model essay
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Investigation Report on XX Company's Application for Loan
I. Overview of the Borrower
1. Basic information
XX drive axle co., ltd is located in anren road, XX county. 1957 was established in may, and 1979 was officially changed to drive axle production. It was 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, Jiangxi XX Drive Axle Co., Ltd. was merged by Ningbo BB Group, with BB Group holding 70% of the shares and original factory management holding 30%.
The new company takes the net assets as the transferee price to acquire the whole assets of the drive axle factory in accordance with the way of debt commitment. After the establishment of the new company, the registered capital is100000 yuan, all of which is contributed in cash, of which: Ningbo BB Group Co., Ltd. shall contribute 7 million yuan (the actual contribution is 9130000 yuan, of which 2130000 yuan is the contribution lent by Jiangxi XX Drive Axle Co., Ltd. (to be established) to other shareholders. ), accounting for 70% of the registered capital; The contribution payable is RMB 6,543.8+0.8 million (actually RMB 6,543.8+0.8 million), accounting for 654.38+0% of the registered capital; Zhang Fengyi should contribute 550,000 yuan (actually contributed 654.38 million yuan), accounting for 5.5% of the registered capital; Xi Laru shall contribute 400,000 yuan (actually contributed 60,000 yuan), accounting for 4% of the registered capital; Liu Jianmin should contribute RMB 6,543,800+0.5 million (actually contributed RMB 50,000), accounting for 654.38+0.5% of the registered capital; Yan Gaoya should contribute 900,000 yuan (actually 480,000 yuan), accounting for 9% of the registered capital; All the funds are in place. The legal representative is Zhou Cimei, with 683 employees; Among them, there are 58 engineers and technicians. The factory covers an area of 654.38+10,000 square meters, with a production building area of 27,000 square meters.
2. Production situation of enterprises
Jiangxi XX Drive Axle Co., Ltd. is a professional manufacturer of construction machinery drive axles in the Ministry of Machinery. The leading product of the enterprise "Mercedes-Benz" brand drive axle is mainly used in the fields of loaders, road rollers, graders, forklifts and other construction machinery. , the product is cost-effective. At present, it has more than 90 kinds of deformation products in 7 series, with an annual output of 7,000 sets of various types of construction machinery drive axles, among which ZL20, ZL 15 and ZL30B drive axles are excellent products respectively. The company's products are mainly divided into two parts. One is the loader drive axle, and the product models are ZL 15, ZL30, ZL40 and ZL50, accounting 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, accounting for about 50% of the national sales market.
3. The quality of managers
There are 7 company leaders, including general manager 1, 3 deputy general managers, assistant manager 1, trade union chairman 1, board of supervisors 1, BB Group expatriate managers 1 and 4 senior titles. Team politics is firm, United and highly enterprising. The comrade has a good character, is honest and upright, bears hardships and stands hard work, and has certain personal charm.
Two. Production, operation and economic benefits of the Borrower:
With the country's efforts in infrastructure construction, from 200 1 to now, the company has continuously carried out technical transformation to improve productivity, but the products are still in short supply. In 2000, the sales revenue was 39 million yuan, 200 1 year was 47 million yuan, 2002 was 72 million yuan, and 2003 was 65,438 yuan. In 2000, the total profit of the company was 24,000 yuan, 25,000 yuan in 20001year, 250,000 yuan in 2002 and 2.42 million yuan in 2003. The company's net profit grew slowly in the first three years, mainly because the company wrote off many historical bad debts.
The production of general enterprises is mass production. At the beginning of each year, construction machinery and vehicle manufacturers will sign annual demand orders for drive axles. The company's general sales season is 2-3 quarters, but in recent years, due to the shortage of products, the seasonal response in sales is not strong.
The company's sales model is to sell directly to construction machinery and vehicle manufacturers, without going through the seller, and the business cycle is generally about 2 months. The main suppliers are: Sanjiu Gong Yi 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, Southern Water Conservancy Construction Machinery Factory, Chaoyang Construction Machinery Co., Ltd., Yantai Construction Machinery Factory, Tianjin Municipal Construction Machinery Factory, Shanghai Urban Construction Machinery Factory, Sanming Heavy Machinery Factory, Luoyang Construction Machinery Factory, etc. We have established stable business cooperation relations with large construction machinery enterprises such as Shanghai, Zhejiang, Shandong, Fujian and Hunan. The development of enterprises shows a strong growth trend; With the further investment in infrastructure construction and the implementation of the western development strategy, the market space of construction machinery drive axle is huge.
Three. The financial situation of the borrower
1. List of main financial indicators of the company in recent three years.
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According to the above analysis:
(1) Loan situation: short-term loan is 24 million yuan (county ICBC is 2365438+ 10,000 yuan, which is not involved by other banks).
(2) The company's operation and management are normal, and 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 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 company's profitability 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 production orders for driving axles, with an estimated sales income of10.5 million yuan and a profit of10.0 million yuan, including tax of 6 million yuan and after-tax profit of 4 million yuan.
Four. The 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 account did not involve ICBC and other financial institutions, of which ICBC borrowed 24 million yuan, with good credit standing and never overdue. The credit rating of China Industrial and Commercial Bank is AA.
Our bank has a long-term discount business with this company, and the two sides have a happy cooperation. In 2003, due to the government's efforts to attract investment, our bank paid close attention to the merger of the company. After being successfully acquired by Ningbo BB Group, our bank made a marketing plan in time. With the strong support of the superior bank, our company is willing to have a credit relationship with our bank and become our basic customer through the multi-party marketing of the management personnel of the group company and the local company and our good service.
Analysis on the necessity and feasibility of verb (verb's abbreviation) loan
If the loan is granted successfully, it will not only make the enterprise a basic customer of our bank, but also increase the corporate deposit by about 4 million yuan, with an average daily balance of more than 2 million yuan. At the same time, it brings us nearly 1 00000 yuan of settlement business every year, resulting in direct economic benefits100000 yuan. In addition, because the company is located in our county, we can also obtain the company's wage agency, pay nearly 6 million yuan every year, and 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 risks and improve our profitability. The non-performing loan ratio of the Bank will decrease by 2.25%, and the non-performing loan ratio will be 7.8 1%, laying a certain foundation for the future competition of the Bank.
An analysis of intransitive verb 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. It is a five-star enterprise in Ningbo. The company has entered the top 500 private enterprises in China and the top 500 auto parts industries in the world. XX county drive axle co., ltd is a subsidiary of Ningbo BB group.
Ningbo BB Group Co., Ltd. has total assets of more than one billion yuan, the legal representative of the company is Zhou Cimei, and the registered capital of the company is1000000 yuan. At present, there are 27 branches, the main products are automobiles, special equipment, auto parts, electronic products, aquatic food and large and medium-sized precision molds. All enterprises under the Group passed the 1997 ISO9000 certification in August 2003, the199QS9000 (USA) and VDA6. 1 (Germany) certification in June, and passed the acceptance appraisal of CIMS project of the National 863 Plan in 20031October.
Ningbo BB Group is the basic customer of China Bank Xiangshan Sub-branch, and the credit rating of China Bank is AAA.
Seven. conclusion
It is agreed to grant the company a short-term working capital loan of 30 million yuan with a term of × years and an interest rate of 5.3 1%, and Ningbo BB Group Co., Ltd. will provide joint and several liability guarantee.