第一篇：初中英語作文：你喜歡哪種方式的旅行？

初中英語作文：你喜歡哪種方式的旅行？

Directions：For this part you are allowed thirty minutes to write a composition on the topic Which Mode of Travel Do You like？ You should write noless than 150 words and base your composition on the outline（given in Chinese）below：

1.有的人喜歡參加旅行社旅游（package tours）

2.有的人喜歡自己獨(dú)立行動（travelling on one's own）

3.比較這兩種旅游方式，我喜歡的是……

范文：

With the general standard of living improvingand the working week becoming shorter，more andmore people are able to make a holiday trip toplaces of interest.While many like to joinpackage tours fro convenience，I prefer to traveln my own.I like travelling on may own not only because it costs much less but because it gives a great degree of independence and freedom.Travelling on my own，I'm my own boss；and can decide when to start on my way，where to linger a little longer and which spot can be skipped over to save energy or time for another spot.I can always adjust my plan.On the contrary，in a package tour you're deprived of as much freedom as in a military base.At the sound of the whistle，you have to jump up from a sound sleep and，with heavy-lidded eyes，hurry to the gathering place where you are collected and counted to board a coach.At the sight of the little flag waving，you must immediately take yourself away from the scenes you are marveling at and follow the guide whose sole interest is to cover all spots according to him strict schedule，regardless of the weather or your health condition.True，you may encounter inconveniences if you travel individually，for instance，getting accommodations for the night and finding a place for meals.But nothing can be compared with the freedom which is vital to a person who takes a holiday trip mainly to escape from constraints of his routine life.

第二篇：信貸消費(fèi),你選哪種方式？

信貸消費(fèi)，你選哪種方式？

作者：李曉2011-11-8 10:06:40

近年來，超前消費(fèi)悄然升溫。據(jù)了解，在“80后”高學(xué)歷消費(fèi)群體中，超前消費(fèi)、預(yù)期消費(fèi)意識強(qiáng)烈，明顯的標(biāo)志是他們積極參與信貸消費(fèi)。這些消費(fèi)群體對專業(yè)化、個性化的購物環(huán)境和服務(wù)表現(xiàn)出濃厚興趣，是消費(fèi)潮流的創(chuàng)造者和引導(dǎo)者。那么，當(dāng)我們需要信貸消費(fèi)時，消費(fèi)信貸與其他信貸方式相比有何不同?

消費(fèi)信貸vs信用卡貸款

信用卡的融資額度更大：從融資額度來看，相較之下,銀行對符合條件的客戶發(fā)放較高額度的信用卡，一些信用卡金卡額度甚至有上百萬元;而消費(fèi)金融公司向個人發(fā)放消費(fèi)貸款的余額不得超過借款人月收入的5倍。還款期限不同：信用卡的還款時間是30天左右，商場分期付款最長為36個月;而金融公司的還款期限為1年。

消費(fèi)信貸vs銀行無擔(dān)保產(chǎn)品

消費(fèi)信貸申請程序簡單：消費(fèi)信貸客戶只要信用紀(jì)錄良好，就可在短時間內(nèi)獲得貸款，最快一筆只需半小時;銀行無擔(dān)保產(chǎn)品實(shí)際申請要等待很長時間，辦理手續(xù)復(fù)雜。銀行無擔(dān)保產(chǎn)品還有收入限制，對客戶身份的要求是每月稅前收入3000元，只要滿足這個條件，同時，客戶在央行的信用紀(jì)錄良好，貸款額度就相對較大。

消費(fèi)信貸vs典當(dāng)行貸款

消費(fèi)信貸和典當(dāng)行貸款對客戶提供的服務(wù)差別較大：從資金核算的角度來講，消費(fèi)信貸平均1年的貸款期限超過了典當(dāng)行最佳貸款期限3個月的底線。典當(dāng)行小額貸款需要抵押品，消費(fèi)信貸可以實(shí)現(xiàn)無擔(dān)保、無抵押貸款，而典當(dāng)行必須拿到客戶抵押的票據(jù)或車輛才放貸。

第三篇：旅行的作文初中英語（實(shí)用6篇）

篇1：初中英語作文 旅行

We take a holiday of 7 days because of the National Day.As we all know，October 1 is the National Day of China in Gregorian calendar.

In the holiday I went to visit the Yellow River Forest Park togeter with three of my classmates.It was very boring when staying in the bus for a long time，which made me doze off all the time，and at some time，I nearly struck my head on the chair in the front of me.After two hours' journery by bus，we finally got to the park.But to my disappoint，there was nothing intresting here，which were quiet normal things.Compared with the my school I stayed in，here was very noisy and messy.

Though the park is beside the Yellow River，the air is still a little smelly because there are a lot of animals such as horses，cocks and so on here，which make lots of wastes every day while few people clean them.In a word，the park is not so good as I had expected，and I felt unsatisfied about it.

[初中英語作文 旅行]

篇2：旅行的初中英語作文

關(guān)于旅行的初中英語作文

There is a saying that “You can either travel or read, but either your body or soul must be on the way.” With the improvement of living standards, more and more people have time and money to travel. During traveling, one can meet various people, make new friends and experience various lifestyles of different places.

Almost everyone has their own favorite place to travel because of specific reasons, such as the people, climate or scenery of that place, the influence of friends or some beautiful memories and so on.

Nowadays, people do not have to think much about transportation. People can travel by car or driving themsleves to near places, or by train, plane to far places. So, if you have a place want to travel, just go and relax yourself.

有句俗話說：“你可以了去旅行或者閱讀，但是你的身體和靈魂必須在路上。”隨著生活水平的提高，越來越多的人們有時間和金錢去旅游。在旅游期間，可以見到形形色色的人，交新朋友，在不同地方體驗(yàn)不同的.生活方式。

由于具體的一些原因，基本上每個人都有他想要去旅游的地方。比如：那里的人、氣候或者風(fēng)景。朋友的影響或者一些美好的回憶等等。

現(xiàn)在，人們不用為交通問題思考太多。他們可以坐汽車，自己開車到附近的地方，或者坐火車，飛機(jī)去遠(yuǎn)一點(diǎn)的地方。所以，如果你有想要去旅游的地方，盡管去放松自己。

篇3：初中英語作文關(guān)于外出旅行

Shenzhen Ocean Park

One of my most memorable trips was to shenzhen Marine park. I jumped up as soon as I went in, wow, a big house, like a private house, I started asking questions. I am full of praise for this house.

We come to the aquarium, where there are fierce sharks, lovely dolphins, timid turtles, and so many sea animals! Let me be during pick up, walk to the ocean theatre, dolphins, sea lions performance, clown diving is the most wonderful, funny, lovely clown, jumped into the water from the diving platform, all wet and there is a clown jump into the water, some threw a life buoy to another clown head,... It is.

We went swimming again by the sea, and a wave of sea water came upon me, ah! So comfortable! The sea washed away the sand by the sea, feet on the sand, soft, feel good!

We picked up a lot of shells on the seashore, different shape, big and small, triangular, 栯 round, color variety, beautiful!

After dinner, we went to the beach to catch crabs and found a small crab. I quickly caught it with my hands. Ah! It was a big harvest. We caught six crabs. We went back to the hotel happily.

This trip has taught me a lot of knowledge and is also my happiest.

篇4：初中英語作文關(guān)于外出旅行

Detian, with the world's fourth largest international waterfall, is China's border, the scenery is unique and charming!

During the “eleven” holiday, my parents and I followed the guide on the trip to detian, guangxi. Along the way, the scenery was pleasant. The black hills rose from the sky, and they were not connected. Some were like the prime of the world, some like a great buffalo, some like a tortoise, and many shapes and shapes. In the field, the cattle are eating the grass leisurely. I can't tell which one is a real cow and which one is stone.

What's more, the mountain seats in Vietnam are facing Vietnam, and China's mountains are facing China, creating a unique spectacle, which is really interesting.

Before we knew it, we had come to the heavens, and the waterfall seemed like a white cloth hanging high. I couldn't wait to get out of the car, straight to the bamboo raft, and quickly took out my camera and took pictures of the beautiful landscape. The waterfall is more than 70 meters high, more than 240 meters wide and three tiers of terraces, magnificent and magnificent.

I've been looking forward to getting close to the waterfall. The sound of the water was clear and clear, the wind blew, the water came to me, it felt like drizzle, it was cool!

Soon we were at the foot of the falls. Looking up, the waterfall was like a silver dragon rushing down from the top of the mountain, as if to engulf us, and then the splash of water, blurring my eyes. The cheers of the people and the noise of the falls played a wonderful jazz song. The beautiful music was still going on, and the river had been quietly flowing to Vietnam. Close to the Vietnamese board about waterfall, by contrast, is more small, but they are not to be outdone, have been trying our best to show their elegant demeanour, is like a small white dragon in the water, as if in the waterfall than with China. The two countries' waterfalls are closely linked, and the friendship between the two countries keeps flowing.

At the edge of the waterfall, the trees are green and green, presenting a lively scene. The lush trees and the silver falls reflected in the water formed a beautiful natural landscape.

篇5：初中英語作文關(guān)于外出旅行

A happy summer vacation is coming to an end. For many students, the two months are colorful and happy. Because they can play and broaden their horizons. My two months are busy, but I feel very proud. Because I got a lot of gains in these two months.

One, three, five mornings a week, I go to the class in oseveral, two, four, six morning to learn English. In the afternoon, I also go to the dancing school to practice dancing. It's not easy to look forward to Sunday, and I have to do my summer homework. I'm too busy to do it. Even though I sometimes feel very reluctant, I feel like I'm going to school for the summer. But every day when I saw my mom and dad work hard to pick me up, and I was busy with my work, I finally understood my parents' good intentions. They are hoping that through my efforts, I will be able to perform better in the new semester. In order to live up to their expectations of me, I have listened attentively and actively in class every day, and learned a lot of knowledge. What is called a point of ploughing, a harvest. Sure enough, my efforts paid off. My English was the first in the cram school and the Olympic number five. It also makes me understand that hard work pays off.

On the dance side, I learned to flip, front and back, hold the legs, hold the front legs, and grab the legs... On July 15, I was lucky enough to attend the opening ceremony of the “angel cup” party's basic knowledge raffle party. More to my delight, because of my efforts, the dance teacher told me that I could jump straight after school. During this summer holiday, I also deeply felt the love for our teacher. Since the establishment of our class blogosphere, there are few students who have started blogging, not many. Our blogosphere is always cold and clear. But the teacher is not disheartened, but continuously encourages us to be active in the blog, tell us to need to communicate more, to improve altogether.

篇6：關(guān)于旅行的初中英語作文

關(guān)于旅行

There is a saying that “You can either travel or read, but either your body or soul must be on the way.” With the improvement of living standards, more and more people have time and money to travel. During traveling, one can meet various people, make new friends and experience various lifestyles of different places.

Almost everyone has their own favorite place to travel because of specific reasons, such as the people, climate or scenery of that place, the influence of friends or some beautiful memories and so on.

Nowadays, people do not have to think much about transportation. People can travel by car or driving themsleves to near places, or by train, plane to far places. So, if you have a place want to travel, just go and relax yourself.

有句俗話說：“你可以了去旅行或者閱讀，但是你的身體和靈魂必須在路上?！?隨著生活水平的提高，越來越多的人們有時間和金錢去旅游。在旅游期間，可以見到形形色色的人，交新朋友，在不同地方體驗(yàn)不同的生活方式。

由于具體的一些原因，基本上每個人都有他想要去旅游的地方。比如：那里的人、氣候或者風(fēng)景。朋友的影響或者一些美好的回憶等等。

現(xiàn)在，人們不用為交通問題思考太多。他們可以坐汽車，自己開車到附近的地方，或者坐火車，飛機(jī)去遠(yuǎn)一點(diǎn)的地方。所以，如果你有想要去旅游的地方，盡管去放松自己。

我喜歡旅行

I most like to travel! Travel makes me have fun, and can learn a lot, then I to introduce you to the place where I feel funny, everybody follow me go travel together!

Every time I go to the most place is hangzhou, go to all feel a lot of fun. Summer can go to west lake for a walk, play would be.

You can go to the prince bay park in March to appreciate the beautiful cherry blossoms and gorgeous tulips.

If students want to get a lot of knowledge, I suggest that we can go to hangzhou science and technology museum, there are a lot of science show allows us to try myself.

Shaoxing is the place where I have been to the deepest impression, why? Because the day I first go to shaoxing shaoxing hospital, I had a high fever 40 degrees, also want to know when I was only 4 years old ah, can put the ssi urgent is broken, straight Shouting regret taking me out to play, then mom said to me, if you want to swim in shaoxing, tomorrow I must be able to keep the fever down. Strange to say, in order to swim the day I really cooled down, is really god to help me also. Ha ha, is also a doctor attributed to aunt! The next day I play a day, a good thing they have been dying for ssi also always think I'm good. In shaoxing, I visited the former residence of lu xun's grandfather, ancestral, swimming for yu ling, herbals, shen garden, etc.

Then I want to say, hengdian is fun place. There's really big ah, every scenic spots have to spend two or three hours. There's a lot of film and television production, I saw a lot of performances, there the first time I have bought a 褀 robe.

Say again let's own here, we have yuhuan park, agricultural sightseeing garden, I think may the students have been to all of these, I think is interesting, there is a place that is mom took me to the LuPu rape and pick strawberries to eat. I'm having a great time that day.

I most like to travel!

我最喜歡旅行了! 旅游讓我既玩得開心，又能學(xué)到很多知識，接下來我向大家介紹一下我覺得好玩的地方，大家跟著我一起旅游去吧!

我去的最多地方就是杭州，每次去都覺得很好玩。夏天去可以西湖走走，宋城玩玩。

三月份去就可以去太子灣公園欣賞漂亮的櫻花和絢爛的郁金香。

如果同學(xué)們想要獲得很多知識，我建議大家可以去杭州科技館，那兒有很多科學(xué)展示可以讓我們自己動手去試。

紹興是我去過的地方印象最深的，為什么呢?因?yàn)槿ソB興的那天我首先逛的是紹興醫(yī)院，我發(fā)高燒了，還40度呢，要知道當(dāng)時我才只有4歲呀，可把老爸老媽急壞了，直喊著后悔帶我出來玩，后來老媽對我說：如果想游紹興，到了明天我必須能退燒了。說也奇怪，為了能游我真的第二天退燒了，真是老天助我也。哈哈，其實(shí)也是醫(yī)生阿姨的功勞!第二天我就好好的玩了一天，這件事情對老爸老媽來說他們一直后怕也一直覺得我好厲害。在紹興我參觀了魯迅爺爺?shù)墓示?，祖居，游了大禹陵，百草園，沈園等。

接下來我要說的好玩地方就是橫店。那兒可真大呀，每個景區(qū)都得花個兩三個小時。那兒可是很多電影、電視生產(chǎn)的地方，我看了很多的表演，在那兒我還第一次買了一件褀袍。

再說說咱們自己這兒吧，我們這兒有玉環(huán)公園，有農(nóng)業(yè)觀光園，我想這些地方可能同學(xué)們都去過了吧，我還有一個地方覺得也有意思，那就是老媽帶我去蘆浦看的油菜花和摘草莓吃。那天我也玩得非常開心。

我最喜歡旅行了!

最好的旅行方式

People travel by plane, by train, by ship, by bus. To me, the best way of traveling on a summer vacation is to go on foot.

人們會乘坐飛機(jī)、火車、輪船、公交車去旅游。對于我來說，最好的旅游方式是暑假期間徒步旅游。

On a summer vacation I travel to refresh myself and to see the countryside. When I use my feet and walk on a grass covered path or among the hills I feel detached from the noise of the city and closer to the nature. And when I travel on foot I get more freedom. I can plan my own schedule. I can choose my own route. I can stop where I like. And I can see things and people that I might miss if I travel on a train or on a bus.

暑假的時候，我通過旅行去釋放自己和游覽鄉(xiāng)間。當(dāng)我用雙腳走在鋪滿小草的小徑或山間時，我感覺(自己)遠(yuǎn)離城市的喧囂，并且更親近大自然。當(dāng)我徒步旅行時我可以得到更多的自由。我可以自己選擇行程。我可以自己選擇路線。只要喜歡，我就可以停下來。而且我可以看到很多人和事，那些我可能乘坐火車或公車旅行而錯失的。

When faster and more convenient ways for travel are becoming available, I still favor using my own feet. I get much pleasure from it.

當(dāng)更快、更方便的旅行方式變成通用的，我仍然支持用自己的雙腳(旅行)，我從中得到了許多樂趣。

第四篇：風(fēng)投喜歡哪種商業(yè)計劃書

風(fēng)投喜歡哪種商業(yè)計劃書？(2012-04-18 11:25:14)轉(zhuǎn)載▼

標(biāo)簽：風(fēng)投 分類： 專題計劃書 雜談

你的創(chuàng)意再好，商業(yè)模式再新穎，如果遞交給風(fēng)險投資人的商業(yè)計劃書一塌糊涂，恐怕對方看了扉頁，就沒心思往下看，將計劃書丟進(jìn)垃圾桶。所有打算走創(chuàng)業(yè)道路的同學(xué)，一定要學(xué)會怎么寫一份出色的商業(yè)計劃書，不然千辛萬苦找到風(fēng)投，最后恐怕也空手而回。

圖文 / 冰磊

通常來說，一份好的商業(yè)計劃書，它必須回答好以下問題：

理想：你想建立什么樣的公司？

使命：顧客為什么要購買公司的產(chǎn)品或服務(wù)？

目標(biāo)：打算用什么標(biāo)準(zhǔn)來衡量公司的成??？

策略：如何推動公司業(yè)務(wù)？

計劃：公司勢必完成的工作？

看看國內(nèi)“行尊”示范——

周鴻袆:

教你打造十頁完美商業(yè)計劃書

1.用幾句話清楚說明你發(fā)現(xiàn)目前市場中存在一個什么空白點(diǎn)，或者存在一個什么問題，以及這個問題有多嚴(yán)重，幾句話就夠了。很多人寫了三百張紙，抄上一些報告。投資人天天看這個，還需要你教育他嗎?比如，現(xiàn)在網(wǎng)游市場里盜號嚴(yán)重，你有一個產(chǎn)品能解決這個問題，只需要一句話說清楚就可以。

2.你有什么樣的解決方案，或者什么樣的產(chǎn)品，能夠解決這個問題。你的方案或者產(chǎn)品是什么，提供了怎樣的功能。

3.你的產(chǎn)品將面對的用戶群是哪些?一定要有一個用戶群的劃分。

4.說明你的競爭力。為什么這件事情你能做，而別人不能做?是你有更多的免費(fèi)帶寬，還是存儲可以不要錢?這只是個比方。否則這件事誰都能干，為什么要投資給你?你有什么特別的核心競爭力?有什么與眾不同的地方?所以，關(guān)鍵不在于所干事情的大小，而在于你能比別人干得好，與別人干得不一樣。

5.再論證一下這個市場有多大，你認(rèn)為這個市場的未來是怎么樣。

6.說明你將如何掙錢?如果真的不知道怎么掙錢，你可以不說，可以老老實(shí)實(shí)地說，我不知道這個怎么掙錢，但是中國一億用戶會用，如果有一億人用我覺得肯定有它的價值。想不清楚如何掙錢沒有關(guān)系，投資人比你有經(jīng)驗(yàn)，告訴他你的產(chǎn)品多有價值就行。

7.再用簡單的幾句話告訴投資人，這個市場里有沒有其他人在干，具體情況是怎

樣。不要說“我這個想法前無古人后無來者”這樣的話，投資人一聽這話就要打個問號。有其他人在做同樣的事不可怕，重要的是你能不能對這個產(chǎn)業(yè)和行業(yè)有一個基本了解和客觀認(rèn)識。要說實(shí)話、干實(shí)事，可以進(jìn)行一些簡單的優(yōu)劣分析。

8.突出自己的亮點(diǎn)。只要有一點(diǎn)比對方亮就行。剛出來的產(chǎn)品肯定有很多問題，說明你的優(yōu)點(diǎn)在哪里。

9.倒數(shù)第二張紙做財務(wù)分析，可以簡單一些。不要預(yù)算未來三年掙多少錢，沒人會信。說說未來一年或者六個月需要多少錢，用這些錢干什么。

10.最后，如果別人還愿意聽下去，介紹一下自己的團(tuán)隊(duì)，團(tuán)隊(duì)成員的優(yōu)秀之處，以及自己做過什么。

一個包含以上內(nèi)容的計劃，就是一份非常好的商業(yè)計劃書了。

聽聽大洋彼岸的聲音——

Tim Berry: 涵蓋VC的期望內(nèi)容

Tim Berry是entrepreneur.com網(wǎng)站“商業(yè)計劃書”欄目的教練，也是硅谷知名科技公司Palo Alto Software

Inc.的總裁，該公司提供業(yè)內(nèi)領(lǐng)先的商業(yè)計劃書寫作軟

件。

僅僅依賴商業(yè)計劃書本身——不管寫得多么好——都不足以吸引對方，但你必須有一份不錯的商業(yè)計劃書來打動投資人。投資人的最終決定取決于許多其他因素：整個經(jīng)營團(tuán)隊(duì)及其過去的紀(jì)錄，你要銷售的產(chǎn)品，你的競爭優(yōu)勢和所處的市場，等等。

同時你需要明白，投資人不是一個模子里刻出來的。投資鏈頂端是來自幾百家VC企業(yè)的數(shù)千名風(fēng)險投資人，底端則是你的朋友和家人，中間是成千上萬的私人投資者，習(xí)慣上被稱為“天使”。天使投資人的投資模式就很難總結(jié)，但大部分天使投資人的關(guān)注點(diǎn)與VC一樣，不過有一部分天使投資人喜歡小額投資，甚至不介意成為唯一的投資者。若面對的是你的朋友和家人，相信你比我還有辦法。

VC是最嚴(yán)格要求的，每年只有少數(shù)商業(yè)計劃書能得到他們的青睞。因?yàn)樗麄兪怯脛e人的錢來投資，所以必須盡量規(guī)避風(fēng)險。因此以滿足VC要求為標(biāo)準(zhǔn)撰寫商業(yè)計劃書，保準(zhǔn)沒錯。當(dāng)你提交商業(yè)計劃上去時，確保里面包含了VC的需求。他們進(jìn)行投資，所期待的是：

1.具有良好紀(jì)錄的管理團(tuán)隊(duì)。

是的，這意味著他們不會投資給沒有經(jīng)驗(yàn)的人，但沒有人投資你就很難獲得

經(jīng)驗(yàn)。這就是現(xiàn)實(shí)。如果你的問題癥結(jié)就在這里，那就去找天使投資人或家人朋友。

2.具有競爭優(yōu)勢的獨(dú)特產(chǎn)品。

實(shí)體產(chǎn)品的發(fā)展前景比服務(wù)型產(chǎn)品更容易預(yù)測，這是VC很少對服務(wù)業(yè)產(chǎn)生興趣的原因。當(dāng)然也有特例，比如大受市場歡迎的DVD租賃上門服務(wù)公司Netflix。

3.合理估值。

用你的計劃融資額除以用于交換的股份比例。比如，想用公司50%的股份交換500萬美元資金，意味著你認(rèn)為自己的企業(yè)價值為1000萬美元。太離譜的估值會讓投資人覺得你不切實(shí)際。

4.一份清晰的投資協(xié)議。

向律師咨詢這一投資交易的合法性，包括用多少股份交換多少資金，還有日后融資中預(yù)計出現(xiàn)的股權(quán)稀釋等情況。

5.VC可能還會對其他一些情況感興趣：

有可能在三到五年內(nèi)將公司價值提高100倍，不管現(xiàn)在值多少錢。投資額至少在300萬美元左右的商業(yè)計劃，事實(shí)上越多越好。必須在商業(yè)計劃書中表現(xiàn)出對資金需求有認(rèn)真規(guī)劃，而且確實(shí)需要這么多錢。

有其他投資人準(zhǔn)備一起投資的商業(yè)計劃。VC往往覺得人越多越安全，所以他們通常不喜歡成為交易中的唯一投資者。

明確的退出方法。投資人希望看到你已經(jīng)提前做好了安排，讓他們能在交易中拿回自己的錢并獲得回報

（此文章版權(quán)為《贏未來》及其作者共同所有，不得用作其他商業(yè)用途。如有

轉(zhuǎn)載，請標(biāo)明出處。）

第五篇：個人銀行貸款還款方式哪種好

個人銀行貸款還款方式哪種好?

貸款還款方式哪種好?古人有云，聞道有先后，術(shù)業(yè)有專攻。對于貸款來說，除了貸前需要了解清楚貸款機(jī)構(gòu)的貸款產(chǎn)品特點(diǎn)外，如何還款有時候也是一門學(xué)問，怎么還款能保證既不影響自己的生活質(zhì)量，又維持好自己在銀行的信用記錄，你研究過嗎?

總的來說，N維貸款小編認(rèn)為目前的還款方式主要有四種，常見的無外乎等額本息還款法和等額本金還款法，還有大家意識里常駐的一次性本息償還法及按期付息還本。

對于短期的小額貸款人來說，一次還本付息比較劃算，一年之內(nèi)既可以保證自己的資金流動性，又能引它山“之雞”為自家下蛋。不過由于這類還款方式對于銀行而言風(fēng)險較大，所以貸前審核比較嚴(yán)格且也不易通過。

等額本息還款和等額本金還款法，是目前最為常見的兩種還款方式。一字之差，給人們生活帶來的影響卻有明顯的不同，如等額本息的總還息要高于等額本金的總利息，但是每期的還款額度相對較穩(wěn)定，更適合收入穩(wěn)定的借款人，而等額本金還款法則更適合收入較高的人群。

其實(shí)那，每種還款方式都是各有優(yōu)劣之分的，就像沒有十全十美的人一樣，具體哪種方式更好，還是要看借款人的實(shí)際收入及穩(wěn)定情況。沒有最好，但有更優(yōu)!