A, enterprise post-loan investigation report
Enterprise post-loan investigation report template
Enterprise loans are very common, so in the enterprise to carry out the investigation of the situation of the post-loan should be how to write the relevant investigation report? The following and I will take a look at it.
Enterprise loan investigation report template a 1, the basic situation:
Enterprise name, address, nature of the enterprise, registered capital, corporate license, legal representative's name, gender, age, title, education, professional years of experience, the degree of good faith, the name of the leading members of the leadership, the number of technicians and employees, the production of the product, registered trademarks.
2, financial status:
(1) assets and liabilities: fixed assets are divided into office management fixed assets, fixed assets used in the production side, such as plant, equipment; current assets are divided into raw materials, finished goods, accounts receivable, cash (including working capital) written item by item; intangible assets, including land, trademarks, etc.; Deferred assets, unrealizable amortized expenses, rent, Renovation costs. Liabilities, including bank borrowings, private financing, accounts payable itemized, bank borrowings, write down the company's bank, the amount of loans, loan forms, interest arrears. Owners' equity, assets and liabilities ratio.
(2) production and operation status, production scale, including the design scale and actual scale, output value, product production and sales cycle, product sales situation and market prospects for adaptation. Cost calculations were calculated average cost of production and comprehensive average cost, average sales price, product profits, realized tax profits and net profits.
3, the feasibility of enterprise loan analysis:
(1) assets and liabilities analysis;
(2) production cycle and liquidity analysis;
(3) cash flow analysis;
(4) production and sales analysis;
These items should be analyzed using comparisons, trends, and indicators of the way to analyze a comprehensive assessment of the Analyze the risk or not of the loan, the guarantee and source of repayment, and present the findings of indebtedness, loan or not, and the amount of prospective loan.
4, creditworthiness: to write down whether the loan households have bad credit records, print corporate credit reports.
5, the purpose of the loan: to write down the real purpose of the loan household to apply for a loan, and measure whether the demand for its loan amount is realistic.
7, loan mode: belong to the guarantee mode of loan, write the basic situation of the guarantor and assets and liabilities of the state, analyze and assess the qualification of the guarantee, belong to the mortgage, to write the name of the collateral, the specific location of the storage, the number of (property write the structure of the location of the seat, number of rooms, number of floors, the square footage of write the occupation of the land and the floor area, attached to the simple floor plan) the valuation of the repayment of the source, and so on.
Enterprise loan investigation report template II I. Borrower's basic situation
1, the borrower's qualifications: the enterprise was founded in 1983, in April 2004 on the former XX Cement Plant for the shareholding restructuring, restructuring of the enterprise name of XX Ltd. registered . Enterprise Legal Person Business License" No. 6103231002563, the registered capital of 74.453 million yuan, the business period from April 7, 2004 to April 6, 2014, the business scope of 32.5, 32.5R, 42.5, 42.5R cement production and sales, the production of compound film woven bags, cement stone mining and distribution, etc.; "Organization Code Certificate" Registration No. : group escrow 610323-000553, valid from April 8, 2004 to April 8, 2008; "Loan Card" No. 610303000003368601; the above three certificates are true and valid and have been scheduled annual inspection, after reviewing the customer has the qualifications for credit business, the company's loan investigation report.
2, the borrower's basic situation: XX Co., Ltd. for the XX County XX Enterprises Group Corporation under the enterprise, the enterprise residence is located in XX County XX Industrial Park, the main products for the XX brand PuSi 32.5 #, 42.5 # cement. There are 2,565 employees, including 435 management and intermediate technicians. The company has a board of directors and a supervisory board elected by the shareholders, and has eight functional departments, including office, production section, supply section, sales section, finance section, quality and technology section, safety section and security section. Now it has one 200,000-ton production line, three 300,000-ton dry rotary kiln production lines and one million-ton dry rotary kiln production line under expansion, two limestone quarries with an annual output of 1.5 million tons of high-quality limestone, one production line with an annual output of 25 million qualified woven sacks, and one machinery manufacturing section for processing cement ancillary equipment, with an annual production capacity of up to 3 million tons of finished cement. It has set up 8 sales offices and has a sales team of more than 160 people, forming a strong sales network. Now the enterprise has become a cement production base integrating minerals, cement production and sales, cement equipment repair and cement woven bag production. Its products have passed ISO9002 quality system international certification, its products sell well in Xi'an, Baoji, Tianshui and other places, ranked among the top three in the same industry in the province, in 2004 won the National Inspection-free products and won the title of Shaanxi Famous-brand Products, in the same year by the Provincial State and Local Taxation Bureau as A-class taxpayers.
4, the borrower's credit and credit situation: the enterprise is now our bank XX station branch to open a basic settlement account, is one of the earlier enterprises to establish a credit relationship with the bank, for many years in a row by the Agricultural Bank of Bank of China rated AAA grade credit enterprise, 2006 credit rating for the AA level, the report of the credit rating assessment for the AAA level, the payment rate of return to the bank of more than 90%, the bank and the enterprise have a cordial cooperative relationship. In 2006, the total approved credit amounted to 54.37 million yuan, and the total existing loans of our bank amounted to 54.37 million yuan, of which: 15.67 million yuan of short-term loans, 38.7 million yuan of medium-term loans, and the loan pattern of Grade 4 and Grade 5 classification are normal loans. There is no record of non-performing and interest arrears, and the bank and enterprise have a cordial cooperation relationship.
Two, enterprise operation and financial analysis
Enterprise created 23 years ago, experienced eight large-scale technological transformation, has become an annual output of 1.6 million tons of large-scale cement production enterprises, the economic strength of the rapid development of the business management system and quality assurance system is very sound and standardized, and cultivated a number of high-quality business management personnel and production, supply and sales marketing team, business management and technical strength. The company has cultivated a group of high-quality management personnel and production, supply, sales and marketing team, with strong management and technical force, and its products are favored by users. This year, after the cement sales price is raised, the enterprise presents a good development momentum of production and sales, product demand exceeds supply.
1, analysis of the operating situation
In the past three years, the status of business indicators Unit: million yuan, %
Annual sales revenue total profit net profit
2003 18269.51561.21045
2004 29009.92164.02164
2005 3143232653265
June 2006 1584025082508
Analyzed from the above data, 2003-2005 business operations developed rapidly, the total amount of sales and profits rose substantially, mainly with the production process technology, product output and other enhancements to expand, coupled with, strict control and Reduce product production costs, profitability level increased year by year. 2005, the end of December, total assets of 344.73 million yuan, of which: 24.15 million yuan of current assets, fixed assets of 320.58 million yuan; total liabilities of 159.46 million yuan, of which: 45.9 million yuan of current liabilities, long-term liabilities of 113.56 million yuan; owner's equity of 185.28 million yuan, of which: paid-in capital 68.47 million yuan; gearing ratio of assets and liabilities of 159.46 million yuan. million; asset-liability ratio of 46.3%, current ratio of 52.6%, 2005 annual sales revenue of 314.32 million yuan, total profit of 32.65 million yuan, sales margin of 16%.
As of the end of June 2006, total assets amounted to 400.49 million yuan, an increase of 55.76 million yuan over the beginning of the year. Among them: current assets 77.37 million yuan, an increase of 20.84 million yuan over the beginning of the year; money funds 36.89 million yuan, an increase of 4.34 million yuan over the beginning of the year; accounts receivable 20,000,000 yuan with the beginning of the year, mainly corporate products never on credit, to do this for such a large enterprise is rare; prepayments 25.2 million yuan, an increase of 11.5 million yuan over the beginning of the year, mainly new production lines part of the Payment for equipment; Inventory 13.15 million yuan, an increase of 3 million yuan over the beginning of the year, mainly finished goods and reserves of raw materials occupation, occupancy structure is more reasonable; Fixed assets 323.13 million yuan, a net increase of 34.93 million yuan over the beginning of the year, mainly equipment and the increase in construction work in progress, of which 9.32 million yuan of construction work in progress; Enterprises now have a total of 19,013,000 yuan of total liabilities, of which, current liabilities of 61,102,000 yuan, the Mainly short-term loans of 23.67 million yuan, accounts payable 2.99 million yuan, a decrease of 3.38 million yuan from the beginning of the year; payable wages of 13.82 million yuan, an increase of 3.81 million yuan from the beginning of the year; payable welfare costs of 7.04 million yuan, an increase of 4.47 million yuan from the beginning of the year; other outstanding payments and accruals increased by 9.42 million yuan from the beginning of the year; long-term liabilities of 129.11 million yuan, an increase of 15.55 million yuan from the beginning of the year, mainly due to internal expansion and capital formation, long-term borrowings of 60.7 million yuan, unchanged from the beginning of the year. The enterprise's current total borrowings of 143.3 million yuan (now our bank's total borrowings of 54.37 million yuan, credit union loans of 30 million yuan, internal pooling of 58.93 million yuan), of which 23.67 million yuan of short-term borrowings from financial institutions, long-term borrowings of 60.7 million yuan; owner's equity of 210.36 million yuan, of which paid-in capital of 115.94 million yuan, surplus surplus of 69.34 million yuan, undistributed profit of 25.08 million yuan. From the above analysis, it can be seen that the enterprise's capital structure is reasonable, sufficient accumulation, strong comprehensive strength, market risk-resistant ability is strong.
Second, how to write a report on enterprise loan tracking and investigation
The China Banking Regulatory Commission (CBRC) Statistics Department's Thematic Analysis Group recently released a report titled "Analysis of the Current Credit Risk Situation in the Banking Sector and the Reasons for It". The report pointed out that, after the macro-control, to attach great importance to the signs of non-performing loans rebound, is expected this year, the balance of non-performing loans will add more than 30 billion yuan. (What is the reason for the continuous decline of the market?) The report pointed out that credit risk is still the main risk of the current banking industry. 2005 first half of non-performing loans to achieve a "double-dip", mainly due to the implementation of the Industrial and Commercial Bank of China's shareholding reform and financial restructuring, such as the removal of industrial and commercial Bank of China divestment factors, banking financial institutions, non-performing loans in fact showed signs of rebound.
The report analyzes that the positive effects of macro-controls are generally gradual in the medium and long term, but often have to pay some costs in the short term, from the current situation, when part of the industry overheating state eliminated, the production enterprises and exposed some of the problems of concern, such as the existence of the operation of the sloppy, weak management, the production and sales growth rate dropped back, the ability of enterprises to adjust the product and service deterioration, the enterprises to digest cost Insufficient capacity, profit margins are obviously compressed and other problems. Although the above problems are the inevitable reflection of the macro-control, but in a certain period of time will varying degrees in the quality of bank credit will be ultimately reflected, to attract great attention. (Individual stock comprehensive tracking dark horse will take off from here?)
The report said that the balance of non-performing bank loans increased by more than 40 billion yuan in 2004 after China succeeded in controlling hotspot industries such as steel, cement and electrolytic aluminum and cleaning up fixed-asset investment projects. This year, the country has made the necessary adjustments to real estate investment and export structure, and the efficiency of some enterprises has declined significantly, and it is expected that the non-performing loans will add more than 30 billion yuan again. Therefore, a variety of measures should be taken to prevent and defuse risks in the banking sector.
The report also reminds that the situation of ICBC after the stock reform is still not optimistic. According to the CBRC's research on some branches of ICBC, this ICBC stock reform, after the implementation of policy divestment of non-performing loans, the non-performing loan ratio is still high; at the same time, the actual amount of doubtful loans is still very large. The existence of these non-performing loans and risks will form a great operational pressure on state-owned banks after the share reform and may have a negative impact.
Third, what are the main methods of pre-credit investigation?
Pre-credit investigation methods include:
①On-site research;
②Off-site investigation: search surveys, commissioned surveys and by contacting the customer's affiliates, competitors or individuals to obtain valuable information, but also through the industry associations (chambers of commerce), the government's functional management (such as industrial and commercial bureaus, tax authorities, the public security department and other organizations) to understand the true situation of the customer and other
Four, how to write a business loan pre-credit investigation report
Pre-credit investigation is the first pass of loan issuance, but also an important procedure and link of credit management, pre-credit investigation of the quality of the quality of the loan is directly related to the loan decision-making business pre-credit investigation, standardize the writing of pre-credit investigation report? According to the credit management rules and regulations, the main contents of the rural credit union loan investigation report are: 1, the basic situation of the customer and the main qualification; 2, the amount of loan application, purpose, duration, type, interest rate, repayment and restrictive clauses; 3, the customer's financial status, business efficiency and security situation and credit risk evaluation; benefit analysis; 6, the main contents of the loan investigation report, enterprise: a. Basic situation of the enterprise (a) the enterprise Overview: mainly including enterprise quality (state-owned, collective, shares, private, etc.), legal address, the total amount of registered capital, the main composition of the shares, the scope of production and operation, the form of economic accounting, the establishment of the time, the industry to which belongs to the number of employees, the evolution of the process, the name of the old enterprise, the total price of the acquisition (auction, purchase, transfer) (which contributed the amount of cash), the transfer of debt to explain the relevant information about the affiliated enterprises. (ii) the annual output value, the previous year's profits and taxes, product production and sales, market share, in the same industry in the ground (iii) industry situation: industry cost structure, the industry's economic cycle, industry profitability, national policies, etc.. (D) management of the legal validity of the registration certificate and other relevant documents; the form of business organization, management system, legal representatives and financial officers, financial system and the operation of affiliated enterprises; the internal operation of the enterprise between the workshops and departments is smooth; management personnel, employees of the enterprise leadership evaluation, the degree of understanding of the enterprise development plan; security, environmental protection, employee insurance work is normal. Third, the enterprise repayment ability which is the main content of the loan investigation report. First, analyze whether the enterprise applying for a loan has a market for products, production and operation efficiency, no misappropriation of credit funds, no malicious delinquency credit unions and other banks, other units and individuals borrowing or payment history, scrupulous adherence to credit and so on. Secondly, whether the business activities engaged in by the borrower applicant are in compliance with the law and in line with national industrial policy and social development planning requirements. Third, the level of enterprise production technology, product sales, product price changes (and raw material changes than), the main sales units, payment settlement methods, payment back. Specific content is: (a) production, supply and sales situation analysis of the borrowing unit's production capacity, product quality and supply and sales situation for investigation. Investigation of the implementation of the borrowing unit materials procurement, analyze and determine whether the source of raw materials, investigation of changes in market prices of raw materials, the main supply units, purchase and sale of goods. (ii) financial and credit analysis according to the investigation, at present, certain enterprises generally have at least three sets of statements, to the bank, the financial and tax departments and internal shareholders are not the same statement. Therefore, we must carefully analyze the enterprise's fixed capital, inventory, capital stock, bank deposits and loans and other short-term liabilities and other major items to examine the true accuracy of the enterprise's cash flow statement, other accounting statements. The main assessment of the following three comprehensive indicators: in general, the higher the profit margin of the enterprise's capital, the better; if it is higher than the bank interest rate for the same period of time, the moderate indebtedness is favorable to investors; on the contrary, if the profit margin of the capital is lower than the bank interest rate for the same period of time, the excessive indebtedness will harm the investors' profits. In addition, the borrowing enterprise must open a deposit account with the Rural Credit Union so that we can understand the average daily deposits since the opening of the account of the enterprise, the return of payment for goods and other business and the forecast of the situation in the coming period. When the proportion of accounts receivable and payable is greater than 15% (or a certain percentage) of total assets or total liabilities, attention should be paid to analyzing the age distribution. (iii) Analysis of loan repayment sources and repayment time analysis of the production cycle of the loan project, the projected level of profits, cash flow, investigation and analysis of the source of funds for debt repayment and interest payment of the borrowing unit, and determination of the term of the borrowing. Fourth, the borrowing security method of loans belonging to the mortgage security, write the name of the collateral, where the specific location, ownership, leasing, quantity and quality of the situation, the assessment of the value, the value of the stability, the ability to realize; belonging to the guarantee guarantee method of loans, write the guarantee guarantor's basic situation (the same as the borrower's basic situation), assets and liabilities, analyze and assess the qualification of the guarantee, the guarantor's ability to pay for the guarantee, Analyze and assess the qualification of the guarantee, the guarantor's ability to pay on behalf of the borrower, and the guarantor's source of funds. Through the analysis of the basic situation of the borrowing unit, the production and operation situation and the efficiency situation, combined with the mortgage guarantee situation to evaluate the risk of the loan. V. The investigator shall, on the basis of the comprehensive benefit analysis of the loan, make a general evaluation of the enterprise's "cash flow, finance, repayment and management status", and make clear the following matters in conjunction with the purpose of the loan, repayment sources and plans, and the availability of self-financing funds for the borrowing project: 1) Loan or no loan; 2) Loan method; 3) Loan amount; 4) Loan term; 5) Loan duration; 6) Loan amount; 7) Loan amount; 8) Loan amount; 9) Loan amount; 10) Loan duration. Amount; 4, loan period; 5, loan interest rate; 6, repayment method, etc.. Sixth, the investigator's signature of the enterprise pre-credit investigation must be more than two creditors to participate in the investigation report should be more than two loan investigator's signature, and write down the time of the investigation, the investigation report will be handed over to the director of the credit union for review, the director of the credit union after the review of the signature of the name and time.