In the early stage of bank loan, it is necessary to prepare the balance sheet and income statement of the enterprise and provide them to the bank. The bank entry system will evaluate your company as a whole and make a loan choice.

Therefore, the preparation of balance sheet and income statement must meet the minimum requirements of banks.

Generally speaking, the main concern is the asset-liability ratio, current ratio, quick ratio, gross profit margin and net interest rate of financial statements.

Rate, etc. As long as these conditions are met, it proves that the short-term solvency and profitability of the enterprise are available, and the bank will make a decision on whether to lend soon, okay?

Two, how to fill in the balance sheet and income statement required by the enterprise to handle bank loans?

Monetary funds are cash balance plus bank deposit balance. Inventory is the balance of raw materials plus the balance of finished products, current assets and fixed assets = total assets, taxes payable and debit balance, that is to say, loans are embodied in long-term loans and short-term loans. Profit and loss Undistributed profit (undistributed profit balance) If the loss is represented by a negative sign, assets = owner's equity income statement, and each data is the amount of the current month, accumulation means adding the previous months. Main business income-main business cost-tax = main business profit, other business profit (other business income-other business expenses)-management expenses-financial expenses = operating profit, non-operating expenses = profit.

3. How to fill in the debt settlement income statement?

The debt settlement income statement is a detailed record of the company's liabilities and profits and losses. Filling in this form requires accurate financial data and clear financial concepts, which should generally be completed by professionals or accountants. When filling in this form, you should pay attention to the following aspects: (1) clearly explain the source and specific amount of the company's liabilities; Fully reflect the company's income and expenses, especially the expenses related to liabilities; Follow accounting standards and financial laws and regulations to ensure that the contents filled in are accurate. Only in the process of filling in the debt settlement income statement can we fully understand the details of the company's liabilities and profits and effectively formulate future development plans.

4. How to fill in the balance sheet and income statement when handling loans?

1. If you say "nothing is done", then all items in the income statement (that is, the income statement) are zero. But there must be figures on the balance sheet, but I don't know the assets at the time of your capital injection, so I don't know what to fill in. But "paid-in capital" will definitely exist.

2. If capital injection is made in the form of cash (including bank deposits), bank deposits may have interest. If the bank deposit has interest, it can't be said that "nothing has been done", then the income statement can't be zero, at least "financial expenses" have occurred.

3. Accounting statements are based on accounts. Accounting statements can only be prepared after account creation, bookkeeping and closing. And as long as the industrial and commercial registration, account will be established within one month. It is also necessary to carry out tax registration and tax declaration, which all require "accounts".

4. As long as an enterprise has passed the industrial and commercial registration, it should be equipped with financial personnel to establish and improve financial management and accounting.