To calculate an enterprise's loan limit, you first need to confirm the enterprise's annual credit limit. In commercial banks and rural credit cooperatives, having a credit limit is basically equivalent to having a loan limit. The calculation of the credit limit needs to be based on the company's recent three The data of the financial statements of the year and the most recent month, the audit status of the statements, the actual ability and cooperation of the business operators and the company as a whole, as well as the internal employees, etc. are combined to determine the credit rating of the company, and then based on the credit rating of the company The company's annual credit limit is calculated by comprehensively considering the company's sales, company size, and more than a dozen ratios such as current asset turnover rate, inventory turnover rate, and accounts receivable turnover rate. In addition, it is also necessary to calculate the enterprise's financing demand by referring to the corporate financing quota calculation recently updated by the China Banking Regulatory Commission in 2010: estimate the working capital demand/working capital turnover rate in the next year, on the basis of ensuring that the financing demand is less than the annual credit limit , the demand limit can be regarded as the enterprise's loan limit for that year.