Its calculation formula is: loan sales rate = total sales revenue × capital loan rate/average loan occupation. ?
Loan sales rate refers to the ratio between enterprise sales and bank loans in a certain period of time. Reflect the sales realized by one yuan loan, or the turnover rate of the loan business of the enterprise.
The loan sales rate index is a first-class index to assess the operating efficiency of enterprise loan funds, and it is also an important index for banks and financial institutions to measure the solvency of enterprises. For enterprises, the total amount of general working capital loans shall not exceed 30% of sales revenue.
Extended data:
"loan-to-deposit ratio"
Loan-to-deposit ratio's instant loan-to-deposit ratio refers to the comparison between total bank loans and total deposits.
From the perspective of the profitability of banks, the higher the loan-to-deposit ratio, the better, because deposits have to pay interest, which is the so-called cost of capital. If a bank has a lot of deposits and few loans, it means that its cost is high, its income is low and its profitability is poor. Because commercial banks aim at making profits, they will strive to improve loan-to-deposit ratio.
Loan-to-deposit ratio is equal to the ratio of loan balance to deposit balance. According to the regulations of the People's Bank of China, the loan balance includes short-term loans, medium-and long-term loans, overdue loans, notes receivable and discounts; Total deposits include demand deposits, remittances payable, deposits, long-term deposits and long-term savings deposits.