  We investigate accretion disc models for the X-ray emission of Seyfert-1
galaxies and the hard state of black-hole X-ray binaries. We concentrate on two
hot accretion disc models: advection-dominated accretion flow (ADAF) and
recently found luminous hot accretion flow (LHAF). We solve for the global
solution of both ADAF and LHAF to obtain the electron temperature, $T_{\rm e}$,
and Thompson optical depth, $\tau$, at the radius where most of the radiation
comes from. We adopt two kinds of electron energy equations. In one, only
synchrotron and bremsstrahlung radiation and their Comptonization are
considered. The other is parameterized by a constant Compton parameter to model
the case in which thermal Comptonization of external soft photon is important.
We compare the calculated $T_{\rm e}$ and $\tau$ with the observational values
obtained by fitting the average spectra of Seyfert-1 galaxies and black-hole
binaries using thermal Comptonization model. We find that the most favoured
model is an LHAF with parameterized electron energy equation, with ADAFs
predicting too high $T_{\rm e}$.
