Bank loan report reference indicators:

(1) financial structure:

1. The ratio of net assets to year-end loan balance must be greater than 100% (real estate enterprises can be greater than 80%); The ratio of net assets to year-end loan balance = year-end loan balance/net assets 100%, and the ratio of net assets to year-end loan balance is also called the net asset-liability ratio.

2. The asset-liability ratio must be lower than 70%, preferably lower than 55%; Asset-liability ratio = total liabilities/total assets X 100%.

(2) Solvency:

1, and the flow ratio is 150%~200%. Current ratio = current assets/current liabilities 100%.

2. The quick action ratio is about 100%, and SMEs should be above 80%. Quick ratio = quick assets/current liabilities100%; Current assets = monetary funds, transactional financial assets, accounts receivable and notes receivable = current assets-inventory-prepayments-non-current assets due within one year-other current assets.

3. The guarantee ratio is less than 0.5.

4. The cash ratio is more than 30%. Cash ratio = (cash equivalent)/current liabilities.

(3) Cash flow:

1. 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%.

2, enterprises in business activities to pay for the purchase of goods and services in cash payment rate should be above 85~95%.

(4) Operating ability:

1, the growth rate of main business income is not less than 8%, indicating that the main business of the enterprise is in the growth stage. If the ratio is less than 5%, it indicates that the product will enter the end of its life. Growth rate of main business income = (current main business income-previous main business income)/previous main business income 100%

2 accounts receivable turnover rate should be greater 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. Accounts receivable turnover speed (accounts receivable turnover times) = operating income/average balance of accounts receivable = operating income/(year-end balance of accounts receivable) /2= operating income 2/ (year-end balance of accounts receivable).

3. The inventory turnover rate of 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. Inventory turnover speed (times) = operating cost/average inventory balance, where average inventory balance = (beginning inventory and ending inventory) ÷2.

(5) Operating benefits:

1, and the operating profit rate should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability of the enterprise. Operating profit rate = operating profit/operating income (commodity sales) × 100%= (sales income-commodity sales cost-management expenses-sales expenses)/sales income × 100%.

2. The 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. Return on net assets = net interest rate of total assets × equity multiplier = net operating rate × total assets turnover rate × equity multiplier; Net operating profit margin = net profit ÷ operating income; Total assets turnover rate (times) = operating income ÷ average total assets; Equity multiplier = total assets ÷ total owner's equity = 1÷( 1- asset-liability ratio).

3. The interest guarantee multiple should be greater than 400%. Interest guarantee multiple = earnings before interest and tax/interest expense = (total profit financial expense)/(interest expense in capitalized interest of financial expense).

Extended data:

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Loan Type 4: Self-operated loan

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

Loan Type 5: Housing Mortgage Loan

Many people buy houses and apply for mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.