Small and medium-sized enterprises need capital operation in their daily operations. If an enterprise wants to apply for a loan, it is necessary to investigate its liabilities and daily business activities. How to judge whether there are external guarantees and private loans for small and medium-sized enterprises has become an important issue. Then, I will mainly introduce how to judge whether there are external guarantees and private loans for SMEs.

(1) got it.

First of all, we should have a general understanding of the industry in which the enterprise is located, and also know what the normal capital turnover of this industry is like. Under normal circumstances, how do enterprises in this industry settle accounts with them upstream, and whether there is an account period for customers to settle accounts with him. Of course, there are many such situations. If all enterprises are settled in cash, then it is necessary to increase the tightness at this time. If the downstream is settled in cash, it generally doesn't need too much money, so enterprises need to borrow money for some purposes; If there is an accounting period, it is necessary to know the proportion and who is in arrears, and then after a series of calculations, we can judge what the loan amount the enterprise needs.

(2) Chatting

Chatting with business owners is mainly about some situations before and after the establishment of the enterprise. In the process of chatting, you can see how much effort the boss has spent on the enterprise. From the context of this enterprise, we can see what the course of this enterprise is. The boss who has feelings for the enterprise will definitely not joke about the future of this enterprise. Let's talk about whether the boss's future plan should be bigger and broader, or better and deeper.

Invisible, of course, will be derived to some related industries. If the enterprise is engaged in real estate and the boss wants to be an investment company, then it may be dissatisfied with the current profit rate of the industry. At this time, if the loan is agreed, the risk will be even greater, which may cause credit risk.

(3) Investigation

The main goal of the survey is to investigate the upstream and downstream customer groups of the enterprise.

Pick a few real upstream customers.

Mainly ask about the operation of this enterprise, choose several companies that have been cooperating now, and also choose several companies that have cooperated before and have not cooperated now (this is very important).

First of all, you can confirm whether the settlement method you know is correct; Secondly, knowing the procurement cycle of some main raw materials in this enterprise can also examine the actual production capacity and sales volume of this enterprise; Finally, ask about the reputation of this enterprise. The reputation of this enterprise in suppliers is often the boss's character. Moreover, if the boss wants to borrow money, the most convenient channel is the upstream customers. Long-term default on payment is equivalent to long-term borrowing.

Pick five or six real downstream customers.

First, confirm the settlement method; Secondly, ask whether the product quality of this enterprise is stable and the supply is normal.

It should be noted that when investigating these things, it is best not to use the data tables given by these bosses, but to directly find their receipt and delivery documents, which will have detailed supplier names or customer names.

Through the above investigation, we can get the possibility of private lending and external guarantee.

After a series of investigations, relevant conclusions can be drawn.

(1) If there is a large amount of cash on hand, the upstream owes and the downstream deposits and pays. In fact, the loan demand of enterprises is not strong. If enterprises still need loans, there is definitely a problem.

(2) If the turnover is normal and you don't need additional funds, you may borrow money from the bank for a long time, or some fixed assets in your hand will be cashed out by the shell of the enterprise. At this time, you should consider where the enterprise's money will be spent.

(3) If the upstream wants cash and the downstream owes money, then the enterprise's loan is indeed a turnover problem, and it is necessary to give him an accurate loan amount.