Calculate the repayment source of enterprise loans by operating income or net profit.

The company's loan approval takes the customer's net profit as the first repayment source. There is a big difference between total income and net profit. For example, gross profit = sales-procurement, net profit = sales-procurement-operating expenses-management expenses, and a company's operating expenses+management expenses account for a large part of the company's expenditure, so net profit is the first element to support loans.