It is generally beneficial for enterprises to master the following 12 financial indicators when preparing bank loan statements. \x0d\ 1。 Ratio of net assets to annual outstanding loans. Must be greater than 100% (real estate enterprises can be greater than 80%). \x0d\2。 Asset-liability ratio. It must be less than 70%, preferably less than 55%. \x0d\3。 Current ratio. Generally speaking, the larger the index, the stronger the short-term solvency of enterprises. Usually the index is 150%~200%. \x0d\4, quick ratio. In general, the greater the index, the stronger the short-term solvency of enterprises. Usually the index is around 100%, and SMEs should be above 80%. \x0d\5。 Guarantee ratio. Enterprises should minimize the risk of loss. Generally speaking, the ratio is less than 0.5. \x0d\6。 The net cash flow generated by the business activities of the enterprise should be positive, and the cash withdrawal rate of its sales income should be above 85~95%. \x0d\7。 When an enterprise pays the purchase price in business activities, the cash payment rate of labor services should be above 85~95%. \x0d\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 of the enterprise is in the growth stage. If the ratio is less than -5%, it means that the product will enter the end of its life. \x0d\9。 Turnover speed of accounts receivable. The average enterprise should be more than six times. Generally speaking, the higher the turnover rate of enterprise accounts receivable, the shorter the average collection period of enterprise accounts receivable, and the faster the speed of fund withdrawal. \x0d\ 10, the turnover rate of deposits and loans should be more than five times that of ordinary small and medium-sized enterprises. The faster the inventory turnover rate, the lower the inventory occupancy level and the stronger the liquidity. 1 1, operating profit rate, which indicates the profit level of annual operating income and reflects the comprehensive profitability of the enterprise. Generally speaking, the index should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability of the enterprise. \x0d\ 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 from investment and the higher the income level of shareholders.