Its calculation formula is: loan sales rate = total sales revenue × capital loan rate/average loan occupation. ?
Loan sales rate refers to the ratio of enterprise sales to bank loans in a certain period of time. Reflect the sales realized by one yuan loan, or the turnover rate in the loan operation of this enterprise.
The loan sales rate index is the primary index to assess the operating efficiency of enterprise loan funds, and it is also an important index for banks and financial institutions to measure the solvency of enterprises. For enterprises, the total amount of general working capital loans shall not exceed 30% of sales revenue.
Extended data:
"loan-to-deposit ratio"
Loan-to-deposit ratio spot loan-to-deposit ratio refers to the comparison between total bank loans and total deposits.
From the point of view of bank profitability, the higher the loan-to-deposit ratio, the better, because deposits have to pay interest, which is the so-called cost of capital. If a bank has more deposits and less loans, it shows that its cost is high, its income is low and its profitability is poor. Because commercial banks aim at making profits, they will try their best to improve the loan-to-deposit ratio case.
Loan-to-deposit ratio is equal to the ratio of loan balance to deposit balance. According to the regulations of the People's Bank of China, the loan balance includes short-term loans, medium-and long-term loans, overdue loans, notes receivable and discounts; Total deposits include demand deposits, remittances payable, deposits, long-term deposits and long-term savings deposits.