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Investigation Report on XX Company's Application for Short-term Working Capital Loan

I. Overview of the Borrower

1. Basic information

XX Drive Axle Co., Ltd. is located in Anren Road, XX County. It was established in May 1957. In May 1979, it was officially changed to drive axle production and renamed as XX County Drive Axle Factory. After more than 20 years of development, it has become one of the three major enterprises specializing in the production of drive axles in China. In March 2003, it was merged by Ningbo BB Group to establish Jiangxi XX Drive Axle Co., Ltd., with BB Group accounting for 70% of the shares and original factory management accounting for 30% of the shares.

The new company takes the net assets as the transferee price according to the way of debt commitment, and acquires the overall assets of the drive axle factory. After the establishment of the new company, the registered capital is10,000,000 yuan, all of which is contributed in cash, of which: Ningbo BB Group Co., Ltd. shall contribute 7,000,000 yuan (the actual contribution is 9/kloc-0,300,000 yuan, of which 2/kloc-0,300,000 yuan is the investment money lent to other shareholders in Jiangxi XX Drive Axle Co., Ltd. (to be established). ), accounting for 70% of the registered capital; Fu Zhangqing should contribute100000 yuan (actual contribution180000 yuan), accounting for10% of the registered capital; Zhang Fengyi shall contribute 550,000 yuan (actual contribution100,000 yuan), accounting for 5.5% of the registered capital; Xi Laru should contribute 400,000 yuan (actually contributed 60,000 yuan), accounting for 4% of the registered capital; Liu Jianmin should contribute150,000 yuan (actually contributed 50,000 yuan), accounting for1.5% of the registered capital; Yan Gaoya should contribute 900,000 yuan (actually 480,000 yuan), accounting for 9% of the registered capital; All the capital is in place. The legal representative is Zhou Cimei, with 683 employees; Among them, there are 58 engineers and technicians. The factory covers an area of100,000 square meters, with a production and construction area of 27,000 square meters.

2. Production situation of enterprises

Jiangxi XX Drive Axle Co., Ltd. is a designated factory for the specialized production of construction machinery drive axles by the Ministry of Machinery. The leading product of the enterprise "Mercedes-Benz" brand drive axle is mainly used in the fields of construction machinery such as loaders, road rollers, graders, forklifts, etc., and the product performance-price ratio is reasonable. Now it has more than 90 deformed products in 7 series, with an annual output of 7,000 sets of drive axles of various construction machinery, among which ZL20, ZL 15 and ZL30B are excellent products respectively. The company's products are mainly divided into two parts, one is the drive axle of loader, and the product models are ZL 15, ZL30, ZL40 and ZL50, which account for about 25% of the national sales market; One is the drive axle of road roller, and the product models are PS50 series and PS75 series, which accounts for about 50% of the national sales market.

3. The quality of managers

The company's leadership team consists of 7 people, including general manager 1 person, 3 deputy general managers, assistant manager 1 person, chairman of the trade union 1 person, supervisor of the board of supervisors 1 person, and expatriate management personnel of BB Group 1 person, with 4 senior titles. The team is politically firm. With high organizational ability and leadership decision-making level, Fu Zhangqing, the general manager, is the former director (senior engineer) of XX drive axle factory, who has been engaged in the production of drive axles for nearly 20 years and has a strong professional level. The comrade has a good character, is honest and honest, bears hardships and stands hard work, and has a certain personal charm.

II. Production, operation and economic benefits of the Borrower:

Since the country stepped up its infrastructure construction, from 200/kloc-0 to now, the company has continuously carried out technological transformation and increased productivity, but its products are still in short supply. In 2000, the sales revenue was 39 million yuan, in 2000/kloc-0, it was 47 million yuan, in 2002 it was 72 million yuan, and in 2003 it was. In 2000, the company's total profit was 24,000 yuan, in 20001year, it was 25,000 yuan, in 2002, it was 250,000 yuan and in 2003, it was 2.42 million yuan. The company's net profit grew slowly in the first three years, mainly because the company wrote off many historical bad debts.

Generally, the production of enterprises is quantity production. At the beginning of each year, the manufacturers of construction machinery and vehicles sign orders for the demand of driving axles for the whole year. The company's general sales peak season is 2-3 quarters, but in recent years, due to the shortage of products, the response in sales seasonality is not strong.

The company's sales model is direct sales to construction machinery and vehicle manufacturers, without going through sellers, and the business cycle is generally about 2 months. The main suppliers are: Sanjiu Yigong Biochemical Co., Ltd., Changzhou Forestry Machinery Factory, Zhengzhou Construction Machinery Factory, Yellow River Construction Machinery Factory, Xiamen Construction Machinery Comprehensive Factory, Changzhou Construction Machinery Factory, Nanfang Hydraulic Engineering Machinery Factory, Chaoyang Construction Machinery Co., Ltd., Yantai Construction Machinery Factory, Tianjin Municipal Engineering Machinery Factory, Shanghai Urban Construction Machinery Factory, Sanming Heavy Machinery Factory, Luoyang Construction Machinery Factory, etc. With Shanghai, Zhejiang, Shandong, Fujian, Hunan and other large construction machinery enterprises to establish a stable business and cooperative relations. The development of enterprises shows a strong growth trend; With the country's further investment in infrastructure construction and the implementation of the strategy of developing the western region, the market space for driving axle of construction machinery is huge.

Iii. Financial Status of the Borrower

1. Main financial indicators in the list of the company in recent three years.

Unit: 10,000 yuan

column

At the end of 2000

200 1 end of year

At the end of 2002

In 2003

total assets

64 12

5762

5768

65 14

total liabilities

4479

3955

4 122

4399

In which: short-term loans

1825

1820

1800

2950

money borrowed for long term

Asset-liability ratio

69.85%

68.64%

7 1.46%

64.75%

liquidity ratio

142%

157.83%

148.25%

90.06%

quick ratio

85.65%

10 1.87%

106.88%

74.85%

sales revenue

39 16

47 17

7250

8753

the total profit

three

three

37

3 12

net profit

2

three

25

242

According to the above analysis:

(1) Loan situation: short-term loan is 24 million yuan (county ICBC is 23 10/00000 yuan, and other banks are not involved).

(2) The company's operation and management are normal, but its asset-liability ratio is slightly higher, but its sales revenue has increased rapidly, and its net profit in 2003 was 2.42 million yuan.

(3) From the analysis of its current ratio and quick ratio, the company has strong short-term solvency.

Generally speaking, the company's operation and management are normal. With the continuous strengthening of internal management, the profitability of the company has been further improved and its ability to resist risks has been continuously enhanced.

2. Development situation

In 2004, the company has signed 8,600 sets of drive axle production orders, and it is estimated that the sales revenue will be150 million yuan, and the profit and tax will be10 million yuan, including 6 million yuan in tax and 4 million yuan in after-tax profit.

IV. Relationship between the Company and the Bank:

This enterprise has been engaged in credit business in XX County Sub-branch of Industrial and Commercial Bank of China for a long time. basic deposit account has not been involved in ICBC and other financial institutions, of which ICBC borrowed 24 million yuan, and its credit standing is good, and it has never been overdue. ICBC has rated its credit as AA.

Our bank has had discount business with this company for a long time, and the cooperation between the two parties is pleasant. In 2003, due to the government's efforts to attract investment, our bank paid close attention to the merger of this company. After its successful merger by Ningbo BB Group, our bank formulated the marketing plan in time. With the strong support of the superior bank, our bank, through the multi-party marketing of the management personnel of the group company and the local company, and our good service, made the company willing to have a credit relationship with our bank and become our basic customer.

V. Necessity and Feasibility Analysis of Loan

If the loan is granted successfully, it will not only make the enterprise a basic customer of our bank, but also increase the public deposit by about 4 million yuan, and the average daily balance will reach more than 2 million yuan. At the same time, it will bring us nearly10 million yuan of settlement business every year and generate direct economic benefits of 10,000 yuan. In addition, because the company is located in the county seat of our county, we can also obtain the company's wage agency right, and pay nearly 6 million yuan every year, which can increase the savings deposit by nearly 2 million yuan every year. As the company is one of the three leading enterprises in our county, it will further expand our influence in the local area, and the company has good development prospects, which will further improve our credit amount and credit structure, disperse our credit risk and improve our profitability. The non-performing loan ratio of our bank will decrease by 2.25%, and the non-performing loan ratio will be 7.8 1%, laying a certain foundation for our future competition.

VI. Analysis of Loan Guarantor

The loan is guaranteed by Ningbo BB Group Co., Ltd., one of the 18 large enterprise groups cultivated by Ningbo BB Group in Ningbo, which is a five-star enterprise in Ningbo. The company has entered the top 500 private enterprises in China and the top 500 auto parts industry in the world. XX County Drive Axle Co., Ltd. is a subsidiary of Ningbo BB Group.

The total assets of Ningbo BB Group Co., Ltd. are more than one billion yuan, the legal representative of the company is Zhou Cimei, and the registered capital of the company is100 million yuan. There are 27 branches, the main products are automobiles, special equipment, auto parts, electronic products, aquatic food and large and medium-sized precision molds. Each enterprise under the Group passed the ISO9000 certification in August 1997, the QS9000 (USA) and VDA6. 1 (Germany) certification in August/999, and the CIMS project of the National 863 Plan in October/2000. In April 2003, it passed TS/ 16949 certification, and Ningbo BB Electronics Co., Ltd., a subsidiary of its group company, has been approved by China Securities Regulatory Commission and will be listed in 2004.

Ningbo BB Group is a basic customer of Xiangshan Sub-branch of Bank of China, and the credit rating of China Bank is AAA.

VII. Conclusion

It is agreed to grant the company a short-term working capital loan of 30 million yuan with a term of 1 year and an interest rate of 5.3 1%, and Ningbo BB Group Co., Ltd. will provide joint and several liability guarantee.