It's usually written like this. Write the basic information of the company first, that is, the time of establishment, registered address, registered capital and business scope; Then introduce the company's operation in the last three years (it is best to blow it); Let's talk about the use of corporate loans first. After the loan, it can bring great impetus to production. However, due to the rapid development of the company recently, the liquidity is a little tight, which makes the bank feel that your company has a good prospect and your company has great repayment ability after the loan. Finally, look forward to the future of the company and so on. = = = = = = = = = = = = = = = = = = = = = = XX Application Investigation Report I. Borrower Profile 1. Basic information XX Drive Axle Co., Ltd. is located in Anren Road, XX County, and was established in May 1957. In March 2003, Jiangxi XX Drive Axle Co., Ltd. was merged by Ningbo BB Group, with BB Group holding 70% of the shares and original factory management holding 30%. The new company takes the net assets as the transferee price to acquire the whole assets of the drive axle factory in accordance with the way of debt commitment. After the establishment of the new company, the registered capital is100000 yuan, all of which is contributed in cash, of which: Ningbo BB Group Co., Ltd. shall contribute 7 million yuan (the actual contribution is 9130000 yuan, of which 2130000 yuan is the contribution lent by Jiangxi XX Drive Axle Co., Ltd. (to be established) to other shareholders. ), accounting for 70% of the registered capital; The contribution payable is RMB 6,543.8+0.8 million (actually RMB 6,543.8+0.8 million), accounting for 654.38+0% of the registered capital; Zhang Fengyi should contribute 550,000 yuan (actually contributed 654.38 million yuan), accounting for 5.5% of the registered capital; Xi Laru shall contribute 400,000 yuan (actually contributed 60,000 yuan), accounting for 4% of the registered capital; Liu Jianmin should contribute RMB 6,543,800+0.5 million (actually contributed RMB 50,000), accounting for 654.38+0.5% of the registered capital; Yan Gaoya should contribute 900,000 yuan (actually 480,000 yuan), accounting for 9% of the registered capital; All the funds are in place. The legal representative is Zhou Cimei, with 683 employees; Among them, there are 58 engineers and technicians. The factory covers an area of 654.38+10,000 square meters, with a production building area of 27,000 square meters. 2. Jiangxi XX Drive Axle Co., Ltd., a manufacturer, is a designated factory specializing in the production of construction machinery drive axles of the Ministry of Machinery. The leading product of the enterprise "Mercedes-Benz" brand drive axle is mainly used in the fields of loaders, road rollers, graders, forklifts and other construction machinery. , the product is cost-effective. At present, it has more than 90 kinds of deformation products in 7 series, with an annual output of 7,000 sets of various types of construction machinery drive axles, among which ZL20, ZL 15 and ZL30B drive axles are excellent products respectively. The company's products are mainly divided into two parts. One is the loader drive axle, and the product models are ZL 15, ZL30, ZL40 and ZL50, accounting for about 25% of the national sales market. One is the drive axle of road roller, and the product models are PS50 series and PS75 series, accounting for about 50% of the national sales market. 3. Manager's quality * * * There are 7 leaders in the company, including general manager 1, 3 deputy general managers, assistant manager 1, chairman of the trade union 1, staff of the board of supervisors 1, expatriate managers of BB Group 1 and 4 senior titles. The team is politically firm and United. Strong spirit of reform and pioneering, with high organizational ability and leadership decision-making level. General manager Fu, former director (senior engineer) of XX drive axle factory, has been engaged in the production of drive axles for nearly 20 years with strong professional level. The comrade has a good character, is honest and upright, bears hardships and stands hard work, and has certain personal charm. Second, the borrower's production, operation and economic benefits: since the country stepped up infrastructure construction, the company has been continuously carrying out technological transformation to improve productivity, but the products are still in short supply. In 2000, the sales revenue was 39 million yuan, 200 1 year was 47 million yuan, and in 2002 it was 72 million yuan. In 2003, the sales revenue 10072 million yuan, and the growth rate of sales revenue in recent three years was 20.5%, 53. 19% and 39.89% respectively. In 2000, the total profit of the company was 24,000 yuan, 25,000 yuan in 20001year, 250,000 yuan in 2002 and 2.42 million yuan in 2003. The company's net profit grew slowly in the first three years, mainly because the company wrote off many historical bad debts. The production of general enterprises is mass production. At the beginning of each year, construction machinery and vehicle manufacturers will sign annual demand orders for drive axles. The company's general sales season is 2-3 quarters, but in recent years, due to the shortage of products, the seasonal response in sales is not strong. The company's sales model is to sell directly to construction machinery and vehicle manufacturers, without going through the seller, and the business cycle is generally about 2 months. The main suppliers are: Sanjiu Gong Yi Biochemical Co., Ltd., Changzhou Forestry Machinery Factory, Zhengzhou Construction Machinery Factory, Yellow River Construction Machinery Factory, Xiamen Construction Machinery Comprehensive Factory, Changzhou Construction Machinery Factory, Southern Water Conservancy Construction Machinery Factory, Chaoyang Construction Machinery Co., Ltd., Yantai Construction Machinery Factory, Tianjin Municipal Construction Machinery Factory, Shanghai Urban Construction Machinery Factory, Sanming Heavy Machinery Factory, Luoyang Construction Machinery Factory, etc. We have established stable business cooperation relations with large construction machinery enterprises such as Shanghai, Zhejiang, Shandong, Fujian and Hunan. The development of enterprises shows a strong growth trend; With the further investment in infrastructure construction and the implementation of the western development strategy, the market space of construction machinery drive axle is huge. Three. The financial status of the borrower is 65,438+0. The main financial indicators of the company in the last three years are+++++table++++According to the analysis of the above table: (65,438+0) Borrowing situation: short-term loan is 24 million yuan (county ICBC is 23,654,380+million yuan, which is not involved by other banks. (2) The company's operation and management are normal, and its asset-liability ratio is slightly higher, but its sales revenue has increased rapidly, and its net profit in 2003 was 2.42 million yuan. (3) From the analysis of current ratio and quick ratio, the company has strong short-term solvency. Generally speaking, the company's operation and management are normal. With the continuous strengthening of internal management, the company's profitability has been further improved and its ability to resist risks has been continuously enhanced. 2. Development In 2004, the company signed 8,600 sets of production orders for drive axles, with estimated sales revenue of10.5 million yuan and profit and tax of10.0 million yuan, including tax of 6 million yuan and after-tax profit of 4 million yuan. Four. Relationship between the company and the bank: The company has been engaged in credit business in XX County Sub-branch of Industrial and Commercial Bank of China for a long time, and basic account has not involved ICBC and other financial institutions, of which ICBC borrowed 24 million yuan, with good credit standing and never overdue. The credit rating of China Industrial and Commercial Bank is AA. Our bank has a long-term discount business with this company, and the two sides have a happy cooperation. In 2003, due to the government's efforts to attract investment, our bank paid close attention to the merger of the company. After being successfully acquired by Ningbo BB Group, our bank made a marketing plan in time. With the strong support of the superior bank, our company is willing to have a credit relationship with our bank and become our basic customer through the multi-party marketing of the management personnel of the group company and the local company and our good service. V. Necessity and Feasibility Analysis of the Loan If the loan is issued successfully, it will not only make the enterprise become the basic customer of the bank, but also increase the corporate deposit by about 4 million yuan, and the average daily balance will reach more than 2 million yuan. At the same time, it will bring settlement business to banks nearly 1 00000 yuan every year, resulting in direct economic benefits100000 yuan. In addition, because the company is located in our county, we can also obtain the company's wage agency, pay nearly 6 million yuan every year, and increase the savings deposit by nearly 2 million yuan every year. As the company is one of the three leading enterprises in our county, it will further expand our influence in the local area, and the company has good development prospects, which will further improve our credit amount and credit structure, disperse our credit risks and improve our profitability. The non-performing loan ratio of the Bank will decrease by 2.25%, and the non-performing loan ratio will be 7.8 1%, laying a certain foundation for the future competition of the Bank. Analysis of the guarantor of intransitive verb loan This loan is guaranteed by Ningbo BB Group Co., Ltd., one of the 18 large enterprise groups cultivated by Ningbo BB Group, and it is a five-star enterprise in Ningbo. The company has entered the top 500 private enterprises in China and the top 500 auto parts industries in the world. XX county drive axle co., ltd is a subsidiary of Ningbo BB group. Ningbo BB Group Co., Ltd. has total assets of more than one billion yuan, the legal representative of the company is Zhou Cimei, and the registered capital of the company is1000000 yuan. At present, there are 27 branches, the main products are automobiles, special equipment, auto parts, electronic products, aquatic food and large and medium-sized precision molds. All enterprises under the Group passed the 1997 ISO9000 certification in August 2003, the199QS9000 (USA) and VDA6. 1 (Germany) certification in June, and passed the acceptance appraisal of CIMS project of the National 863 Plan in 20031October. Ningbo BB Group is the basic customer of China Bank Xiangshan Sub-branch, and the credit rating of China Bank is AAA. Seven. Conclusion It is agreed to issue a short-term working capital loan of 30 million yuan to the company with a term of × years and an interest rate of 5.3 1%, and Ningbo BB Group Co., Ltd. will provide joint and several liability guarantee.