Generally speaking, banks examine the creditworthiness of enterprises mainly in four aspects:
1, bank credit
Including the settlement credit and borrowing credit: Settlement credit refers to the application for borrowing enterprises in the cash settlement of the situation is normal, has not occurred in violation of the settlement discipline, bounced cheques, bills can not be honored and penalties and other bad records. Borrowing credit refers to the application for borrowing enterprises have a good willingness to repay, there has been a bank borrowing, no overdue loans or interest arrears and other insolvency phenomena.
2, financial credit: accounting settlement norms, accounting statements are true and credible, assets are real, no cash withdrawal or other fraudulent as.
3, commercial credit: including the application for borrowing enterprises in the contract fulfillment, accounts payable debt settlement can abide by the promise of the business, not a breach of trust.
4, tax credit: the enterprise can pay the tax due on time, no theft, tax evasion and other bad records. These are the four principles of the bank's examination of the creditworthiness of the borrowing enterprise.
Enterprises also need to grasp the following 12 indicators:
Financial structure:
1, the ratio of net assets to annual outstanding loan balance. Must be greater than 100% (real estate companies can be greater than 80%).
2. Gearing ratio. Must be less than 70%, preferably less than 55%.
Solvency:
3. Current ratio. In general, the larger the indicator, the stronger the short-term solvency of the enterprise, usually the indicator in 150% to 200% better.
4, quick ratio. In general, the greater the indicator, the greater the short-term solvency of the enterprise, usually the indicator in about 100% better, the appropriate relaxation of small and medium-sized enterprises, should be greater than 80%.
5, guarantee ratio. Enterprises should minimize the risk of loss. Generally speaking, the ratio is less than 0.5 is good.
Cash flow:
6, the enterprise's net cash flow from operating activities should be positive, and its sales revenue cash back should be more than 85~95%.
7, the enterprise in the operating activities to pay for the purchase of goods, labor cash payment rate should be above 85~95%.
Operating capacity:
8, the 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 period. If the rate is less than -5%, the product will enter the end of life.
9, accounts receivable turnover rate. General business should be greater than six times. Generally speaking, the higher the turnover rate of accounts receivable, the shorter the average collection period of the enterprise accounts receivable, the faster the return of funds.
10, inventory turnover speed, general small and medium-sized enterprises should be greater than five times. The faster the inventory turnover speed, the lower the inventory occupancy level, the stronger the liquidity.
Operating efficiency:
11, operating profit margin, the indicator indicates the profitability of the annual operating income, reflecting the comprehensive profitability of the enterprise. Generally speaking, the indicator should be greater than 8%, of course, the greater the value of the indicator, indicating that the enterprise's comprehensive profitability is stronger.
12, return on net assets, currently for small and medium-sized enterprises should be greater than 5%. In general, the higher the value of this indicator, the higher the return on investment, the higher the level of return to shareholders.
What to pay attention to when submitting a bank account for a business loan.ppt
Issues to pay attention to:
1, the manufacture of false bank accounts is not feasible;
2, print the bank account need to bring all the relevant materials.
What you need to pay attention to when you take out a personal loanThe loan must meet its conditions before you can take out a loan.
Loan application conditions:
1, to have a fixed income, to see the salary details;
2, aged 18-65 years old;
3, if the loan is used for business or purchase of a car, there should be a guarantor and collateral;
4, a good credit.
Loan application information:
1, the lender's ID card;
2, the lender's credit information in the last six months, and credit information is good;
3, the lender's name in the last six months of the bank card flow, no interruption;
4, the lender's proof of residence certificate (rental contract, real estate license, the last three months of the invoices of water, electricity, fees and gas);
5, the lender's work unit issued proof of income;
6, social security, insurance policies, provident fund monthly payments can also be loans.
If you want to take out a higher loan, you can take out a mortgage, such as a house or a car.
What do you need to pay attention to small and micro-enterprise loansEnterprise credit loan application conditions
1, one is the enterprise customer credit rating of at least AA- (including) above the approval of the state-owned commercial banks at the provincial level can be issued credit loans;
2, the second is the total operating income accounting for total profits in the last three years of sustained growth, asset-liability ratio control in the range of 60% of the value of good The cash flow is sufficient and stable
3, three is the enterprise commitment not to its effective business assets to others to set up a credit (pledge) or external guarantee, or in the handling of the credit (pledge) and so on and external guarantee before the consent of the lending bank;
4, invoicing (value-added tax invoices), two years of the annual statement, the last month of the monthly statement, the last six months of invoices,
5, is the enterprise operating income accounting for total profit of nearly three years of sustained growth. p> 5, four is the business management standardization, no debt evasion, interest arrears and other bad credit records.
What to pay attention to when an enterprise applies for a loan from a bankLenders generally need to meet the following conditions:
1, Chinese citizens aged 18-65 who have a fixed residence in China and have a permanent household registration in a local town;
2, abide by the law and have no illegal acts and bad credit records;
3, have a legitimate and stable economic income of a Good occupation, with the ability to repay the principal and interest of the loan on time;
4, other conditions stipulated by the bank.
Loan mouth need to pay attention to what
Hello, as long as you have a stable job income, and credit no problem, you can apply for bank unsecured loan business.
The information you need to prepare for a bank loan:
1. Valid identification documents;
2. Proof of permanent residence or valid proof of residence, and proof of fixed abode;
3. Proof of marital status;
4. Bank current;
5. Proof of income or proof of personal asset status;
6. Credit report;
7. Loan purpose utilization plan or declaration;
8. Other information required by the bank.
Bank loans need conditions:
(1) 18 years of age with full capacity for civil behavior, urban residents with permanent residence or legally valid resident identification, bank loans require the borrower's age is generally between 18-60 years old;
(2) have a stable and legitimate income, have the ability to repay the interest;
(3) the loan bank The other conditions required by the lending bank.
The program for unsecured loans is generally divided into three steps:
(1) The customer submits basic information, including work unit and contact phone number.
(2) The lending bank or company verifies the customer's credit information, including the customer's credit rating and whether there is any violation of the law, and for the self-employed and small and medium-sized enterprises (SMEs), it is also necessary to investigate the status of their business operations.
(3) The staff of the lending institution signs the contract with the customer and realizes the lending in the shortest possible time.
The above answer is provided by Ronglian Weiye.
What do you need to pay attention to when applying for a loan for small and micro enterprisesWhat do you need to pay attention to when applying for a bank loan for small and micro enterprises?
Micro and small enterprises is a collective term for small enterprises, micro enterprises, family-owned enterprises, and self-employed businessmen, which was put forward by economist Prof. Lang Xianping. For small and micro enterprises, financing is their biggest problem. What do micro and small enterprises need to pay attention to when applying for bank loans?
Establish a good bank-enterprise relationship
(1) Enterprises should be credible. Enterprises in their dealings with the bank, to make the bank absolutely assured of the safety of the loan. How to make the bank assured of the enterprise?
First of all, enterprises should pay attention to the daily management of funds. Because the bank in the examination of the enterprise is often from the use of funds, turnover and financial accounting and other aspects of the start.
Second, the enterprise should often take the initiative to report to the bank on the company's operation, so that the bank in the regular communication with the enterprise, to strengthen the trust of the enterprise.
Finally, the enterprise should also practice hard to improve the management level of the enterprise, and establish a good reputation with practical actions.
(2) Enterprises should be patient. In the fight for loans to have patience, fully understand and sympathize with the difficulties of the bank, to avoid the impulse to hurt the peace, so that the loss is not worth it.
(3) to take the initiative and enthusiasm to cooperate with the bank to carry out various tasks. Such as actively cooperate with the bank to carry out a variety of investigations, fill out and submit the enterprise financial statements; loan expiration initiative on time to fulfill the repayment or rollover procedures to obtain the bank's trust in small and medium-sized enterprises.
enterprises in arrears disputes need to pay attention to whatin the contract as much as possible to detail the obligations and rights of debt, liability for breach of contract, according to the law.
What do you need for an enterprise loan application?Generally need a business license for one year, there are six months of bank water. Of course, it depends on the platform audit qualification requirements, here to share a more comprehensive Amoy gold Amoy financial enterprise loan audit qualification:
1. Proof of identity: the original resident identity card;
2. Proof of address: to provide the last two months bank statement/credit card bill/action telephone service bill/broadband service bill/letter/producer's certificate; water/electricity/gas/cable TV/ fixed telephone bill/leasing contract and Fixed telephone bill / lease contract and the last 2 months of rent payment;
3. Proof of business information: the following information are required to provide:
A business license / special industry-related certificates (the scope of business does not relate to the special industries do not need to provide)
B the last 6 months of public accounts and personal accounts bank water E business premises property rights certificates, rental certificates or lease contracts within the validity period Choose the brand for a long time, good reputation of the service provider, host space to be stable, speed, after-sales service is good and timely. Domain name registration and renewal prices should be transparent, transfer no threshold restrictions on the good.