Many financial directors are concerned about the investigation of the financial situation of banks, which is actually not complicated, and the financial investigation of banks can not be separated from the basic financial index system. The Bank's attention standards of the basic index system are listed for reference only. I. Financial structure: 65,438+0. Ratio of net assets to annual outstanding loans. Must be greater than 100%. 2. Asset-liability ratio. It must be less than 70%, preferably less than 55%. Second, solvency: 3. Current ratio. Generally speaking, the larger the index, the stronger the short-term solvency, and usually the index is 150%~200%. 4. Quick ratio. In general, the larger the index, the stronger the short-term solvency. Usually, the index is around 100%, and it should be relaxed appropriately for small and medium-sized enterprises, and it should be greater than 80%. The risk of loss should be reduced to a minimum. Generally speaking, the ratio is less than 0.5. 3. Cash flow: 6. The net cash flow generated by operating activities should be positive, and the cash withdrawal of its sales income should be above 85~95%. 7. In business activities, the cash payment rate for purchasing goods and services should be above 85~95%. Four. Operating ability: 8. Growth rate of main business income. Generally speaking, if the annual growth rate of main business income is not less than 8%, it means that the main business is in the growth stage. If the ratio is less than -5%, it means that the product will enter the end of its life. 9. Turnover speed of accounts receivable. Generally, it should be more than six times. Generally speaking, the higher the turnover rate of accounts receivable, the shorter the average collection period of accounts receivable and the faster the speed of fund collection. 10, deposit and loan turnover speed, generally small and medium-sized should be greater than five times. The faster the inventory turnover rate, the lower the inventory occupancy level and the stronger the liquidity. V. Operating benefit: 1 1. Operating profit rate means the profit level of annual operating income and reflects comprehensive profitability. Generally speaking, the index should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability. 12. At present, the return on equity of SMEs should be greater than 5%. Generally speaking, the higher the index value, the higher the return and the higher the income level of shareholders. It should be noted that the above indicators are only a comprehensive reference value, and the financial performance of different industries and different properties will vary greatly. I want to remind you that we can't generalize.