The company needs loans, general banks require the provision of financial statements for the past 3 years, and for the report to be beautiful, the indicators must be consistentBank loan
Requirement; 1. Ratio of net assets to annual outstanding loans. Must be greater than 100% (real estate companies can be greater than 80%). 2. Asset-liability ratio. Must be less than 70%, preferably less than 55%. Repayment ability: 3. Current ratio. Under normal circumstances, the larger the indicator, the stronger the short-term solvency of the company, usually 150% to 200% of the index is better. 4, quick ratio. Under normal circumstances, the larger the indicator, the stronger the short-term solvency of the company, usually the index is about 100% better, and for the appropriate relaxation of SMEs, it should be greater than 80%. 5, the proportion of guarantees. Enterprises should reduce the risk of loss to the lowest point. In general, a ratio of less than 0.5 is good. Cash flow: 6. The net cash flow generated by the company's operating activities should be positive, and the cash return of sales revenue should be above 85~95%. 7. Enterprises pay for purchased goods in business activities. The cash payment rate for labor services should be above 85~95%. Operating capacity: 8. Growth rate of main business income. In general, if the annual growth rate of the main business income is not less than 8%, it indicates that the main business of the company is in the growth period. If the ratio is less than -5%, the product will enter the end of life. 9. Account receivable turnover rate. General enterprises should be greater than six times. Generally speaking, the higher the turnover rate of corporate accounts receivable, the shorter the average receivable period of corporate accounts receivable and the faster the rate of fund withdrawal. 10, loan and loan turnover rate, the average SME should be greater than five times. The faster the inventory turnover rate, the lower the inventory occupancy level and the stronger the liquidity. Operating efficiency: 11. Operating profit rate. This indicator represents the profitability of the annual operating income and reflects the company's comprehensive profitability. In general, the index should be greater than 8%, of course, the greater the index value, indicating that the company's overall profitability is stronger. 12. The return on net assets is currently greater than 5% for SMEs. In general, the higher the value of the indicator, the higher the return on investment and the higher the level of returns for shareholders. However, it is difficult to achieve all the actual situation of the company. Of course, it is not difficult for people to mediate the report to express the subject. The difficulty is that the bank also requires auditing by the accounting firm, and the firm is cautious and strict on the loan audit. Need to go well.