Kneeling for enterprise loan after loan inspection (monitoring) report example

Post-loan inspection report Report on post-loan inspection after early warning of xxx LLC Time: July 8, 2005 20:58 xxx Medical Equipment Co., Ltd. has a loan balance of 3 million yuan in our bank, **** 1, all for medium-term working capital loans. Due to poor business governance and low operating income, our loan has been at risk, and the Bank raised a risk warning signal for the loan on October 13 of this year. According to the general rules of the loan and the relevant provisions of the post-loan risk management, my department on November 30, 2003 on the company's post-loan related situation of the inspection, the specific inspection report is as follows: First, the basic situation × × medical equipment limited liability company was established in March 2000, the company's enterprise type for limited liability companies, the registered capital of 600,000 yuan yuan, the contributors * * * 2 people, of which the legal representative Fu Moumou, capital 40 million yuan. Legal representative FuMouMou, capitalization of 400,000 yuan, accounting for 67% of the registered capital, ZhouMou capitalization of 200,000 yuan, accounting for 33% of the registered capital, the two are husband and wife. The company's business scope to the human body disease *** vibration imaging examination, the operation of medical equipment. The company in August 2000 in our bank loan 3 million yuan, for the purchase of *** vibration instrument. Second, the operation and financial situation The company and a city hospital co-operation, business premises in a city hospital on the first floor, for the patient *** vibration imaging examination, due to the price of charges, and the city hospital CT competition and other factors, do into the image of the examination of the patient is not much, the enterprise business efficiency is not good, the current year from January to September only realized income of 200,000 yuan. As of the end of September this year, the total assets of the enterprise book was 5.33 million yuan, including current assets of 130,000 yuan, fixed assets of 5.2 million yuan, total liabilities of 3.21 million yuan, of which 210,000 yuan of current liabilities, long-term liabilities of 3 million yuan (3 million yuan of borrowing from the Bank), gearing ratio of 60%, the current ratio of 62%, owner's equity of 2.12 million yuan. Since the company has basically stopped operation after September, the financial data at the end of September is used. Third, the loan situation The enterprise credit rating is A, the maximum credit amount of 3 million yuan, as of now the enterprise in our bank loan balance of 3 million yuan, due to poor business operations, the inability to repay the bank loan, has been in this year on August 20, rollover, loan with machinery and equipment *** vibration instrument as collateral, collateral value of 5.22 million yuan, collateral rate of 54%. Fourth, there are problems (risk warning reasons) (a) the enterprise into operation has been more than three years, the equipment has not been fully depreciated (according to the normal equipment depreciation method, eight years of depreciation, depreciation should be 2 million yuan, the actual depreciation of 900,000 yuan), resulting in serious latent loss of the enterprise (b) the enterprise collateral for the special equipment, more specialized, faster replacement, poor liquidity. (iii) The enterprise has been earning less income, the principal has not been repaid and it is difficult to pay the interest, and the interest has been owed for the second period. (d) The investor and operator are separated, and there are often tug-of-war phenomena in the operation and governance, which adversely affects the repayment of principal and interest on the loan. In summary, the Bank on October 13 this year, the enterprise loan of 3 million yuan put forward risk warning signals, and formulated the relevant risk warning disposal measures. V. Disposal Program After communicating with the legal representative and treasurer of the enterprise, combined with relevant policies and legal propaganda, the use of the Bank's overall attack, and the enterprise to reach a *** knowledge, for the Bank's proposed disposal of collateral to repay the loan principal and interest and other related issues, the enterprise agreed to pay back the interest owed as soon as possible and agreed to dispose of the loan collateral to repay the loan to our Bank, is expected to be January 2004 can be operated out. Customer a Customer Department Manager: Customer Manager (Group) Add: There is also this, you see for yourself. http://www.rxyj.org/html/2010/0220/57020.php