为分清纷繁复杂的融资方式,我们可以借用直接融资和间接融资这两个概念。虽然两者都有自己的服务对象及其对企业发展阶段的选择,但它们都是中小企业寻求资金帮助不可或缺的手段。鉴于间接融资,如银行贷款等都需要企业抵押已有资产以证明其风险抵偿能力的高门槛,中小企业往往更倾向于选择直接融资的方法,因为它更具亲和力。随着资本市场的不断发展,直接融资行业明显呈现出向好的态势,并且也出现了许多新的服务机构和新的服务模式。 To distinguish the complicated financing methods, we can borrow the concepts of direct financing and indirect financing. While both have their own constituencies and their choice of stage of enterprise development, they are all indispensable tools for SMEs seeking financial help. Given that indirect financing, such as bank loans, requires companies to mortgage existing assets to justify their high risk appetite, SMEs tend to prefer direct financing because they are more intimate. With the continuous development of the capital market, the direct financing industry clearly shows a favorable trend, and many new service agencies and new service modes have also emerged.