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varies between each type of loan and according to how much risk the bank feels there is. To the internal resources such as personal savings and retained savings, it cost little but just suit for the small needs of capital.
As for the external sources, its cost is also different for different choices. Interest is the fee for borrowing the bank's money, which accumulates based on how much of the loan is used and how long it takes the business to pay back the funds. To apply for a bank loan, business owners must provide the financial institution with a proposal for why the funding is necessary, as well as evidence that the business will succeed. It takes too much time. The ownership capital has an instability payment. A company must restrict its self-financing through retained profits because shareholders should be paid a reasonable dividend, in line with realistic expectations, even if the directors would rather keep the funds for re-investing .When corporate profits more and the need of reserve is small, shareholders may get more income from the company, otherwise none or little. So it all depends. But this kind of finance resource will weaken the control of the company. As for the venture capital, its target points the high risk and high-tech industry, the venture capitalists sharing risk and benefits with the company. Their services are useful for companies because they will often offer financing in higher-risk scenarios than banks. However, they will often demand a certain percentage of ownership in the company and/or a high interest rate as a result of taking too much profit away from the company. What’s worse, the venture capital always out of the funds as soon as the company grow up successfully, it makes the company have to search for other ways to raise funds preparing for future development.. So choose the right way to raise funds is necessary for company to save cost.

5. the importance of financial planning  财务规划重要性
Finance is important to everyone in the world not for individuals but also for firms. With the rapid development of society, people become to realize this. But the problem is how to use it properly and effectively. The best way is financial planning. It is important to create a financial plan to give yourself the peace of mind that allows you to give your full focus to your business.
To individuals, financial planning is an evolving plan that changes as you grow in your career path and move on in your life stages, it is a plan that needs to be reviewed as the circumstances changes. The importance of a financial plan is to not only look at today but tomorrow and into the distant future as well. Though we don't know what may lie ahead in our financial business path we need to prepare.
Financial planning ensures that you have money available to meet your present needs and put money away for the future .There is big payoff in sitting down and creating a budget, setting goals and determining how you will use your finances. It allows you to put money into savings to use in the future or in case of emergency. By following a budget and setting goals, you can create plans for saving up for the things that you really want.
Financial planning actually makes things a lot easier especially to a big company. Good financial planning is essential to the success of any business. It requires an understanding of the financial statements and the ability to analyze t本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。