Hello, classmate, glad to answer your questions!

Different banks have different requirements. Generally, large enterprises need audited statements from accounting firms in their credit granting. However, for simple loans of small enterprises, the guarantee method is mainly based on housing and real estate mortgage. Generally, it is not necessary to audit. Of course, the audited statements are more credible.

I hope my answer can help you solve the problem. If you are satisfied, please adopt it as the best answer.

Thank you again for your question. More accounting questions are welcome to be submitted to Gao Dun enterprises.

Gao Dun wishes you a happy life!