The company needs a loan. Generally speaking, banks require financial statements for the past three years. If you want a beautiful report, you must make all the indicators meet the requirements of bank loans.

1. Ratio of net assets to annual outstanding loans. Must be greater than 100% (real estate enterprises can be greater than 80%).

2. Asset-liability ratio. It must be less than 70%, preferably less than 55%. Solvency:

3. Current ratio. Generally speaking, the larger the index, the stronger the short-term solvency of enterprises. Usually the index is 150%~200%.

4. Quick ratio. In general, the greater the index, the stronger the short-term solvency of enterprises. Usually the index is around 100%, and SMEs should be above 80%.

5. Guarantee ratio. Enterprises should minimize the risk of loss. Generally speaking, the ratio is less than 0.5. Cash flow:

6. The net cash flow generated by the business activities of the enterprise should be positive, and the cash withdrawal rate of its sales income should be above 85~95%.

7. When an enterprise pays for purchased goods in business activities, the cash payment rate of labor services should be above 85~95%. Operating ability:

8. Growth rate of main business income. Generally speaking, if the annual growth rate of main business income is not less than 8%, it means that the main business of the enterprise is in the growth stage. If the ratio is less than -5%, it means that the product will enter the end of its life.

9. Turnover speed of accounts receivable. The average enterprise should be more than six times. Generally speaking, the higher the turnover rate of enterprise accounts receivable, the shorter the average collection period of enterprise accounts receivable, and the faster the speed of fund withdrawal.

10, the turnover rate of deposits and loans, generally small and medium-sized enterprises should be more than five times. The faster the inventory turnover rate, the lower the inventory occupancy level and the stronger the liquidity. Operational benefits:

1 1, operating profit rate, which indicates the profit level of annual operating income and reflects the comprehensive profitability of the enterprise. Generally speaking, the index should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability of the enterprise.

12, the current return on equity of SMEs should be greater than 5%. Generally speaking, the higher the index value, the higher the return from investment and the higher the income level of shareholders. However, it is difficult to achieve all the actual conditions of the enterprise. Of course, it is not difficult to make the report up to standard through manual mediation. The difficulty is that the bank also requires that it must be audited by an accounting firm, which is cautious and strict in loan auditing, which requires you to be flexible.

Two, the basic standards of bank loan financial statements.

The most important thing is not how to do the financial report, but whether what you do is profitable, and whether the running water of your company can be checked with the financial report, which will be seen when the bank audits! Mainly your mortgage!

Three. Basic standards for handling financial statements of bank loans

It's not about how to make financial reports.

But whether what you do is profitable or not, and whether your company's running water can be checked by financial report, this will be seen when the bank audits!

The most important thing is the full value of your collateral, and there is a corresponding source of repayment!

Four. What specific requirements does the company have for financial statements when handling bank loans?

The information that must be provided for handling the loan is as follows:

First, the basic information:

1, a copy of the annual business license with official seal;

2. A copy of the qualification certificate and ID card of the legal representative;

3. Brief introduction of the enterprise and its legal representative;

4. A copy of the loan card;

5. Financial statements (including audit reports) for the last three years and the last two periods, including balance sheet and income statement.

Second, other supplementary information:

1, loan application report;

2. Resolutions of the board of directors;

3. Payment and repayment plan.

4. Copy of the legal person code certificate and affix the official seal;

5. Copy of enterprise tax registration certificate (national tax and local tax);

6. A copy of the company's articles of association and cooperation agreement;

7, registered capital verification report;

8. A copy of the user's bank account opening license;

9. Bank deposit statements and tax payment vouchers for the last 3-5 months of this year in the basic bank settlement account;

10, patent technology, award-winning certificate and quality management certificate of enterprises and main products;

1 1, financial statements (including audit reports) for the last three years and the last two periods, cash flow statement, statement of changes in financial position and financial statements.

12. List of fixed assets, accounts receivable/payments and inventories;

13, copy of product purchase and sale contract, warehouse receipt issued in the last 3-5 months;

14. Regarding the lease contract, the water and electricity charges for the last 3-5 months (copy);

15. Ownership certificate of mortgaged (pledged) property (such as real estate, equipment, vehicles, etc.);

16, a copy of the power of attorney and ID card of the authorized agent.