Loan is a common way of consumption at present, but it still has certain risks and needs to be chosen according to its own consumption ability. Therefore, what needs to be considered when calculating loans is the calculation formula of loan growth rate, and how to calculate it has its own calculation method. The calculation method is to divide the final number by the final number, and then subtract the power of the number 1. Loan growth rate is the abbreviation of loan growth rate. For example, banks lent 300 billion yuan in June 5438+ 10 and 330 billion yuan in February, so the loan growth rate is (3300-3000)/3000×. New RMB loans are new loans. New loans are a statistical data used to reflect the increase of RMB loans issued by financial institutions to domestic enterprises and residents, which are regularly announced to the public by the People's Bank of China. 2. The calculation method of new loans is: new loans = loan balance at the end of the current period-loan balance at the end of the previous period. 3. New loans refer to existing loans. A. Its main features are as follows: ① There are many traditional industries and few emerging industries; ② The proportion of general loans is greater than that of innovative loans; ③ There are more customers with low credit rating and fewer customers with high credit rating; (4) It is actually used for paving, but less for turnover flow. B. The new loan structure mainly has the following characteristics: ① There are many traditional industries and few emerging industries. ② General loans account for a large proportion, while innovative loans account for a small proportion. ③ There are more customers with low credit rating and fewer customers with high credit rating. (4) It is actually used for paving, but less for turnover flow. The rapid growth of loans reflects the smooth transmission of China's monetary policy and the good operation of the market mechanism. With the further easing of liquidity, capital and interest rate constraints of bank credit, the willingness and initiative of bank loans are stronger, the role of market mechanism is fully exerted, and the transmission efficiency of monetary policy is obviously improved. The monetary policy measures introduced in the early stage can be transmitted to the real economy more quickly and effectively, and the loan growth multiple is higher than the liquidity of the central bank, which is conducive to solving the practical difficulties of the real economy. The rapid growth of loans can improve the purchasing power of enterprises and residents, and support economic development from both supply and demand. Under the modern banking monetary system, loans create deposits and loans create money. The goal of counter-cyclical adjustment of monetary policy is to increase loans and then increase money. Broad money is cash plus company, individual and other deposits. The increase in deposits means an increase in money, which effectively relieves the cash flow pressure of enterprises and residents and enhances their purchasing power. Enterprises can invest, organize production, increase jobs and pay wages. Residents can consume, which increases the demand for enterprise products and services, which will gradually reflect the pulling effect on the economy. The rapid growth of loans shows that China's economy is very resilient, and the basic situation of China's economy has not changed. The rapid growth of loans also reflects the strong demand for loans. This shows that China has strong economic resilience and great room for manoeuvre. With the improvement of epidemic prevention and control, the resumption of work and production has gradually approached or reached the normal level, various economic activities are recovering, market confidence is enhanced, and economic recovery is obviously ahead of other economies.

Second, how to calculate the average annual growth of loans?

Question 1: How to calculate the average growth rate of loans? Divide this number by the opening number, and the value will be multiplied by the power of the opening number, and then minus 1.

Question 2: How to calculate (loan growth rate) and (loan increment)? The increment of loan is the increment of ending balance; The loan growth rate is the current increment divided by the opening balance.

Question 3: How does the average balance of agricultural loans exceed 13% year on year?

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

Question 4: How is the annual credit growth rate calculated? Can you find it? Should the growth rate of the actual credit balance be calculated? Writing a paper is urgent, thank you! Of course, find 50 points, which is to be calculated.

Question 5: The loan amount calculated on 2016 refers to the loan contract amount, which is a constant amount. The total amount of loans refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period. It means the total amount of loans or financing from banks. Loan balance refers to the outstanding loans at the end of the accounting period. The loan balance is equal to the total loan minus the formula: the same period of this year divided by the data of the same period of last year, and then divided by the percentage.

Question 6: How to calculate the interest on bank loans? (300007.47)/ 100=224 1

The annual interest is 22,465,438+0 yuan, plus the principal of 30,000 yuan.

1 year later.

224 1/365=6. 14 yuan

The interest for one day is 6. 14 yuan.

Question 7: What conditions should be used to calculate the present value of the increased annuity? 1. If the annuity and the length ratio r, if the annuity increases by the same amount, you have to know the increase amount.

You must know the discount rate.

You need to know the annuity for the first year.

It is enough to know these three conditions.

Question 8: How to reasonably determine the amount and duration of working capital loan = sales revenue of the previous year ×( 1- sales profit rate of the previous year )× (estimated annual sales revenue growth rate of1)/number of operations. In actual use, the data should be reasonably analyzed and used according to the actual business situation of the borrower, not just the financial statement data, but the data value should be reasonably determined according to the actual investigation situation. 1, sales revenue last year. According to the main business content of the enterprise, the main business income in the report should be verified, and the one-time and temporary income, such as one-time sale of fixed assets and temporary sales of disaster relief materials, should be eliminated. These incomes are not the main business income of the enterprise, but one-time income. Only after elimination can reasonable main business income be obtained, and the amount of working capital calculated on this basis can be more in line with the actual situation of the enterprise. 2. The estimated annual growth rate of sales revenue. The predetermined proportion should be reasonable and well-founded, which should not only conform to the development law and trend of the industry where the enterprise is located, but also be determined according to the development plan and realizability of the enterprise itself. The most important thing is that the predicted growth level should match the existing production capacity and market tolerance of the enterprise. It is very unreasonable to determine a high growth rate just to measure demand. For example, it is unrealistic to expect too high a growth rate for the sales revenue of surplus industries. For example, in 2009, the main business income of a paper mill was 50 million yuan, the production capacity was 6.5438+0.5 million tons, and the sales growth rate was 6.5438+00%. I want to apply for a loan of 654.38 billion yuan from the bank this time. In order to increase the liquidity demand, it is predicted that the sales growth rate in 2065.438+00 will be 654.38+000%. The reasons given are as follows. It seems that the reason is very good, but it does not consider the supply capacity of raw material straw and straw and the market's ability to bear the product, that is, if the output value doubles, can raw materials be guaranteed to be adequately supplied? Can the product be digested by the market? If you can't give a reasonable explanation, then you have to consider whether the actual liquidity demand is so great. Is it possible for the borrower to use the working capital loan for fixed assets investment? Therefore, it is necessary to fully verify the rationality and realizability of the data when forecasting, so as to determine the amount of working capital more reasonably, which is in line with the reality of enterprise development. 3. When calculating the number of operations, it is necessary to reasonably eliminate unreasonable factors in the statements, such as accounts receivable, accounts payable, bad debts with an age of more than 3 years, and moisture in the inventory, so as to show the amount of funds really needed in the operation of the enterprise. 1. Self-owned funds: Any enterprise engaged in business activities must have a certain amount of self-owned funds, including the capital invested by investors in the enterprise and the accumulation formed in the operation, such as surplus reserve fund, capital reserve fund, undistributed profits, etc., which reflects the owner's rights and interests. However, the investment direction of self-owned funds is not limited to daily business turnover, but also includes long-term investment, investment in fixed assets, and purchase of land use rights. After this part of the capital is invested, it is bound to reduce the turnover of working capital. Therefore, the self-owned capital in the formula refers to the part of the enterprise used for liquidity, and the investment in long-term investment, fixed assets, intangible assets and other subjects should be excluded. The bank's credit management system stipulates that the proportion of its own funds is not less than 30%. 2. Existing working capital loans: It includes not only the existing working capital loans obtained by borrowers from other banks, but also the exposed departments of bills payable, because this part of the exposure is also used as working capital. If the account payable of the enterprise is 4 million yuan, which is checked as a bank acceptance bill and the margin ratio is 30%, the exposure is 2.8 million yuan, which should be regarded as deduction. 3. Reasonably eliminate financial factors that should be repaid, such as loans that have expired and accounts payable that should be paid. 4. Liquidity provided by other channels; Including loans obtained from shareholders; Issue bonds; Employee fund-raising; Small equipment purchased through financial leasing; Financial subsidies; Issue stocks; Financing obtained by non-bank financial institutions and so on. In this way, on the basis of reasonable analysis of the above data, we can get the new working capital loan amount required by the borrower, that is, the working capital gap required by its daily production and operation. However, in actual work, it often happens that the calculated loan amount is likely to be inconsistent with the loan amount applied by the borrower. There are basically three possibilities: first, the calculated loan amount is greater than the applied loan amount, indicating that the borrower may increase the investment of its own funds, such as increasing the investment of shareholders and introducing strategic investors. , or refinance in other banks; Second, if the calculation quota is less than the application quota, then ... >>

Question 9: 2065438+At the end of March 2003, the balance of real estate development loans increased year-on-year. How is this growth rate calculated? I don't understand your question.

3. How to calculate (loan growth) and (loan increment)?

The loan increment is the beginning balance minus the ending balance, that is, the current loan increment; The loan growth rate is the current increment divided by the opening balance 100%.

4. What is the formula for calculating the growth rate of accounts receivable?

Growth rate of accounts receivable = (accounts receivable in the investigation period-accounts receivable in the previous period)/accounts receivable in the previous period × 100%.

Among them, the reasons for the growth

(1) Accounts receivable cannot be recovered. The proverb in the shopping mall says, "It is the apprentice who sells, and the real master who can collect money." Sales is the first step for an enterprise to create profits. Engaged in sales work, not only to sell products to customers, but also to recover all the payment for goods, so that sales benefits can be realized concretely. If all the accounts receivable cannot be recovered, the sales will not be completely finished. In other words, the recovery of accounts receivable is the premise of a company's smooth operation. In order to maintain the competitiveness of enterprises and ensure profits, the recovery management of accounts receivable is one of the most important business topics in the era of low profit. Accounts receivable can't be collected. It is not only a loss of interest, but also an unexpected loss of market, cost and reputation, which is a great misfortune. The worst thing is that the company exists in name only and is in crisis.

(B) Internal control is not strict. At present, in order to mobilize the enthusiasm of sales staff, most enterprises often implement the salary form of floating link between the total wages of employees and economic benefits, often ignoring the possibility of bad debts and failing to include accounts receivable in the assessment system. Therefore, in order to achieve the assessment objectives, business departments only care about the completion of sales tasks, regardless of whether accounts receivable can be recovered, resulting in a substantial increase in accounts receivable. For this part of accounts receivable, some enterprises did not take effective measures to ask relevant departments and distributors to actively collect them, resulting in insufficient books and funds that can be allocated.

The storage of a large number of accounts receivable has brought a heavy financial burden to the operation of enterprises.

(3) The management system is not perfect. Because the current market is a buyer's market, enterprises often sell products on credit in order to sell. Many enterprises are often unable to communicate with the financial department on commodity pricing, customer reputation, contract signing and payment methods. When establishing the credit system, some unscrupulous businessmen take advantage of the loopholes in the credit system and take a small amount of goods in advance, resulting in long-term empty accounts receivable, which can not be recovered and continues to grow.

(D) The operators' awareness of legal protection is weak. As we all know, the debtor's failure to repay the debts due in accordance with the provisions of the contract and agreement is a violation of the law. However, due to the existence and interference of local protectionism and the cost-benefit comparison of litigation, some enterprises would rather sit idly by and watch a considerable part of accounts receivable become bad debts than recover the arrears or resort to law to safeguard their legitimate rights and interests. Moreover, in today's buyer's market, many enterprises are unwilling to protect their legitimate rights and interests through legal means in order to have certain customers. The economic morbid situation of not worrying about debts and reasonably incurring debts has caused some enterprises to default on accounts payable in the case of lack of funds and no way to borrow, which has led to the continuous accumulation of triangular debts and the mutual occupation of settlement funds, forming a vicious circle and making enterprises deeply involved in the debt chain.

(5) Lack of risk awareness. In the highly competitive market economy, some enterprises sign short-term sales contracts with customers in order to attract customers and expand market share in order to open up the marketing situation as soon as possible at the beginning of entering the market, without in-depth investigation of the payer's credit and correct assessment of the risk of accounts receivable. While generating high book profits, enterprises ignore the problem of whether customers can recover a large amount of liquidity in time. Moreover, after a large amount of credit sales income is included in operating income, enterprises need to pay a large amount of value-added tax for it, which further aggravates the danger of capital exhaustion.

(six) the responsibility is not implemented. Although the financial departments of some enterprises have analyzed the aging of accounts receivable and reminded relevant departments to step up collection, some accounts have become bad debts because there is no responsibility system and the responsibility has not been implemented to people.

Comparative analysis of income growth rate of main business and accounts receivable growth rate The comparative analysis of income growth rate of main business and accounts receivable growth rate shows the growth rate of company sales, which can be used to judge the development of main business of enterprises.

It is generally believed that when the growth rate of main business income is lower than -30%, it means that the company's main business has fallen sharply, and an early warning signal has been generated. In addition, when the growth rate of main business income is less than the growth rate of accounts receivable, or even the growth rate of main business income is negative, the company is likely to manipulate profits and needs to be strictly guarded. When judging, it is necessary to make a comprehensive analysis according to the proportion of accounts receivable in the main business income.