Core Insights - The article discusses different financing paths for individuals based on their identity, specifically focusing on employees and individual business owners [1][3]. Group 1: Employees - Employees are viewed as low-risk by financial institutions due to their stable and predictable cash flow [4]. - The core recommendation for employees is to maximize their credit value and avoid using collateral-based loans unnecessarily [5]. - The best financing tools for employees include salary statements and public housing fund contributions, with credit loans being the preferred option for their low interest rates and no collateral requirement [8]. Group 2: Individual Business Owners - Individual business owners often have fluctuating incomes but possess tangible assets such as real estate, vehicles, and inventory, which can be leveraged for financing [5]. - The primary recommendation for individual business owners is to convert fixed assets into liquid funds to support business growth [6]. - The best financing tools for individual business owners include real estate, vehicles, and business licenses, with mortgage loans being the main method for obtaining large amounts of low-cost funds [8].