equity holding. The formula is as follows:
Long Term Debt-to-equity Ratio = (Total Long Term Debts/Shareholder's Equity Value)
As mentioned before, you only consider long-term debts like mortgage loans on land and other assets, while making this calculation. A low ratio value means that the company is in relatively good shape, with assets that can keep it buoyant with manageable debt. A very high ratio value means that the company has borrowed heavily and is in a risky financial position, unless bailed out by good performance overall and good quarterly profit margins.
A high value of this ratio is bad news for a company as it cuts into the profits and weighs heavily on the overall finances. On the other hand, a low debt-to-equity ratio indicates that the company is in overall good health and is a comparatively better stock investment option, as debts are not cutting into its profits to a large extent.}