Because the first loan has not been paid off, the bank will not issue any more loans.

The enterprise invests 500,000 pounds to buy new equipment at the bank loan interest rate of 65,438+02%, and the return on investment is only 65,438+04%, which means that the investment income is only 70,000 pounds, and the annual loan interest is 60,000 pounds. Enterprises need to repay the principal and interest, invest in this way, and use it together without making a profit. In the conditions of lending to banks, banks will review or evaluate the current and future operating conditions and profits of enterprises. If the enterprise is in poor operating condition and has debts, the bank will not issue loans.

2. If you are the chief financial officer of the company and the first financing has not been carried out, what suggestions can you make to the management of the company?

If I were the company's chief financial officer, before the first financing, I would propose to the company's management to issue common stock+bank loans.

50% common stock +50% bank loan.

On the one hand, the issue of common stock is permanent, has no expiration date and does not need to be returned. There is no fixed dividend burden, and whether and how much dividends are paid depends on the company's profitability and business needs;

On the other hand, the capital structure of balance of payments is realized by using the return on investment of 14% to repay the interest on bank loans. After paying off the principal and interest of the bank, dividends will be distributed. The risk of raising funds is small, which is conducive to improving the ability of enterprises to borrow from banks again.