在金融与信贷管理的复杂生态中，“融资增加余额”这一概念常被投资者、企业主及金融从业者误读，混淆了绝对数值的增长与利息支出的概念。它并非指资金总量的凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭空凭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