If it's conservative, it's set at 60%
Question 2: How appropriate is the asset-liability ratio? This result is correct. Asset-liability ratio is an evaluation of an enterprise's ability to repay funds. The specific asset-liability ratio should be determined according to the industry level, generally below 45%, and special industries, such as real estate, may exceed this level. The asset-liability ratio of 30% for small companies selling tools should be appropriate.
Question 3: How appropriate is the asset-liability ratio of general enterprises? There are no specific financial parameters. If it is greater than 100%, it means that the enterprise is insolvent and the creditor's principal may not be recovered. This index is very low, which shows that the ability of enterprises to provide funds for business activities is poor, so the debt management of enterprises is moderate, and it is best to control it at around 60-70%.
Question 4: What is the asset-liability ratio? The online asset-liability ratio of Dongao Accounting = total liabilities/total assets, in which total liabilities represent all liabilities of the enterprise, including not only long-term liabilities, but also current liabilities.
Asset-liability ratio is an important symbol to measure the debt level and risk degree of enterprises.
The lower the asset-liability ratio, the less assets obtained by debt, and the worse the ability of enterprises to use external funds; The higher the assets and liabilities, the more assets the enterprise raises through borrowing, and the greater the risk. Therefore, it is better to keep the asset-liability ratio at a certain level.
It is generally believed that the appropriate level of asset-liability ratio is 40%~60%. However, enterprises in different industries and regions deal with debts differently.
Question 5: What is the asset-liability ratio? How to calculate the asset-liability ratio? What is the appropriate asset-liability ratio? Debt-to-assets ratio refers to the ratio of total liabilities to total assets at the end of the year. It indicates how much of the company's total assets are raised through debt, which is a comprehensive index to evaluate the company's debt level. At the same time, it is also an index to measure the company's ability to use creditors' funds for business activities, and also reflects the security of creditors' loans. If the asset-liability ratio reaches 100% or exceeds 100%, it means that the company has no net assets or is insolvent! Asset-liability ratio calculation formula Asset-liability ratio calculation formula: Asset-liability ratio = total liabilities/total assets × 100% 1. Total liabilities: refers to the sum of various liabilities undertaken by the company, including current liabilities and long-term liabilities. 2. Total assets: refers to the sum of all assets owned by the company, including current assets and long-term assets. The lower the ratio, the better. Because the owners (shareholders) of the company generally only bear limited liability, once the company goes bankrupt and liquidates, the realized income of the assets is likely to be lower than its book value. So if this index is too high, creditors may suffer losses. When the asset-liability ratio is greater than 100%, it means that the company is insolvent, which is very risky for creditors. How to judge whether the asset-liability ratio is reasonable depends first on whose position you stand. Asset-liability ratio reflects the ratio of debt provided by creditors to total capital, also called debt operating ratio. From the standpoint of creditors, whether the asset-liability ratio is reasonable or not, they are most concerned about the safety of the money lent to enterprises, that is, whether the principal and interest can be recovered on schedule. If the capital provided by shareholders only accounts for a small proportion of the total capital of the enterprise, the risks of the enterprise will be mainly borne by creditors, which is unfavorable to creditors. So they hope that the lower the debt ratio, the better. If the enterprise can repay the debt, there will be no great risk in lending to the enterprise. Whether the asset-liability ratio is reasonable from the shareholders' point of view Because the funds raised by enterprises through debt play the same role as the funds provided by shareholders, shareholders are concerned about whether the profit rate of all capital exceeds the interest rate of borrowed funds, that is, the cost of borrowed capital. When the total profit rate of capital earned by an enterprise exceeds the interest rate paid for borrowing, the profits earned by shareholders will increase. On the contrary, if the profit rate of all capital used is lower than the interest rate borrowed, it will be unfavorable to shareholders, because the excess interest of borrowed capital will be made up by the profit share obtained by shareholders. Therefore, from the standpoint of shareholders, when the total capital profit rate is higher than the loan interest rate, the greater the debt ratio, the better, and vice versa. Shareholders of enterprises often use debt management to gain control of enterprises with limited capital and limited cost, and can obtain leverage benefits from debt management. So it is called financial leverage in financial analysis. Is the asset-liability ratio reasonable from the operator's point of view? If the debt is large and beyond the psychological endurance of creditors, enterprises will not be able to borrow money. If the enterprise does not borrow money, or the debt ratio is very small, it shows that the enterprise is timid, has insufficient confidence in the future, and has poor ability to use debt capital for business activities. From the perspective of financial management, enterprises should assess the situation and consider comprehensively. When making a decision on borrowing capital by using the asset-liability ratio, we must fully estimate the expected profit and increased risk, weigh the gains and losses between them, and make a correct decision. Brief introduction of balance sheet Balance sheet, also called statement of financial position, is the main accounting statement (i.e. the status of assets, liabilities and profits) that shows the financial position of an enterprise on a certain date (usually at the end of each accounting period). Based on the principle of accounting balance, the balance sheet divides the transactions of assets, liabilities and shareholders' equity that conform to accounting principles into two parts: assets and liabilities and shareholders' equity. After accounting procedures such as entry, transfer, suspense, trial calculation and adjustment, it is condensed into a report based on the static enterprise situation on a specific date. In addition to internal debugging, business direction and fraud prevention, its report function can also let all readers know the business situation of the enterprise in the shortest time. Learn more stock knowledge and master more stock trading skills. For example, what is price-to-book ratio, what is rare earth, what is the meaning of P/E ratio, whether P/E ratio is high or low, basic knowledge of K-line chart, classic diagram of K-line chart, detailed explanation of macd indicator, detailed explanation of blue chips and second-line blue chips, detailed explanation of kdj indicator and high or low turnover rate are all topics of Asian financial knowledge.
Question 6: What is the normal asset-liability ratio of a company? It is generally believed that the appropriate level of the company's asset-liability ratio is 40%~60%, but there are differences in different countries or regions. The asset-liability ratio of Britain and the United States rarely exceeds 50%, while that of Asian and European companies is significantly higher than 50%, and some successful companies even reach 70%.
Asset-liability ratio is the percentage of total liabilities divided by total assets at the end of the period, that is, the proportional relationship between total liabilities and total assets. The asset-liability ratio reflects how much of the total assets are financed by borrowing, and can also measure the extent to which enterprises protect the interests of creditors in the liquidation process. Asset-liability ratio reflects the proportion of capital provided by creditors to total capital, also called debt operating ratio. Asset-liability ratio = total liabilities/total assets.
Asset-liability ratio indicates how much of a company's total assets are raised through liabilities, which is a comprehensive index to evaluate the company's debt level. At the same time, it is also an index to measure the company's ability to use creditors' funds for business activities, and also reflects the security of creditors' payment of ingots.
Question 7: How appropriate is the asset-liability ratio of the catering industry? It is reasonable to keep the asset-liability ratio at 50%, and it can be 70-80% for SMEs.
Question 8: What is the best asset-liability ratio? It's hard to say that all walks of life are different, and the ability of enterprises to control risks is different. Generally speaking, 60-70% of enterprises with good operation team and state-owned assets background have a high asset-liability ratio, which is very common. Generally, small enterprises are controlled at around 30%!
Question 9: What is the bank's asset-liability ratio? Banking is a special industry. Generally speaking, according to the Basel Accord, the core adequacy ratio of venture capital of commercial banks is 8%, that is to say, the asset-liability ratio of banks below 92% is a normal level.
At present, the asset-liability ratio of individual commercial banks in China is as high as over 96%;
The main source of funds for banks is all kinds of savings, that is to say, most of the bank's money is someone else's money, just in the bank. Banks have no ownership, only limited right to use. Part of the income is returned to depositors in the form of interest, and part of it becomes bank income in the form of deposit-loan difference;
Because most of the bank's money is not its own, it is the bank's debt, and the amount of savings is large, so the debt ratio is high. The higher the asset-liability ratio of the banking industry, the stronger its ability to absorb and store energy, and the more loans it can issue, the higher its profits.
Of course, excessive debt can sometimes become a risk. Once the loan is difficult to recover for some reason, the bank's debt is too high to turn around, which will inevitably lead to the possibility of bank bankruptcy. Therefore, the bank's liabilities must be kept within a suitable range, and the capital adequacy ratio should generally be above 5%.