1. Steady financial structure: enterprises need to ensure that the ratio of net assets to loan balance (net assets debt ratio) is greater than 100%, and in general, real estate enterprises can relax it to more than 80%. The asset-liability ratio should be controlled below 70%, preferably below 55%.
2. Good solvency: the current ratio should be kept between 150%-200%, and the quick ratio should be at least 80%, which can be appropriately relaxed for small and medium-sized enterprises. At the same time, it is ideal that the guarantee ratio is less than 0.5 and the cash ratio is more than 30%, which can reflect the good cash liquidity of the enterprise.
3. Healthy cash flow: the net cash flow generated by operating activities should be positive, the cash withdrawal rate of sales income should reach 85%~95%, and the cash payment rate of purchases should also be within this range.
4. Improvement of business ability: If the income growth rate of the main business is greater than 8%, it means that the business of the enterprise is growing steadily; The turnover rate of accounts receivable should be more than 6 times, reflecting the speed of fund recovery.
5. Effective inventory management: the inventory turnover rate of small and medium-sized enterprises should be more than 5 times, reflecting the rapid inventory turnover and low capital occupation.
6. Strong profitability: the operating profit rate is greater than 8%, indicating that the enterprise has strong profitability. For small and medium-sized enterprises, the return on equity is greater than 5%, indicating a good return on investment.
7. Adequate interest guarantee: the interest guarantee multiple should be greater than 400% to ensure that the enterprise has enough profits to cover interest expenses.
These indicators are an important basis for banks to evaluate debt risks, business conditions and development potential. Enterprises need to ensure that all indicators are at a healthy level in order to improve the success rate of loan applications.