Question 1: What is the meaning of bank loan coverage ratio? The extent of bank loan risk coverage.

Question 2: What does bank loan coverage ratio mean? hhhhhhhhh

Question 3: What does it mean that 75% of 3 times of the monthly loan repayment can cover non-mortgage loans? Simply put, your monthly flow must cover more than 2 times of the repayment

Question 4: What does primary lender mean? Does it have anything to do with the loan ratio? The primary lender is the name filled in in the "lender" column when applying for a housing mortgage loan, and is responsible for the main loan repayment. The other is the "co-repayer", who must be an immediate relative. Both parties are jointly responsible for repaying the loan. It is related to the loan ratio, and it mainly depends on whether there is real estate in the past, whether there is a loan, and bank qualifications.

Does your birth certificate also have your partner’s name on it? There is nothing you can't do if you get married in Shanghai. You can consult the local real estate trading center. Yes, after obtaining the certificate, it is a joint property after marriage.

Question 5: How do you understand the statement that platform risks are characterized as full coverage? What is platform risk? Its own cash flow 100% covers the principal and interest of the loan, and the risk characterization of the financing platform by each creditor bank is fully covered. Banking financial institutions accurately classify platform loans based on cash flow coverage (cash flow coverage ratio = current debt repayable cash flow / current debt repayment liability). The China Banking Regulatory Commission uses cash flow coverage for the repayment level of local *** investment and financing platform loans. According to the "four-point method" of the rate, local financing platform loans should be divided into four categories: full coverage, basic coverage, semi-coverage and basic no coverage according to the cash flow coverage ratio. Full coverage of cash flow should make cash flow management safer and the risk of rupture smaller. If full coverage is not available, cash flow needs to be supplemented through other means to repay debt.

Question 6: Friends who are familiar with banking business would like to ask a question: What is the loan coverage ratio? The coverage ratio of central fiscal revenue to national debt = central fiscal revenue/the balance of national debt outside the bank

The coverage ratio of local fiscal revenue to local debt = local fiscal revenue/total local debt

Question Seven: In financial cost management, what does it mean that the planned net sales interest rate covers the increase in borrowing interest? The purpose of this assumption is to get rid of data duplication in funding forecasts.

Increase in retained earnings = Estimated sales revenue Affects borrowing interest - Borrowing interest affects net sales interest rate... and so on

Question 8: How to determine whether the income can cover the loan 1. In 2014, Zhang San's income must reach 5.7 million yuan (principal) + Interest expenses are about 300,000 yuan + household expenses are about 100,000 yuan + operating income.

2. Expenditure = family living expenses of 100,000 yuan + interest expenses of 300,000 yuan + operating costs.

3. If the income in 2014 is 4.6 million, can it be said that the income in 2014 cannot cover the total loan (1818210), and there are insufficient sources of repayment.

This is an obvious lack of repayment sources! Based on a profit of 30%, the project cost would be around 21 million to cover the principal and interest of the loan.

To add: The total project cost of 4.6 million yuan does not mean that Zhang San earned 4.6 million yuan in 2014. This is just the project cost.

Let me emphasize: the repayment ability of a loan cannot be analyzed based on pure income, but must be analyzed based on cash flow. Don't confuse the two concepts.

Question 9: What industry does a small loan company belong to? It is a non-financial industry that can operate money. It currently belongs to the enterprise category and is established in accordance with the company law. However, it is established in accordance with the requirements of financial enterprises to establish an internal control mechanism. and financial system, so his status is very embarrassing at present. In fact, he is engaged in finance without the name of finance. In my personal opinion, he belongs to "socialism with Chinese characteristics, a clear-cut planned economy, and obvious characteristics of planned economy. Private capital is very eager to marry him." I wanted to finish the same thing before I closed it, but then I found that the future was bright and the road was tortuous.” Haha, the industry is a bit convoluted. Take your time.

Question 10: What is the weighted average interest rate of loans? The weighted average interest rate of loans = loan The sum of the interest actually incurred in the current period / the weighted average of the loan principal × 100%

The numerator of the above formula "the sum of the actual interest incurred in the loan in the current period" refers to the amount of interest actually incurred in the loan in the current period

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The denominator of the above formula "weighted average of loan principal" refers to the weighted average of the principal balance of the loan during the accounting period. Its calculation should be based on the principal of each loan multiplied by the actual actual amount of the loan in the current period. The ratio of the number of occupied days to the number of days covered by the accounting period is determined.

The calculation formula is: weighted average of loan principal = ∑ (principal of each loan × actual number of days occupied by each loan/accounting period covered number of days)

To simplify the calculation, the number of months can also be used as the weight to calculate the weighted average of the loan principal.