short-term loan
Transactional financial liabilities
notes payable
accounts payable
Deposits received
Wages payable
Taxes payable
Owe interest
Dividends payable
Accounts payable-others
money borrowed for long term
Corporate bonds payable
long-term payables
Among them, loans are divided into short-term loans and long-term loans.
I wish I could help you.
The financial statements of microfinance companies are all in a unified format, but the information inside is different and similar.
Make it yourself, you need to make it monthly, and then generate an annual report at the beginning of the year.
General loan statements include at least three-year statements, monthly statements for the past three to six months and various detailed information, such as inventory details.
Accounts receivable and accounts payable details, current details, advance payment details, these.
You can refer to the loan report or loan report template of finished products and have a look online;
If you are lazy, you can find a similar template on Taobao. There should be one.
How to calculate the debt growth rate of listed companies? Can it be found directly in the financial statements? It's simple. The debt growth rate is calculated by subtracting the total liabilities in the current balance sheet from the total liabilities in the previous period (total current liabilities+total long-term liabilities+deferred tax deduction) and then dividing by the total liabilities in the previous period * 100%.
How do small loan companies infer the repayment ability of debtor companies according to their financial statements? Look at the accounts receivable in the financial statements first. Large accounts receivable indicate that the repayment ability of enterprises is poor. If your loan term is one year, you should consider whether the enterprise's payment can come back after one year. Look at the inventory, the size of the inventory indicates the operating status and sales status of the enterprise, and look at the accounts payable to see how much money the enterprise still owes outside. In addition, the current ratio is greater than 65,438+0, and the quick ratio is greater than 2, which indicates that the short-term repayment ability of the enterprise is not bad. The asset-liability ratio is lower than 50%, indicating that the long-term repayment ability of enterprises is not bad. If an enterprise is in the early stage of investment development, it may have poor short-term repayment ability, spend more money and have a higher asset-liability ratio. However, if the enterprise belongs to the sunrise industry, you can also consider lending it to him. I think there are too many false financial statements, and it is too hasty to borrow money according to them. It is still necessary to actually visit the enterprise to see the temper of the actual controller of the enterprise, the ability of social financing, and how much debt he has outside, which may drag down the enterprise. Small loans generally make huge profits in a short period of time. It is not feasible to read the report, mainly depending on his ability to make money. I think it's ok.
How to calculate the debt growth rate of listed companies? Can it be found directly in the financial statements? How to find it? From the financial statements, we can find: 1. In the balance sheet, one indicator is the asset-liability ratio, which is calculated by 100%. In different quarterly or annual financial reports, the data will change. From the data changes, we can see whether the company's debt ratio has increased or decreased. 2. If you don't consider the total assets of the company, only consider whether the liabilities have changed. Please refer to the total liabilities in the balance sheet in the financial report.
Loan financial statements Hello, are you there? I can help you write the report, but your information is incomplete. How can I contact you?
Need to consider monthly repayment, which means that the average monthly profit is about three times that of monthly repayment. . But it doesn't need to be too high, and it should be within 20% of the loan amount. . .
It's too low. The bank thinks that your repayment ability is insufficient. . . It's too high. The bank thinks it unnecessary for you to borrow money. . .
This is the main problem. . . Nothing else. .
Generally, the cash flow statement is not used much, just use the bank statement.
Excuse me, which item does the debt due in this period correspond to in the financial statements? A debt due within one year corresponds to a short-term loan in the balance sheet.
A debt with a maturity of more than one year corresponds to a long-term loan in the balance sheet.
Which of the financial statements is a bad asset? There is no special account for non-performing assets in the financial statements.
Non-performing assets of enterprises refer to the net losses and potential losses (funds) that have not been dealt with by enterprises, as well as the estimated loss amount of various problem assets that should be provided for asset impairment according to the provisions of financial accounting system.
The non-performing assets of banks are also often called non-performing debts, the most important of which is non-performing loans, which refer to loans that bank customers cannot repay the principal and interest on time and in quantity. In other words, the loan issued by the bank cannot recover the principal and interest according to the agreed period and interest rate.
Non-performing assets mainly refer to non-performing loans, including overdue loans (overdue loans), sluggish loans (loans overdue for more than two years) and non-performing loans (loans that need to be written off and cannot be recovered). Others include real estate and other real estate portfolios. Non-performing assets refer to assets that can not participate in the normal capital turnover of enterprises, such as long-term arrears of accounts receivable by debt units, sluggish backlog of materials purchased or produced by enterprises, and non-performing investments.
The bank will not check the financial statements of the loan card. It only looks at whether the statement is flat. The statement submitted to China Bank may be different from the statement of the bank you want to borrow. They just regard the presentation as a process. You just didn't exaggerate them.