Pre-loan investigation is the first pass of loan issuance, and it is also an important procedure and link of credit management. The quality of pre-loan investigation is directly related to the correctness of loan decision. How to effectively carry out the pre-loan investigation of enterprises and standardize the writing of pre-loan investigation reports? According to the credit management rules and regulations, the main contents of the loan investigation report of rural credit cooperatives are: 1, basic information of customers and subject qualification; 2. The amount, purpose, term, type, interest rate, repayment method and restrictive terms of the loan application; 3, customer financial situation, operating efficiency and market analysis; 4. Guarantee and credit risk assessment; 5. Comprehensive benefit analysis of this credit business; 6. Loan investigation opinions. Focusing on the main contents of the loan investigation report, the main contents and writing points of the enterprise pre-loan investigation are as follows: 1. Basic information of the enterprise (1) General situation of the enterprise: mainly including the name of the enterprise, legal representative, nature of the enterprise (state-owned, collective, shareholding, private, etc.). ), legal address, total registered capital, main composition of shares, production and business scope, economic accounting form, establishment time, industry, number of employees and evolution process. (2) Operation: enterprise scale, major projects, annual output value, profits and taxes of the previous year, total assets and liabilities, production and sales of leading products, market share, position and development prospect in the same industry, etc. (3) Industry situation: industry cost structure, industry economic periodicity, industry profitability, national policies, etc. (4) Management: legality and validity of business license, enterprise code certificate, tax registration certificate and other related documents; Enterprise organization form, management system, legal representative and financial controller, financial system and operation of affiliated enterprises; Whether the operation between workshops and departments within the enterprise is smooth; Managers and employees' evaluation of enterprise leaders and their understanding of enterprise development planning; Whether the safety, environmental protection and employee insurance work is normal, etc. Third, the repayment ability of the enterprise This is the main content of the loan investigation report. The first is to analyze whether the enterprises applying for loans have a market for their products, whether their production and operation are profitable, whether they misappropriate credit funds, whether they have a history of maliciously defaulting on loans or payment from banks, other units and individuals, and whether they are trustworthy. Second, whether the business activities of the loan applicant are legal and meet the requirements of the national industrial policy and social development plan. Third, the enterprise's production technology level, product sales, product price changes (relative to the change range of raw materials), main sales units, payment settlement methods, and payment withdrawal. The details are as follows: (1) Analysis of production, supply and marketing. Investigate the production capacity, product quality and supply and marketing of the borrower. Investigate the implementation of the borrowing unit's material procurement, analyze and judge whether there is a source of raw materials, and investigate the market price changes of raw materials, main suppliers, purchase and sale methods, etc. (II) Financial and credit analysis According to the survey, at present, some enterprises generally have at least three sets of statements, and the statements submitted to banks, finance and taxation departments and internal shareholders are different. Therefore, we must carefully analyze the fixed capital, inventory, capital, bank deposits and loans and other short-term liabilities of enterprises in order to examine the true accuracy of enterprise cash flow statements and other accounting statements. Generally speaking, the higher the capital profit rate of an enterprise, the better. If it is higher than the bank interest rate in the same period, moderate debt is beneficial to investors. On the contrary, if the capital profit rate is lower than the bank interest rate in the same period, the excessive debt ratio will damage the profits of investors. In addition, the borrowing enterprise must open a deposit account in rural credit cooperatives, so that we can know the daily average deposit, payment, other business and the forecast of the future situation since the enterprise opened an account. When accounts receivable and accounts payable account for more than 15% (or a certain proportion) of total assets or total liabilities, we should pay attention to analyzing the aging distribution. (3) Analysis of repayment sources and repayment time; Analysis of the production cycle, expected profit level and cash flow of the loan project; Investigation and analysis of the source of funds for the borrower to repay the principal and interest; Determination of loan term, etc. Four, the loan guarantee is a mortgage loan, indicating the name, specific location, ownership, lease method, quantity and quality, evaluation value, value stability, liquidity and so on. ; For the loan in the form of guarantee, write down the basic information of the guarantor (the same as the borrower), assets and liabilities, analyze and evaluate the guarantee qualification, the guarantor's compensatory ability, the guarantor's source of funds, etc. Through the analysis of the borrower's basic situation, production, operation and benefit, combined with the mortgage guarantee, the loan risk is evaluated. Fifth, put forward the conclusion of the investigation. On the basis of analyzing the comprehensive benefit of the loan, the inspectors should make an overall evaluation of the "cash flow, finance, repayment and operation status" of the enterprise, and make clear the following matters in combination with the loan purpose, repayment source and plan, and the availability of self-raised funds for the loan project: 1, whether to lend or not; 2. Loan method; 3. The loan amount; 4. Term of loan; 5. Loan interest rate; 6. repayment methods, etc. An intransitive verb investigator must have more than two loan officers to participate in the pre-loan investigation of the enterprise. The investigation report shall be signed by two or more loan investigators, and the investigation time shall be clearly stated. The investigation report shall be submitted to the director of the credit union for review, and the director of the credit union shall sign the name and time after review.
How to write the enterprise loan application report?
For enterprise loan applications, banks have a fixed format, and most of them are printed. Because of the different forms of loan mortgage, banks are very particular about it and the content is perfect. If it's an application for intention required by the bank, I can make up one for you now:
loan application
XX bank:
Our company was established on XX. What kind of enterprise is it? It is mainly engaged in XXX (written according to the business scope of business license), with a registered capital of XX million yuan and an annual sales income of XX million yuan. Now, due to the expansion of reproduction and insufficient liquidity bonus, the company has decided to apply to your bank for a liquidity loan of XX million yuan with a term of one year, all of which will be used to purchase raw materials. At the expiration, our company will repay it in one lump sum with sales revenue.
Hereby apply
XX company
Date, year and month
Enterprise bank loan application report
Project loan application
XXX bank:
XXX Factory is going to build a project with an annual output of XXX, with a total investment of XXX million yuan and self-raised funds of XXX million yuan, and apply to your bank for a three-year long-term project loan of XXX million yuan; Short XXX 10 million.
XXX factory belongs to XXXX, with independent legal personality, legal representative XXX, and registered capital XXX million yuan. The company is located in XXX industrial zone, adjacent to Beijing-Shenzhen Expressway in the east and Shitai Expressway in the south, with convenient transportation and superior geographical position. 1, enterprise situation
XXX factory, founded in XXX, is a modern large-scale cement manufacturing enterprise, which belongs to the national building materials industry backbone enterprises and XX province backbone township enterprises. The company has an annual production line of XXX and XXXX. All indicators have reached the domestic advanced level. The existing total assets of the enterprise are XXX billion yuan (including fixed assets of XX billion yuan), total liabilities are XX billion yuan, and the asset-liability ratio is%. There are more than XX employees, including XX managers, XX professional technicians and XX experimental technicians.
The company has excellent hardware equipment, advanced production technology and strict software management measures. The system is sound, the management is perfect, the internal control index stricter than the national standard is formulated, the quality of cement products is stable, and it has passed the system certification of ISO900 1, ISO 1400 1, etc. The products have successively won honors such as "XXX", "Consumer Trustworthy Products", "XXX", "XX" and "National Inspection-free Products". The company has successively won the titles of "Consumer Trustworthy Unit", "XXX Integrity Unit in 2003" and "National Advanced Demonstration Enterprise of Quality and Integrity in Building Materials Industry". The main sales area of the enterprise is XXXXXXX, with total sales revenue of XXX billion yuan and profit of XXX billion yuan; From June 5438+0 to June 5438+0 1 in 2008, the sales income was RMB XXX billion and the net profit was RMB XXX billion. Enterprise products have been in short supply since 2007. 2. The necessity and significance of the project construction
(1), since 2007, the pace of industrial restructuring in XXX city has been accelerated, with the focus on eliminating backward production capacity XXX. By February 2009, XXX Factory X had been completely dismantled, which directly led to the unemployment of more than 300 workers. In order to ensure the social stability in this area and solve the problem of workers' re-employment, we have established the XXX project production line, which will provide them with work and life security to the maximum extent, and at the same time, we will
(2) China is in the period of rapid social and economic development of reform and opening up, which has promoted the rapid development of cement building materials industry in our city. However, with the continuous acceleration of the structural adjustment of cement industry in our city, XXX enterprises have entered a transitional period. It provides good conditions and opportunities for this project. The project is completed and put into production, which is in line with Item 13, Item 10 of the Guidance Catalogue for Industrial Structure Adjustment (2005 edition) issued by the National Development and Reform Commission. Article 26 "Environmental Protection and Economical Comprehensive Utilization", Article 18 "Comprehensive Utilization of Three Wastes" and Article 4 1 "Utilization of Tailings Industrial Wastes".
(3) Through the understanding of relevant national policies and our investigation and analysis, the project conforms to the national industrial policies, which can further optimize the industrial institutions of XX and promote the development of local economy. After the completion of the project, it will produce good social benefits in resettling the unemployed. Therefore, the project is completely reasonable and necessary. After the completion of this project, it will further promote and realize the industrial structure adjustment of the cement industry in the surrounding areas, and the construction of this project conforms to the national industrial structure policy.