1. Whether the credit record of an enterprise as a legal person is illegal.
2. Cash flow, asset-liability ratio and financial status of the enterprise (operating income, operating cost, operating profit, corporate liabilities).
3. The profit point of the enterprise is the income statement.
What is the repayment ability?
One is to look at the balance sheet. Enterprises with low level of assets and liabilities, high proportion of self-owned funds and reasonable level of asset structure, liability structure and overall asset-liability structure have high repayment ability.
The second is to look at the cash flow statement. With sufficient cash flow, the repayment ability will be high. No matter how big the assets are, there must be normal, stable and sufficient cash flow to ensure the normal operation of the enterprise. Otherwise, no matter how large the scale is, if there is a cash flow problem and the normal current payment cannot be guaranteed, it will cause operational difficulties and even a payment crisis, not to mention repayment of bank loans, which may also lead to bankruptcy.
The third is the income statement. To repay bank loans, enterprises must first ensure that their production and business activities are normal and profitable. Only when there is profit can the principal and interest of the bank loan be repaid.
Fourth, the actual tax payment situation of the enterprise, judging the actual situation of the company through the invoice records, the invoiced amount can generally truly reflect the basic income of an enterprise, and the more invoiced amount means the more income.
Analysis of five industries-judging an enterprise's repayment ability depends on both its own micro-situation and the macro-environment of the industry. Because the development of the enterprise is closely related to the development of the industry, if the industry develops well, the potential risk of the enterprise is relatively low. On the contrary, if the overall market of the industry is not very good, even if all aspects of the current enterprise are relatively good, other emergencies may occur at any time.
Sixth, the water and electricity charges leased through the office space can also reflect the real operating conditions of the enterprise.