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

2. The loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan 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 borrowed by enterprises from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan. Its calculation formula: the same period of this year divided by the data of the same period of last year, and then divided by the percentage.

(1) Estimating the amount of working capital of the borrower.

The influencing factors of working capital of borrowers mainly include cash, inventory, accounts receivable, accounts payable, accounts received in advance and accounts received in advance. On the basis of investigation, predict the time change and reasonably estimate the borrower's liquidity. In actual calculation, the borrower's liquidity demand can refer to the following formula: paid liquidity amount _ last year's sales revenue _ (1-last year's sales profit rate) _ (1-estimated annual growth rate of sales revenue) _ number of operations; Operating times =360_ (inventory turnover days _ average collection period _ accounts payable turnover days _ prepayments turnover days _ average collection period) turnover days _360_ turnover times _ sales revenue _ average accounts receivable balance, accounts receivable turnover times _ sales revenue _ average accounts receivable balance, inventory turnover times _ sales cost _ average inventory balance, prepayments turnover times _ sales cost _ average accounts payable balance.

Two, estimate the amount of new working capital loans

After deducting the borrower's expected liquidity demand from the borrower's own funds, existing liquidity loans and other financing, the amount of new liquidity loans can be estimated. New working capital loan amount _ working capital amount-borrower's own funds-existing working capital loans-working capital provided by other channels. The so-called micro-credit for farmers refers to a kind of credit business behavior based on farmers' reputation, which determines the loan fund limit and loan term through certain procedures, in order to solve the difficulties of farmers' production funds, simplify the procedures of micro-credit loans for workers and peasants, and better play its role in promoting the work of agriculture, rural areas and farmers in Corps. In order to support the enthusiasm of financial investment in farmers' loans, the state has issued a series of incentive policies, mainly including the implementation of business tax rate on agriculture-related loans in taxation and financial incentives for the increase of agriculture-related loans in finance. The development of micro-credit business for farmers in the farming and animal husbandry farms of the Corps has played an important role in solving the problems of industrial and agricultural production in the reform process of the Corps, and ensured the smooth progress of the reform of the Corps.

How to calculate the growth rate of Pratt & Whitney small and micro loans

Loan growth rate is the abbreviation of loan growth rate. For example, in June 5438+ 10, the bank lent 300 billion yuan, and in February, the loan growth rate was (3300-3000)/3000×100% =10%.

1, usually defined as the failure rate that will be rejected 90% of the time. Bank's non-performing assets, loan quantity, and total loan amount. If the bank's internal design tolerance, the number of non-performing products, and the important indicators of asset safety are high, the calculation formula of bank's non-performing loan deviation is as follows: random sample deviation/loans 100= loan provision ratio/provision coverage ratio 100% The non-performing loan ratio of financial institutions is to evaluate the credit of financial institutions.

How to calculate the loan growth rate

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. the main features of its performance are:

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.

The introduction of the calculation formula of loan growth rate ends here.