【中文版】

融资是指企业或个人向投资者、银行等融资渠道借贷资金来筹集资金的行为。它是一种经济活动，主要用于企业或个人的投资、经营和消费等方面。

融资通常分为直接融资和间接融资。直接融资是指企业或个人直接向投资者借贷资金，如发行股票、债券等。间接融资是指企业或个人通过银行等金融机构借贷资金，如贷款、存款等。

在直接融资中，发行股票和债券是最常见的形式。股票是由公司发行，用于筹集资本以扩大经营规模的一种有价证券。债券是由公司或政府发行，用于筹集长期资金的一种债务凭证。

在间接融资中，银行贷款是最常见的形式。银行贷款是指银行根据借款人的信用状况和资产实力，向借款人提供一定期限内的贷款。存款是指银行吸收存款人的存款，并将其用于发放贷款或进行投资等。

除了股票、债券和银行贷款之外，还有许多其他的融资方式，如租赁、典当、商业票据等。这些融资方式各有其特点和适用范围，企业或个人应根据自身的实际情况选择最适合的融资方式。

总的来说，融资是企业或个人筹集资金的重要手段之一，它有助于促进经济发展和企业成长。同时，融资也需要注意风险和合法性等问题。

【英文版】

Financing refers to the act of borrowing funds from investors, banks and other financing channels for enterprises or individuals to raise capital. It is an economic activity mainly used for investment, operation and consumption of enterprises or individuals.

Financing is usually divided into direct financing and indirect financing. Direct financing refers to enterprises or individuals borrowing funds directly from investors, such as issuing stocks and bonds. Indirect financing refers to enterprises or individuals borrowing funds through banks and other financial institutions, such as loans and deposits.

In direct financing, issuing stocks and bonds are the most common forms. Stocks are issued by companies to raise capital for expanding business operations. Bonds are issued by companies or governments to raise long-term funds as a debt instrument.

In indirect financing, bank loans are the most common form. Bank loans refer to the bank providing a certain period of loans to borrowers based on their credit status and asset strength. Deposits refer to the bank absorbing deposits from depositors and using them for lending or investing.

In addition to stocks, bonds and bank loans, there are many other financing methods, such as leasing, pawning, commercial paper, etc. Each financing method has its own characteristics and scope of application. Enterprises or individuals should choose the most suitable financing method based on their actual situation.

Overall, financing is one of the important means for enterprises or individuals to raise funds, which helps promote economic development and enterprise growth. At the same time, financing also needs to pay attention to risks and legality issues.