The ratio of sales to loans is the ratio of sales to loans. The ratio of sales revenue to loans is an important indicator for banking financial institutions to measure the solvency of enterprises. The total amount of working capital loans generally does not exceed 30% of sales revenue.
If the more sales, the less loans, the better the enterprise.
Consumer loans, also known as consumer loans, mainly refer to personal loans for studying abroad, decorating houses, buying durable goods or even buying a car. In terms of types, consumer loans include residential mortgage loans, non-housing loans and credit card loans.
Banks and CreditEase, these formal channels, usually have consumer credit business, you can simply understand the composition period, compared with credit cards, the amount will be much larger.
Second, the calculation formula of the ratio of sales to loans?
The ratio of sales to loans is the ratio of sales to loans, and its calculation formula is: loan sales rate = total sales revenue × capital loan sales rate refers to the ratio of enterprise sales to bank loans or the turnover rate in enterprise loan operation in a certain period. Purchase-sale ratio = total purchase amount in a certain period/total sales amount in a certain period; Return-to-sales ratio = certain sales in a certain period/total sales in a certain period.
Third, the calculation of the ratio of sales to loans?
The ratio of sales to loans is the ratio of sales to loans, and the scientific name is "loan sales rate". Its calculation formula is: loan sales rate = total sales revenue × capital loan rate/average loan occupation. Loan sales rate refers to the ratio of enterprise sales to bank loans in a certain period of time. Reflect the sales realized by one yuan loan, or the turnover rate in the loan operation of this enterprise. Purchase-sale ratio = total purchase amount in a certain period/total sales amount in a certain period; Return-to-sales ratio = certain sales in a certain period/total sales in a certain period.
What does 4.UCL/CL/LCL stand for and how to calculate it?
Spc control chart "control chart": It is one of the most effective and fastest tools to implement quality management. It was designed by American quality control doctor in 1998 by applying statistical mathematics theory.
It can not only control the quality in the process, but also analyze and judge the process capability, and can also be used as a reference for new product design and finished product acceptance. Simply put, in
In the production process, it needs to go through three stages: design, manufacturing and process inspection. If an enterprise can effectively use this quality knowledge, it can ensure it.
Market competitive advantage.
(A), control chart definition
Control chart is a method to analyze and control process quality. Control chart is a kind of record chart with control boundaries, which reflects the process quality. The vertical axis of the chart represents the product quality characteristic value (or some statistical data obtained from the quality characteristic value). The horizontal axis represents each sample number extracted in time sequence (from left to right); There are three lines in the diagram: the center line (labeled cl), the upper control limit (labeled ucl) and the lower control limit (labeled lcl).
(2) The purpose of the control chart
The control chart is different from the general statistical chart, because it can not only observe its changing trend by displaying numerical values on curves, but also show whether this change is accidental, thus indicating whether a phenomenon is normal and taking corresponding measures.
(3), control chart principle
When the process is in a steady state, the distribution of its measured values is roughly in line with the normal distribution. From the nature of normal distribution, we can know that quality data appears in plus or minus three standard deviations (x? 3? The probability outside is only 0.27%. This is a very small probability. According to the principle of "small probability event is actually impossible" in probability theory, it can be considered that it appears in X? 3? Events outside the interval are abnormal fluctuations, which occur because the overall distribution deviates from the normal position due to abnormal reasons.
The width of the control boundary is determined according to this principle. 3? .
(4), "?" And "?" Risk definition
Judgments based on control limits may also produce errors. There are two possible mistakes.
The first error is to judge the normal as abnormal, and its probability is? In other words, there is no abnormality in the process, but the data is excessively moved due to random reasons, and a few data are out of control, which makes people mistakenly judge the normal as abnormal. It's a false alarm, because it's futile to find the reason and take corresponding measures, resulting in losses. So the first kind of error is also called futile error.
The second error is to judge the anomaly as normal, and its probability is recorded as? That is to say, an abnormality did occur in the process, but the data did not exceed the control limit and did not reflect the abnormality, thus making people misjudge the abnormality as normal. The alarm was missed, and the process was in an unstable state, but no corresponding measures were taken, resulting in an increase in nonconforming products and losses.
Two kinds of mistakes cannot be avoided at the same time, so reduce the first kind of mistakes (? ), will increase the second error (? ), and vice versa.
(5), specification limit and control limit
Specification limit: used to specify the maximum (minimum) allowable value of quality characteristics.
Upper specification limit: usl；; Lower specification limit: lsl；; .
Control limit: select a certain number of products from the actual production, and test and calculate according to the observed values.
Upper limit of control: ucl；; Lower control limit: lcl；;
(6) Type of control chart
1, classified by data nature:
Metrology control chart
Average and Range Control Chart (Chart)
Mean and standard deviation control chart (chart)
Median and range control chart
Single value and range of movement control chart (chart)
Counting value control chart
Bad rate control chart (pchart)
Wrong NC drawing (npchart, also known as npchart or dchart)
Defect numerical control chart (cchart)
Unit defect numerical control diagram (uchart)
2, according to the purpose of the control chart classification
Control chart for analysis: calculate the center line and upper and lower control boundaries of the control chart according to the sample data, and draw the control chart, so as to analyze and judge whether the process is in a stable state. If the analysis results show that there are abnormal fluctuations in the process, we should first find out the reasons and take measures, and then re-extract the samples, measure the data and recalculate the boundaries of the control chart for analysis.
Control chart: Through the above analysis, it is confirmed that the process is stable and can meet the quality requirements. At this point, the control chart can be used to control the daily process quality on site.