Financing Scheme Of GC Company Online Retail Business

This paper will research a traditional large and medium-sized flower wholesale enterprise GC company.Agriculture is our country to support the industry,in the tax,policy support has the advantage.But in recent years,large and medium-sized flowers by the impact of economic and policy,sales have declined,and with the formation of the concept of healthy living,small and medium-sized flower sales are increasing.GC company is a large flower wholesale enterprises,has many years of planting flowers and sales experience,due to the impact of policy and economy,GC companies large and medium-sized flower business in the last three years affected,then GC company intends to carry out online small potted plants of the retail business.But GC companies can use the cash shortage,the development of new projects need to start funding of 15 million,GC companies need financing.GC company combined with the actual situation,there are three kinds of alternative financing methods,respectively,lease financing,mortgage loans to the bank,through the third party Internet platform publishing project financing.In this paper,the characteristics of the three methods of financing,risk and cost comprehensive analysis and evaluation of three specific financing options.Through the analysis,through the network platform,the interest rate is too high,GC company can not afford the interest expense.And then calculates because of financial leasing and real estate mortgage loans to banks and the future five years cash outflow amount of present value,calculated the lease financing in the future five years cash outflow amount of present value must be less than the real estate mortgage financing.And GC company is expected to project investment in five years time to generate enough profit to repay the principal,the financing lease in the early establishment can be signed for a period of five years of contract,but bank loans are short-term,midway need to extend the financing duration,if continued loan is not approved,the GC company will face capital problem.Comprehensive judgment,this paper considers that the lease financing scheme for the GC company to carry out the optimal financing plan for online flower retail business.The study of this paper will help GC company to establish a clear financing plan,can be used as an important reference for the GC company to carry out online and small flower retail business financing decision.In addition,the research results of this paper have a certain reference value for other small and medium-sized enterprises,especially the same type of flower sales enterprises.