Do you know what information you need if you are going to get a loan? What are the necessary 100 questions?

I. Industry

1, what industry?

2. What stage is the industry in? (emerging, mature, declining)

3. Is the industry affected by the economic cycle?

4. What is the overall profitability of the industry? Compared with the profitability of enterprises.

5. Are enterprise scale and market share leading enterprises?

6. Is there overcapacity in the industry?

7. Does the business qualification of the industry need the approval of relevant departments? Is it restricted or influenced by laws and policies?

Second, shareholders and operators.

8. What is the nature of the enterprise? (private, state-owned, joint stock, joint venture, sole proprietorship, partnership, individual)

9. What is the ownership structure? Who owns the shares? Who is the actual controller of the enterprise?

10. How do shareholders invest? Is it in place? Do you want to run away?

1 1. Is there a management team? Does the management team have enough experience?

12. What is the organizational structure of the enterprise? Does management have depth and breadth? Is the management standardized? What are the incentive mechanism and employment mechanism of enterprises? What is corporate culture?

13. Is there a board of directors? Are there any independent directors? Is the board of directors exercising its functions and powers? Does the board of directors have enough control over the management?

14, the historical evolution of the enterprise, what is the goal of the management team in these three years? Is it finished? (year-end summary)

15. How many parent companies, subsidiaries, brother companies and other affiliated enterprises are there? How many affiliated enterprises do shareholders have? What is the reputation of affiliated enterprises in society? What is the financing situation of our bank and other banks?

16. Is the price, quantity and settlement of purchase contracts and purchase and sale contracts between affiliated enterprises true? Is it in line with market conditions?

Third, production and operation

17. What products or services do you produce?

18. What are the characteristics of the product or service? What is competitiveness? (Difference advantage, technology advantage, cost advantage, relationship advantage)

19. Are there any substitutes that will affect the business operation?

20, product market supply and demand situation analysis, supply exceeds demand, or supply exceeds demand?

2 1. How dependent are customers on enterprise products? (single item)

22. What is the fluctuation trend and supply situation of raw material prices, and what impact does it have on the company's product sales?

23. Are there any special requirements for the quality and preservation of raw materials?

24. Does the production meet the requirements of environmental protection? (Environmental Protection Approval)

25. Is the production technology backward? Do you have independent intellectual property rights? Compared with the same industry?

26. What are the sales channels of products?

27. Is there a sales team? What are the sales methods?

28. What is the product sales policy? Do you sell on credit? Is there a cash discount?

Fourth, finance.

29. What is the sales revenue of the enterprise in the past three years? Is it growth, decline or fluctuation? What is the reason?

30. What is the total profit and sales profit rate of the enterprise in the past three years? Is it growth, decline or fluctuation? What is the reason?

3 1. What are the assets, liabilities and owners' equity of the enterprise in the past three years? Does the negative asset-liability ratio conform to the characteristics of the industry?

32. What is the net operating cash flow of the enterprise in the past three years? What is the difference between net cash flow and total profit? What is the reason why the net cash flow is less than the total profit?

33. What are the current assets and liabilities of an enterprise? What is the difference between current liabilities and current assets? Is there a phenomenon of short-term borrowing and long-term use when current liabilities are too high?

34. What are margin deposits and frozen certificates of deposit in the money fund? Are monetary funds consistent with the spot-checked cash book, bank journal and bank statement?

35. What is the breakdown of accounts receivable? How many accounts receivable are more than one year old? How much is the bad debt of accounts receivable? Is provision made according to the financial system?

36. Are accounts receivable customers centralized and single? Is it possible for a single customer to default or cancel cooperation?

37. Does the turnover rate of accounts receivable meet the industry standard?

38. How much has the accounts receivable increased? What is the relationship between the increase of accounts receivable and the increase of sales revenue? Relationship with total profit?

39. What is the inventory breakdown? What is the inventory structure?

40. How many finished and semi-finished products have been produced for more than one year?

4 1. What's the difference between the purchasing cost of raw materials and the market price? Whether to accrue inventory depreciation loss?

42. Does the inventory turnover rate meet the industry standard?

43. What is the increase in inventory? What is the relationship between inventory growth and sales revenue growth? What is the relationship with the growth of fixed assets? Relationship with total profit?

44. What is the carry-over method of inventory? What is the impact on current costs and profits?

45. Is the inventory stored on site or off site? Has the inventory been pledged by other banks or third parties?

46. Advance payment details? Is the purchase price compared with the market price? Is it in line with the purchase contract?

47. What are the details of other receivables? Is it too high in the industry? Are there other large accounts receivable close to the paid-in capital? Is there a phenomenon of registered capital escaping? Is there a phenomenon of large asset transfer?

48. What is the breakdown of fixed assets? Is property right clear?

49. What is the basis for recording fixed assets? Is the book value of fixed assets consistent with the actual purchase value? Is the basis for recording the evaluation of fixed assets sufficient? Is the evaluation value too high?

50. Are the fixed assets mortgaged by other banks or third parties?

5 1. Does the depreciation method of fixed assets conform to the provisions of the financial system? What is the impact on current profits?

52. Are you majoring in equipment? Was it eliminated? How about liquidity?

53. What is the total investment of the project under construction? How much did you invest? How much investment does the completion acceptance require? What is the impact of projects under construction on future sales revenue, profit and financing demand? Is there a mortgage for the project under construction?

54. What is the nature of land? Has the land transfer fee been paid in full? Do you want to collect it first and then return it? Is there any requirement to prohibit the transfer or transfer after paying the land transfer fee? Is the land mortgaged?

55. Are the fixed assets rented out? What is the term and payment method of the lease contract? Is the rental price reasonable? When the lessee breaches the contract, does the lessee agree to terminate the lease contract or pay the rent to the bank?

56. Details of short-term loans, long-term loans and notes payable? What is the credit line of each bank? What is a credit balance? Validity period? What is the interest rate level? Is it overdue? Five-level classification guarantee law? Is there a phenomenon of short-term borrowing and long-term use?

57. Details of accounts payable? What is the term of accounts payable? How many accounts payable are there for more than one year? Did it default? Is it controversial?

58. How much has the accounts payable increased? Is it higher than the increase in previous years? Is it higher than usual? Is there any suspicion of adjusting the net operating cash flow?

59. Details of accounts received in advance? Is the amount of accounts received in advance consistent with the production schedule agreed in the contract? Has an advance payment guarantee been issued?

60. How much did you pay the business tax? How much is the enterprise input value-added tax? What is output VAT? Is it consistent with the tax bill? Is it consistent with the sales revenue of the report?

6 1. Does the enterprise enjoy various tax reduction and exemption policies? Do you enjoy various subsidies?

62. What is the paid-in capital of the enterprise? What is the capital injection method? Do you want to run away?

63, enterprise capital reserve accounting is reasonable? Does the appreciation of fixed assets meet the market price?

64. What is the ratio of operating cash inflow to sales revenue?

65. Is the proportion of sales cost abnormal? Is there a phenomenon of less carry-over cost and increased profit?

66. Does the return on investment reach the level of peers? Is the rate of getting cash in investment income normal? Are there any bad assets in long-term investment?

Verb (abbreviation of verb) uses, time limit and source of repayment

67. What is the purpose of enterprise loans?

68. Is there a sequence?

69. Does the project loan comply with the procedures? For example, project establishment, feasibility study and environmental assessment?

70. How much self-financing is there? What is the proportion of capital demand? Is it in place?

7 1. What is the repayment source of the loan? Calculate whether the repayment source is deducted from the working capital?

72. When will the repayment be made? Working capital loan measures the business cycle of the enterprise, while project loan measures the annual net cash flow of the enterprise.

Risk control measures of intransitive verbs

73. How to control the outflow of corporate credit funds and the withdrawal of sales funds?

74, how to supervise the enterprise production or project progress?

75. What is the guarantee method?

76. Is the appraisal value of collateral high? Is the collateral defective?

77. What is the repayment ability of the guarantor?

78. How to supervise warehouse receipts?

79. Do you agree to sign the personal unlimited liability guarantee and forward auction agreement?

VII. Income measurement

80. How to design credit products?

8 1. Do you want to open a basic account in our bank?

82. Does the loan interest rate meet the enterprise credit rating standard?

83. Is there any income from intermediary business?

84. Does the enterprise pay wages in our bank?

85. Does the legal representative handle VIP cards?

86. Do employees apply for credit cards?

87. Do affiliated enterprises handle online banking?

88. Do affiliated enterprises and upstream and downstream enterprises open accounts in our bank? Do downstream enterprises handle factoring? Can upstream enterprises handle warehouse preservation business?

89. Does the credit balance exceed the concentration requirements of banks?

90. Is the credit rating above AA?

9 1. Is the mortgage interest rate below 50%?

92. Is the occupancy rate of funds collected by credit business types and industries the lowest?

Eight, the social reputation of enterprises

93. Did you go to the Industrial and Commercial Bureau to inquire about the annual inspection of the enterprise, the company's articles of association and the record of shareholder change?

94. Did you go to the housing exchange to inquire whether the fixed assets of the enterprise have been mortgaged or sealed up?

95. Did you go to the housing exchange to inquire about the personal property status of the legal representative of the enterprise?

96. Did you go to other financing banks to find out the credit status of the enterprise?

97. Did you go to the same industry or industry association to learn about the reputation of enterprises in the same industry?

Nine. Legal elements

98. Is there a board resolution?

99. Did I sign the loan contract and the guarantee contract?

100. Do couples with unlimited personal responsibility sign in person?

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