1, preferably an audit report. Otherwise, the bank will not attach importance to your statements.
2. Pay attention to several indicators: asset-liability ratio, net assets (long-term solvency), current ratio, quick ratio (short-term solvency), operating income (an important indicator to judge the scale of an enterprise), inventory turnover, accounts receivable turnover (enterprise management ability) and cash flow (a very important indicator).
What are the requirements of bank loan business for various indicators of financial statements?
1. All banks have basically the same requirements for loan statements.
2. Every bank has a scoring system for statements, and they will pay attention to the following indicators. Banks pay attention to the following indicators: gross profit is not less than 65,438+00%, profit rate is not less than 5%, standard value of current ratio is 2: 65,438+0, standard value of quick ratio is 65,438+0, and standard value of asset-liability ratio.
3. The above financial data are up to standard, and the scoring system will definitely pass! ! What's left is some hardware.
What should I pay attention to in the bank loan statement?
This indicator is a hard condition for lending to banks. Generally speaking, the asset-liability ratio must be lower than 70%, preferably lower than 50%. Different banks have different requirements for different enterprises. If the relationship is good, the general bank will tell you in advance that the asset-liability ratio = total liabilities/total assets 100%. Second, prepare a cash flow statement. Generally, bank loans should provide cash flow statements. When preparing the cash flow statement, you must ensure that the net cash flow generated by the business activities of the enterprise is positive, the cash withdrawal of its sales income is best controlled at 85%-95%, and the net cash flow of other investment activities and financing activities can be negative. Third, control the profit index. Banks generally attach great importance to this indicator. Generally speaking, the growth rate of main business income is not less than 8%, indicating that the main business of the enterprise is in the growth stage. If the ratio is less than 5%, it means that the product will enter the end of its life. Growth rate of main business income = (current main business income-previous main business income)/previous main business income 100%. Operating profit margin should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability of enterprises, and different industries have different requirements for this index. For example, the index of commodity circulation enterprises will not be too large, but a little lower will not be affected in practical work. Operating profit margin = operating profit/operating income (commodity sales) × 100%. The return on net assets of SMEs should be greater than 5%. Generally speaking, the higher the index value, the higher the return from investment and the higher the income level of shareholders. Return on net assets = net profit/owner's equity = return on net assets × equity multiplier = net operating profit rate × total assets turnover rate × equity multiplier. Net operating profit margin = net profit ÷ operating income; Total assets turnover rate (times) = operating income ÷ average total assets; Equity multiplier = total assets ÷ total owner's equity = 1÷( 1- asset-liability ratio). Fourth, ensure the stability of the indicators in each period, and remember not to show the level of the above indicators in the statements provided to the bank, otherwise the bank will let the enterprise write explanations, and at the same time the bank will think that our enterprise is risky, and even if the money is lent to us, the interest may be higher. Besides, if the indicators are getting better and better, it will also put great pressure on finance. Now he will ask you to provide a lot of evidence, such as the original VAT invoice and the original contract (many banks don't want copies, and software like phtoshop is too popular). In particular, the gross profit margin must be controlled, and the profit can be more and more, and the income can be more and more. However, the gross profit margin will generally not change greatly, because this indicator is not only affected by the production technology of enterprises, but also by the degree of competition of the whole industry. Pay attention to the connection between statements. When compiling the balance sheet, income statement and cash flow statement, we must pay attention to the relationship between the statements, such as the relationship between net profit in the income statement and undistributed profit and surplus reserve in the balance sheet, and the relationship between cash flow generated from operating activities, financing activities and investment activities in the cash flow statement and related items in the balance sheet. The intransitive verb pays attention to the relationship between the current report and the previous report. Some enterprises have different statements provided by different banks, even the statements of the same period are different. It is easy to see that the number of statements provided at the beginning of the current period or the number of statements provided in the previous period are inconsistent and contradictory. It will be passive to explain them at that time, so everyone must be cautious.
How to make financial statements for bank loans?
It is generally beneficial for enterprises to master the following 12 financial indicators when preparing bank loan statements. Ratio of net assets to annual outstanding loan balance. Must be greater than 100% (real estate enterprises can be greater than 80%). , asset-liability ratio. It must be less than 70%, preferably less than 55%. , flow ratio. Generally speaking, the larger the index, the stronger the short-term solvency of enterprises. Usually the index is 150%~200%. , quick ratio. In general, the greater the index, the stronger the short-term solvency of enterprises. Usually the index is around 100%, and SMEs should be above 80%. , guarantee the proportion. Enterprises should minimize the risk of loss. Generally speaking, the ratio is less than 0.5. The net cash flow generated by the business activities of the enterprise should be positive, and the cash withdrawal rate of its sales income should be above 85~95%. In business activities, enterprises pay for purchased goods, and the cash payment rate of labor services should be above 85~95%. Growth rate of main business income. Generally speaking, if the annual growth rate of main business income is not less than 8%, it means that the main business of the enterprise is in the growth stage. If the ratio is less than -5%, it means that the product will enter the end of its life. , the turnover rate of accounts receivable. The average enterprise should be more than six times. Generally speaking, the higher the turnover rate of enterprise accounts receivable, the shorter the average collection period of enterprise accounts receivable, and the faster the speed of fund withdrawal. 0, deposit and loan turnover rate, the average small and medium-sized enterprises should be more than five times. The faster the inventory turnover rate, the lower the inventory occupancy level and the stronger the liquidity. 1 1, operating profit rate, which indicates the profit level of annual operating income and reflects the comprehensive profitability of the enterprise. Generally speaking, the index should be greater than 8%. Of course, the greater the index value, the stronger the comprehensive profitability of the enterprise. 2. The return on net assets should be greater than 5% for SMEs at present. Generally speaking, the higher the index value, the higher the return from investment and the higher the income level of shareholders.
That's enough for the introduction of matters needing attention in the loan statement.