Under normal circumstances, the bank does not value the sales of the enterprise or the running water of the bank.
However, we should pay attention to the profit/profit rate of the enterprise, because the sales of the enterprise do not mean that it can make money, and sometimes the expenditure cost is high and it may still be a loss.
The running water in the bank only represents figures, such as income of 654.38+0 billion, but if the expenditure cost is 654.38+0.2 billion, it will still be a loss of 200 million, which is very common in China enterprises. . Therefore, it cannot be used as a reference series for loans.
Only after the sales of the enterprise deduct the cost, the final net profit is what the bank values.
An enterprise has a strong ability to make money, and it is no problem to pay back the money. Such enterprises are easy to borrow money. Don't worry that the loan will not be recovered and become bad debts.
At present, all domestic banks are state-owned banks, so the human factor is the most important. . Everyone knows the hidden rules of the financial industry. . . Banks give loans to enterprises, mainly focusing on the upper-level "relationship" of business owners. . Some enterprises have very good benefits, but they can't get loans ... and some losses are on the verge of bankruptcy, but banks have to continue to transport irrecoverable "materials". . . Do you know why? Because there are people above me. The reason why banks have a lot of bad debts every year is because of this situation!
What is the sales income of 200,000 yuan of small loans?
Small loan sales income of 200,000 can generally be around 200,000. Small loan official website will show the loan situation. Add up the lending amount and divide it by the number of lenders to get the average lending amount, which is about 654.38+00000.
Loan business income belongs to
The interest income of general loan business of banks belongs to value-added tax. It can be said that because it is also money, it can belong to value-added tax. It's simple. The rated line of the bank is lent to the user, and the user repays the principal and interest within the specified time, and the principal of the bank increases in value due to interest. However, in order to simplify the tax collection procedure, the tax authorities accumulate the monthly income of various foreign operations and services of banks [collecting agency fees, etc.]. ], and charge a certain percentage of tax.
First, the bank's income mainly comes from the following aspects:
1, loan business,
2. Intermediary business includes handling fees and insurance wealth management products.
3. Inter-bank lending. Loan interest income needs to pay VAT, and deposit interest income does not need to pay VAT.
Two. Provisions on matters related to the pilot reform of business tax to value-added tax: If the pilot taxpayers apply different tax rates or collection rates to goods, processing, repair and replacement services, services, intangible assets or real estate, they shall separately account for the sales with different tax rates or collection rates. If the sales volume is not accounted separately, the tax rate or collection rate shall be applied according to the following methods:
1. Sales of goods, processing, repair and replacement services, services, intangible assets or real estate with different tax rates shall be subject to higher tax rates.
2. Sales of goods, processing, repair and replacement services, services, intangible assets or real estate with different collection rates shall be subject to higher collection rates.
3. Sales of goods, processing, repair and replacement services, services, intangible assets or real estate with different tax rates and collection rates shall be subject to higher tax rates.
Three, no VAT items:
1. The railway transport services and air transport services provided free of charge according to the national instructions belong to the public welfare services stipulated in Article 14 of the Pilot Implementation Measures.
2. Deposit interest.
3. The insurance money obtained by the insured.
4, the real estate department or its designated institutions, provident fund management center, development enterprises and property management units to collect residential special maintenance funds.
5. In the process of asset reorganization, all or part of physical assets and their associated creditor's rights, liabilities and labor force are transferred to other units and individuals through merger, division, sale and replacement, which involves the transfer of real estate and land use rights.
What is the sales revenue of direct customer loans?
The average salary is 1 1256 yuan per month.
On June 5, 2022, 5438+February 5, 2022, the average national direct selling salary was about 1 1256 yuan per month.
Direct customer loan refers to the loan mode in which the bank directly lends the purchase money to the buyers, so that the buyers can pay all the purchase money together with the bank loan to the developers in one lump sum. Property buyers are free to choose a bank with this business; Can enjoy a one-time payment discount (depending on different projects); Exempt the lawyer appointed by the developer from the lawyer's fee for examining the loan qualification of the buyers; Exempt from insurance fees (depending on different banks and projects); Lending speed is fast. However, compared with other products, the threshold for directly applying for loans is relatively high.
Income of Loan Sales Manager of Shenzhen Ping An Bank
The loan sales manager of Shenzhen Ping An Bank has a good income. Average salary 19.7K/ month. The salary of loan manager of Ping An Bank is higher than that of sales manager. The average salary of loan managers of Ping An Bank is 19.7K/ month, and the salary in 2022 is higher than 202 1 year, which is 48% higher than 202 1 year. The salary of the sales manager is 12.7K/ month, which is less than 202 1 in 2022 and less than 202 1%. Statistics depend on public data released by major platforms, and system stability will affect objectivity.
The introduction of loan sales income ends here.