Project financing and digital currency

1.

1. The concept range is different. bitcoin is a kind of digital currency, and the concept of digital currency covers bitcoin

However, some digital currencies have independent issuers

The biggest difference between bitcoin and other virtual currencies is that the total quantity of bitcoin is very limited and it has a strong scarcity. The monetary system used to have no more than 10.5 million in four years, after which the total number will be permanently limited to 21 million

digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. Bitcoin is a digital currency

digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold

today's digital currencies, such as bitcoin, lettercoin and ppcoin, are electronic currencies created, issued and circulated by means of check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency

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illegal digital currency

in recent years, "virtual currency" represented by bitcoin, Ethernet currency and Leyte currency has been traded centrally on some Internet platforms. With the help of financial technology, the price of these "currencies" has graally spread to investment, financing and other financial fields, which has aroused wide attention from all walks of life

not long ago, the people's Bank of China and other seven ministries and commissions jointly issued the announcement on preventing the financing risk of token issuance, which clearly regulated the relevant behaviors. Experts pointed out that "virtual currency" is not legal tender (legal currency) issued by monetary authorities, but a specific virtual commodity in essence

therefore, it is undoubtedly a great legal and economic risk to think that "virtual currency" has or will have the nature of legal tender and to carry out speculation, network fund-raising, lending and financing

2. I can only say that there is no money for this platform. I invited dozens of people to it. At the beginning, a few people can be rewarded with about 3 yuan, and then they can be rewarded with a few cents. There is also the requirement of advertising revenue. It is required to invite more than 50 active friends to get dozens of yuan. I want to say whether your own software can achieve this level of activity. Is it not a bit hard to count? It's suggested to make a few yuan, but don't invest money to play, jukeng!

3. The differences between project financing and traditional financing are as follows:
1
the object of project financing is the project company, and the lender takes the asset status of the project company and the economic income created after the project is completed and put into operation as the consideration principle of issuing loans. In the traditional corporate financing, the object of the lender's financing is the project sponsor. When the lender decides whether to invest in the company or provide loans for the company, it mainly depends on the company's current reputation and asset status as well as the guarantee provided by the relevant units
2. Different financing channels
in project financing, the construction funds required for engineering projects are characterized by large scale and long term, so diversified financing channels are needed, such as project loans, project bonds, foreign government loans, loans from international financial institutions, etc. In the traditional company financing, the project is usually a single financing channel because of less planning and short term
3. The nature of recourse is different
the outstanding feature of project financing is limited recourse or no recourse. The lender can not recover the assets of the project sponsor other than the project assets and the related guarantee assets. In the traditional corporate financing, the bank provides funds with full recourse. Once the borrower is unable to repay the bank loan, the bank will exercise the right to dispose of the borrower's assets to make up for the loss of the loan principal and interest
4. Repayment sources are different
the repayment of project financing is based on the income after the project is put into operation and the assets of the project itself. In the traditional corporate financing, as the source of capital repayment, all the assets and income of the project sponsor
5. The guarantee structure is different
project financing generally needs a rigorous and complex guarantee system, which requires a large number of units having an interest in the project to guarantee the possible risks of debt funds. In the traditional corporate financing, the guarantee structure is generally single, such as mortgage, pledge or guarantee loan

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response time: April 2, 2021. Please refer to the official website of Ping An Bank for the latest business changes
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4. The financing subject of enterprise financing is the existing enterprise
the financing subject of project financing is the project company to be established
enterprise a has a piece of land and wants to develop commercial housing for sale, but the money is not enough. He went to finance and took it to develop this land. This is enterprise financing
enterprise a has a piece of land and wants to develop commercial housing for sale, but the money is not enough. He went to finance, and took the land as the capital contribution, and set up a company with another investor (financing object) to develop the land, which is project financing.

5. Project financing refers to the type of financing in which the lender provides loan agreement financing for a specific engineering project, has the right to claim repayment for the cash flow generated by the project, and takes the project assets as collateral guarantee. It is a kind of financing method that takes the future income and assets of the project as the capital source and security guarantee to repay the loan
source: http://ke..com/link?url=DY295BE4m-drmlyHbG4Qwh-phKZUqvECaG-e1-gvE-6xLA-

6. Project financing refers to the establishment of a new project legal person for the construction and operation of a project, the project company, which completes the investment, construction, operation and loan repayment of the project. Its basic characteristics are that the investment decision of the project is made by the project sponsor (enterprise or government), and the project sponsor initiates the establishment of the project company; The project company is financially independent, repays its debts with the profitability of the project itself, and undertakes the debt guarantee responsibility with its own assets. Creditors only have recourse to the assets and profitability of the project itself, but have no recourse to the project sponsor. Under this kind of financing structure arrangement, whether the project can repay the loan only depends on whether the project has reliable and sufficient financial benefits, so it is also called "cash flow financing". At the same time, in this form of financing organization, whether the structural arrangement of debt and equity is reasonable or not directly affects the cash flow of the project and the risk of repayment of principal and interest, so it is also called "structural financing". The investment project in the form of project financing organization is generally a new project, but it can also be an investment project of reconstruction and expansion project that divests part of the assets of the existing enterprise and establishes a new project legal person on this basis. It is generally a new project, but it can also divest part of the assets of the existing enterprise, On this basis, a new reconstruction and expansion project of project legal person will be established.

7.

1. The loan object is different

the object of project financing is the project company, and the lender takes the asset status of the project company and the economic income created after the project is completed and put into operation as the consideration principle of issuing loans. In the traditional corporate financing, the object of the lender's financing is the project sponsor. When the lender decides whether to invest in the company or provide loans for the company, it mainly depends on the company's current reputation and asset status as well as the guarantee provided by the relevant units

The financing channels are different

in project financing, the construction funds needed for engineering projects have the characteristics of large scale and long term, so diversified financing channels are needed, such as project loans, project bonds, foreign government loans, loans from international financial institutions, etc. In the traditional company financing, the project is usually a single financing channel because of less planning and short term

The nature of recourse is different

The outstanding feature of project financing is limited recourse or no recourse. The lender can not recover the assets of the project sponsor other than the project assets and the related guarantee assets. In the traditional corporate financing, the bank provides funds with full recourse. Once the borrower is unable to repay the bank loan, the bank will exercise the right to dispose of the borrower's assets to make up for the loss of the loan principal and interest

The sources of repayment are different

the repayment of project financing is based on the income after the project is put into operation and the assets of the project itself. In the traditional corporate financing, as the source of capital repayment, all the assets and income of the project sponsor

The guarantee structure is different

Project financing generally needs a rigorous and complex guarantee system, which requires a large number of units having an interest in the project to guarantee the possible risks of debt funds. In the traditional corporate financing, the guarantee structure is generally single, such as mortgage, pledge or guarantee loan

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financing channels

1. When banks need financing, the first thing you think of is banks. Bank loans are known as the "reservoir" of venture financing. Because banks have strong financial resources and most of them have the background of the government, they have a "mass base"

2. Financing platform

e to the difficulty of financing from banks, the third-party financing platform is a good choice for financiers. For example, the largest third-party financing platform in China provides professional investment and financing information services

Credit card with the innovation of commercial banking business, the settlement method of credit card is becoming more and more electronic. The electronic currency of credit card is not only fashionable, but also feasible for business people to obtain certain funds through credit card when they are in urgent need of turnover

4. Policy pledge

does the insurance company "lend" money to the insurer? A lot of people may be surprised, but this business has indeed emerged. If the policyholder is in financial difficulties or in urgent need of capital turnover, he can pledge his insurance policy to the insurance company and get the loan from the insurance company according to the relevant regulations and proportion

5. Pawnbroking is probably the most vital instry since ancient times. Through the pawnshop to obtain funds, also graally began to be known to the people. Gold, jewelry, home appliances, real estate and motor vehicles can be pawned, and securities can be used as collateral

This is also a way to solve personal capital needs. To put it simply, the provider of funds lends the funds to the demander through the commercial bank, and the borrower returns the principal and interest to the bank account opened by the other party on time. The interest rate will rise by 30% on the basis of the loan interest rate of the people's Bank of China in the same period, and the details will be agreed by both parties

8. In project management, project is generally defined as a unique activity with time limit and purpose. For example, having a birthday party, building a villa, developing a new proct, running an enterprise and so on
the question asked by the owner should be the general aspects of the project in the project financing, or the scope of application of the project in the project financing< In general, it is more applicable to
resource development projects: exploitation of oil, natural gas, coal, iron, copper and other projects
Infrastructure Construction: Construction of railway, highway, port, telecommunication and energy projects, development of real estate and other projects
manufacturing projects
at present, China's project financing is mainly concentrated in roads, power plants, power plants and other instries Sewage treatment and other infrastructure projects.