How to write the financing purpose of project loan in bank investigation report
Project loans are mainly: enterprise plant construction, acquisition of equipment and other fixed assets, capital increase and expansion of production, real estate development loans, land consolidation loans, financial leasing loans, loans for rural urbanization and so on.
Difference between credit financing approval and loan approval
1. What is the difference between financing and loan? Lending institutions are generally larger, more influential market institutions, such as banks, insurance and other financial industries, in accordance with the established interest rate, the funds in the form of a loan to the borrower, requiring it to repay the principal within a certain time frame and pay the corresponding interest. Such a form and scale is called a loan. In essence, loans include not only borrowing money, but also some of the economic behaviors of lending money such as discounting in finance. Loans are therefore a general term for a variety of ways of transferring funds. The existence of loans not only allows funds to realize their use value to a greater extent, but also allows banks and other financial institutions to obtain interest and other income through this way. As far as the financing loan itself is concerned, it is of a certain *** nature because the loan itself is one of them, in the narrow sense of the word. For the purpose of financing, companies can also obtain funds through project financing and other means. In addition, generally speaking, for loans, large enterprises will be called financing, but generally small and medium-sized enterprises will be called company loans, and different enterprise sizes will be called differently. In the process of market development, both corporate financing and corporate loans represent certain economic behaviors. And this kind of financial behavior that is conducive to promoting enterprise progress and social development will continue to bring greater use of resources to society and enterprises, so that society and enterprises develop more rapidly. Second, what are the characteristics of financing? (1) Raise as much money as possible; (2) Remember that angels, VCs and PEs like to invest in "dreams". This wonderful promise to either solve existing problems or create a better future; (3) show potential investors evidence of the company's potential for success, such as the company's products, organizational leadership and return on investment; (4) try to raise funds from multiple sources, establish good relationships with partners, and adjust your plans at any time; (5) remember that you are not only raising funds, but also looking for "partners". Therefore, before signing the agreement, it is best to outline the prospects of cooperation with the new partner, and consider clearly whether this will maximize your personal and company interests. To summarize, in fact, the loan itself is a kind of financing, and different sizes of enterprises are just different names for financing. Small and medium-sized enterprises are generally called loans, large enterprises are called financing
Business plan in the "financing" part of how to write?
The short answer is to let investors know how much money the entrepreneur needs, how much equity he will give up, and the subsequent arrangements for these funds.
The contents of the financing plan include:
I. Introduction of the enterprise: corporate profile, the current status of the enterprise, the strength of the existing shareholders, the degree of creditworthiness, the board of directors' resolution;
Two, the project analysis: the basic situation of the project, the project from the project, the value of the project, the feasibility of the project;
Three, the market analysis: the market capacity, the target customers, the competitive positioning, the market forecast. Market forecast;
Fourth, management team: introduction of management personnel, organizational structure, management advantages;
Fifth, financial plan: the amount of funds required, the use of funds, financial statements.
Financial analysis of the main analysis:
1, capital operation analysis: according to the company's business strategy and financial system, forecast and monitor the flow of funds and the use of funds, for the company's capital operation, scheduling and coordination to provide information and decision-making support;
2, financial policy analysis: according to a variety of financial statements, analyze and forecast the company's financial returns and risks, for the company's business development, scheduling and coordination. Risk, for the company's business development, financial management policies and systems for the establishment and adjustment of the policy guidance;
3, business management analysis: participate in sales, production, financial forecasting, budget execution analysis, performance analysis, and put forward professional analysis of the proposal, to provide professional judgment for the business decision-making;
4, investment and financing management analysis: participate in the financial measurement of investment and financing projects, cost analysis, sensitivity analysis and other activities, with the superiors to develop investment and financing programs to prevent risk, and to maximize the benefits of the company to stabilize the dynamic balance of the company;
5, financial analysis reports: according to the financial management policy and business development needs, writing financial analysis reports, investment and financial research reports, feasibility study reports, etc., for the company's financial decision-making to provide theoretical guidance and direction.
Financing plan writing, roughly divided into five major steps:
First, the financing project justification; mainly refers to the feasibility of the project and the project's yield.
Second, the choice of financing; you do as a financier, you should choose the low cost, financing fast financing. For example, the issuance of shares, securities, loans to banks, acceptance of the investment of the partners; if your project and the current industry and government policy in line with the government, you can ask for government financial support or rely on government publicity.
Third, the distribution of financing; the financing should be earmarked to ensure the continuity of the project implementation.
Fourth, the return of financing; the implementation of the project there is always a period of control, once the implementation of the project began to recover the principal, it should begin to finance the funds for reasonable repayment.
Fifth, the distribution of financing profits.
General Characteristics of SME Financing
Theoretically, with the general foundation and development overview of China's SMEs as the basic premise, it gradually analyzes the problems of SMEs' financing difficulties, financing gaps, and financing channels and modes, etc.; practically, it comprehensively discusses SMEs' general and specific financing, traditional financing and financing innovations, movable assets financing and lease financing, and the financing of the capital. In practice, it comprehensively discusses the general financing and specific financing, traditional financing and financing innovation, movable property financing and lease financing, project financing and overseas financing, venture capital and listing financing and other business operations. This book organically combines the basic features of "entrepreneurship" and "innovation" of SMEs, and integrates knowledge, application and systematization.
Small and medium-sized enterprise financing characteristics:
I. General characteristics of small and medium-sized enterprise financing:
Small and medium-sized enterprise due to the small size of the assets, financial information is not transparent, the operation of the great uncertainty, the ability to withstand the external economic shocks of the weak constraints, coupled with the requirements of their own economic flexibility, the financing of its compared with the large enterprises there is a great deal of specificity.
1, small and medium-sized enterprises, especially small enterprises in the choice of financing channels, more than large enterprises rely on endogenous financing.
2, in the choice of financing methods, small and medium-sized enterprises rely more on debt financing, in debt financing and mainly rely on loans from banks and other financial intermediaries.
3. Debt financing for SMEs is characterized by small scale, high frequency and greater reliance on short-term loans with high liquidity.
4, compared with large enterprises, small and medium-sized enterprises rely more on commercial credit between enterprises, equipment leasing and other financing channels from non-financial institutions, as well as a variety of informal financing channels in the private sector.
Second, different types of small and medium-sized enterprise financing characteristics:
1, manufacturing small and medium-sized enterprises:
Manufacturing enterprises have a large demand for capital, slow, business activities and the use of funds involved in a wide range. Therefore, the risk is also relatively large, financing is also a little more difficult.
2, high-tech small and medium-sized enterprises:
High-tech small and medium-sized enterprises are characterized by high investment, high growth, high return and high risk, while high growth and high return are premised on high investment. Therefore, capital is a booster to support high-tech SMEs from start-up to growth, and it is one of the important scarce resources for the growth of high-tech SMEs, and capital raising is in a more prominent position than other traditional industries for SMEs.
Since high-tech enterprises have different degrees of risk in each stage of development, their types of capital needs are also different.
Generally speaking, the life cycle of high-tech enterprises includes six phases, namely, the research and development period, the start-up period, the early growth period, the accelerated growth period, the stable growth period and the maturity period. Among them, in the first and second period, the funds mainly come from the private investment of entrepreneurs and researchers, from the end of the second period to the fourth period, the demand for funds gradually shifted from private investment to relying on venture capital, when the bank credit due to the greater risk of the enterprise and collateral less willing to intervene. Only in the fifth and sixth periods, after the enterprises' technology, management and market matured, did credit capital begin to enter on a large scale. Therefore, in the case of insufficient credit funds to maintain the growth of high-tech enterprises, the capital market has a unique and irreplaceable role in the growth of high-tech SMEs.
3. Service-oriented SMEs:
The capital needs of service-oriented SMEs are mainly liquidity loans for inventories and loans for operating expenses on promotional activities.
It is characterized by a small number, high frequency, short loan cycle, loan randomness, but generally speaking, the risk is relatively small compared to other small and medium-sized enterprises, so it is generally small and medium-sized commercial banks are more willing to give the object of the loan.
4, community-based small and medium-sized enterprises:
Community-based small and medium-sized enterprises (including the street handicraft industry) is a special category of small and medium-sized enterprises, they have a certain social welfare, so it is easier to get the government's support fund. In addition community **** with the pooling of funds is also an important source of funding for such enterprises.
Third, the financing characteristics of SMEs at different stages of development:
Any enterprise from the conception to the enterprise founding, development, maturity, there is a growth life cycle, generally divided into the seed stage, the creation of the period, the survival period, the expansion of the period, the maturity period. SMEs at different stages of development have different requirements for financing, and the funds needed at different stages have different characteristics.
1, seed financing characteristics:
In the seed period, the entrepreneur may only have an idea or a still remain in the laboratory has not yet completed the scientific research project, the establishment of enterprises may still be a dream. In this period, entrepreneurs need to invest a considerable amount of money for research and development, or to test or verify their ideas. Therefore, not much capital is needed during the seed period, and the investment is mainly used for the development and testing of new technologies or products. During this period, if the idea or research project is very attractive, it is likely to attract individual venture capitalists known in the West as "angels". In addition, SME entrepreneurs may also seek some funding from the government. The main result of the seed stage is the successful development of the sample, and the formation of a complete production and business plan.
2, the creation of the financing characteristics of the period:
The creation of the period of the enterprise needs to start the preparation of the company, the development of the product into trial production, and therefore need a certain amount of "threshold capital", the funds are mainly used for the purchase of machinery, plant, office equipment, production materials, follow-up of the R & D and the initial sales, etc., the capital required is often very large. The capital required is often huge. The entrepreneur's capital alone often cannot support these activities, and because of the lack of past business records and credit history, the possibility of applying for a loan from the bank is also very small. Therefore, financing at this stage focuses on the need for the entrepreneur to raise equity financing from new investors or institutions, and attracting institutional venture capitalists is a very critical component of financing here. Because the risks faced at this time are still very huge and intolerable to the average investor. More importantly, because the institutional risk investors invest in too many projects, generally will not directly intervene in the production and operation of the enterprise, and therefore put special emphasis on the future of the enterprise can be strictly in accordance with the modern enterprise system of scientific management, standardized operation, in the property rights is also required to be very clear, which is very beneficial to the enterprise in the long run, especially for the future of the success of the listing and financing.
3, survival financing characteristics:
Survival of enterprises need to vigorously develop the market, marketing products, and therefore need a lot of money. Most of the small and medium-sized enterprises in this stage, financial difficulties is the biggest problem faced by small and medium-sized enterprises in this stage. The products have just been put into the market, the sales have not yet opened, the products caused by the squeeze, the cash outflow is often greater than the inflow of cash. For this reason, the enterprise must arrange the daily cash income and expenditure plan very carefully, the slightest carelessness will fall into a difficult situation; at the same time, it also needs to raise funds to make up for the shortage of cash in many ways, at this time the financing portfolio is very important. Since the equity structure has been determined at the time of the company's establishment, it is generally not easy to utilize equity financing, therefore, the focus of financing at this stage is to make full use of debt financing.
4, the expansion period of financing characteristics:
Entering the expansion period, the enterprise's survival problem has been basically solved, cash shortfalls and requirements for the injection of funds has been reversed, the enterprise is to do the main work is to further develop and strengthen the ability to market. At the same time, the enterprise has more stable customers and suppliers and a relatively good credit record, to obtain bank loans or use credit financing is relatively easy. However, the enterprise is growing very rapidly and the original asset size can no longer meet the needs. For this reason, the enterprise must increase capital and inject a large amount of new capital. The original shareholders if the capital contribution is best, but usually it is necessary to introduce new shareholders. At this time, the enterprise can choose relatively more investors. It should be reminded that the starting point of this stage of financing work is to prepare for the enterprise to go public, adjusted and improved for the conditions required by the listed company.
5, maturity financing characteristics:
In the maturity stage, the enterprise has its own relatively stable cash flow, the demand for external funds is not as urgent as the previous stage. The focus of the maturity period is to complete the listing of the enterprise. Successful listing of small and medium-sized enterprises is like jumping over the dragon gate, a qualitative leap will occur. Enterprise financing is no longer a problem that has long plagued the development of enterprises. Therefore, from the perspective of financing, a successful listing is a sign of enterprise maturity. At the same time, the enterprise listing can also make the successful exit of venture capital, so that venture capital can enter a virtuous cycle. Due to the high threshold of the domestic main board and the policy of tilting to state-owned enterprises and large enterprises, small and medium-sized enterprises (SMEs) and private enterprises are more suitable to be listed on the second board market, which is also in line with the market positioning of the second board market mainly for SMEs. At present, small and medium-sized enterprises on the second board market is more, but mainly concentrated in the United States of America's Nasdaq market and China's Hong Kong GEM market, while China's mainland GEM market is actively in the pipeline.
There are also other channels to obtain financing, such as Guangdong SME financing network:
Also be able to visit bbs.gdrz.cn to discuss financing and loans, financing strategies, financing reports, financing assessment, financing guarantees, financing recommendations, financing leasing, SME financing information in this regard.
What is the best way to prepare a financing statement for a bank loan? I'm not sure if I can do it, but I'm sure I can do it.
To note: 1, the debt ratio is best not to exceed 50%.
2, to calculate the amount of funds needed, it must exceed the amount you want to borrow. (Calculation of capital requirements can be found online)
3, a but the second meets the requirements, the rate and so on the approval of the bid no problem.
Used to finance a loan type of feasibility study report charges?
We just made a financing for you to see a catalog customized a 6000 yuan.
Shandong xxx Co.
Disposable medical supplies production base construction project
Feasibility study report
April 2013
Table of Contents
Chapter 1 General 1
1.1 Project Outline 1
1.1.1 Project Name1
1.1.2 Project Construction Organization1
1.1.3 Project Responsible Person1
1.1.4 Nature of Project Construction1
1.1.5 Location of Project Construction1
1.1.6 Project Investment Scale1
1.1.7 Project Construction Scale2
1.1.8 Source of Project Funding3
1.1.9 Project Construction Period3
1.2 Introduction of Project Contractors3
1.3 Basis of Preparation4
1.4 Principles of Preparation4
1.5 Scope of the Study5
1.6 Main Economic and Technical Indicators5
1.7 Comprehensive Evaluation6
Chapter 2: Background of the Project and Feasibility Analysis of Necessity7
2.1 Background of the Project7
2.2 Reasons for the Initiation of the Project7
2.3 Analysis of Necessity for the Construction of the Project8
2.3.1 Needs to Promote the Rapid Development of China's Medical Devices Industry8
2.3.2 Needs to Meet the Urgent Demand of the Current Disposable Medical Device The need to meet the urgent needs of the current market for disposable medical devices8
2.3.3The need to enhance the competitiveness of enterprises and contribute to the long-term strategic development of enterprises9
2.3.4The need to increase local employment and drive the development of the industrial chain10
2.3.5The need to promote the process of economic development in the place where the project is constructed10
2.4Feasibility analysis of the construction of the project10
2.4Feasibility analysis of the construction of the project10< /p>
2.4.1 Policy Feasibility10
2.4.2 Technical Feasibility11
2.4.3 Market Feasibility12
2.4.4 Management Feasibility13
2.5 Conclusion of the Analysis13
Chapter 3: Analysis of the Market of the Industry15
3.1 Current Situation of the Development of Medical Devices in China Analysis15
3.2 Analysis of China's medical device market demand17
3.3 Analysis of the development of the disposable medical device industry18
3.4 Analysis of the disposable medical device industry market19
3.5 Summary of the market20
Chapter 4: Conditions for the construction of the project22
4.1 Selection of the project proposed address 22
4.2 Regional Location23
4.3 Regional Overview23
4.4 Regional Geography24
4.4.1 Topography and Geomorphology24
4.4.2 Climate Environment24
4.4.3 Natural Resources25
4.4.4 Industrial Development26
4.4.5 Regional Economic Development27
Chapter 5 Master Planning Program31
5.1 Civil Program31
5.1.1 Program Guiding Principles31
5.1.2 Principles of General Layout31
5.1.3 Selection of Civil Program32
5.2 Project General Layout32
5.3 General Layout Design33
5.3.1 Overall Design Principles33
5.3.2 Overall Design Program34
5.4 Main Construction Contents35
5.5 Construction Program of 100,000-Class Cleanroom35
5.6 Engineering Piping Layout Program37
5.6.1 Water Supply and Drainage37
5.6.2 Power Supply39
5.6.3 Ventilation41
5.7 Road Design Scheme41
5.8 General Transportation Scheme41
5.9 Land Utilization41
5.9.1 Project Land Use Planning Site41
5.9.2 Land Use Size and Type of Land Use42
Chapter 6 Main Products and Technical Programs43
6.1 Main Product Programs43
6.2 Product Standards43
6.3 Principles of Setting Product Prices43
6.4 Determination of Production Scale of Products44
6.5 Production Process Flow of Project Products44
6.5.1 Selection of product process scheme44
6.5.2 Product process flow diagram44
Chapter 7 Raw Material Supply and Equipment Selection50
7.1 Supply of Main Raw Materials50
7.2 Selection of Major Equipment50
7.2.1 Principle of Equipment Selection50
7.2.2 Major Equipment Details51
Chapter 8 Energy Conservation Program53
8.1 Rational Energy Use Standards and Energy Conservation Design Codes Followed by the Project53
8.2 Analysis of the Types and Quantity of Energy Consumption in the Construction Project54
8.2.1 Types of Energy Consumption54
8.2.2 Analysis of Energy Consumption Quantity54
8.3 Analysis of Energy Supply Situation in the Project Location54
8.4 Main Energy Consumption Indicators and Analysis55
8.4.1 Analysis of Project Energy Consumption55
8.4.2 National Energy Consumption Indicators55
8.5 Analysis of Energy Saving Measures and Energy Saving Effect56
8.5.1 Industrial Energy Conservation56
8.5 .2 Water Conservation Measures56
8.5.3 Building Energy Conservation57
8.5.4 Enterprise Energy Conservation Management58
8.6 Conclusion58
Chapter 9 Environmental Protection and Fire Fighting Measures60
9.1 Design Basis and Principles60
9.1.1 Environmental Protection Design Basis60
9.1.2 Design Principles60
9.2 Environmental Conditions of Construction Site61
9.3 Impact of Project Construction and Production on the Environment61
9.3.1 Impact of Project Construction on the Environment61
9.3.2 Pollutants Generated by the Project's Production Process62
9.4 Environmental Protection Measures Program62
9.4 Environmental Protection Measures Program62
9.4 Environmental Protection Measures Program62
9.4 Environmental Protection Measures Program62
9.4 Environmental Protection Measures Program p>9.4.1 Environmental protection measures during the construction period of the project62
9.4.2 Environmental protection measures during the operation period of the project64
9.4.3 Evaluation of environmental protection measures65
9.4.4 Environmental management and monitoring institutions65
9.5 Greening program66
9.6 Fire protection measures66
9.6.1 Design basis66
9.6.2 Precautionary measures66
9.6.3 Fire protection management67
9.6.4 Expected effect of fire protection measures68
Chapter 10 Labor safety and health69
10.1 Basis of compilation69
10.2 Overview69
10.3 Labor safety 69
10.3.1 Engineering Fire Protection69
10.3.2 Fire and Explosion Prevention Design70
10.3.3 Electricity70
10.3.4 Anti-static and Lightning Protection Measures70
10.4 Labor Hygiene71
10.4.1 Prevention of Heat Stroke and Winter Heating71
10.4.2 Sanitary Facilities71
10.4.3 Sanitary and Epidemiological Prevention71
10.4.4 Lighting71
10.4.5 Prevention of Scalding71
10.4.6 Noise72
10.4.7 Personal Protection72
10.4.8 Safety Education and Protection72
Chapter 11 Enterprise Organization and Labor Fixing73
11.1 Organization 73
11.2 Incentive and Constraint Mechanism 73
11.3 Training Plan 74
11.4 Human Resource Management 74
11.5 Labor Fixing75
11.6 Welfare Benefits 75
Chapter 12 Project Implementation Planning76
12.1 Planning of Construction Duration76
12.2 Construction Duration76
12.3 Implementation Progress Arrangement76
Chapter 13 Investment Estimation and Funding77
13.1 Basis of Investment Estimation77
13.2 Estimation of Construction Investment77
13.3 Liquidity Estimation78
13.4 Financing78
13.5 Total Project Investment78
13.6 Use and Management of Funds81
Chapter XIV Financial and Economic Evaluation82
14.1 Estimation of Total Costs and Expenses82
14.1.1 Basic Data Establishment82
14.1.2 Product Costs83
14.1.3 Average Product Profit and Sales Taxes84
14.2 Financial Evaluation84
14.2.1 Project Payback Period84
14.2.2 Profit Margin on Project Investment85
14.2.3 Uncertainty Analysis85
14.3 Comprehensive Benefit Evaluation Conclusion89
Chapter 15 Risk Analysis and Avoidance91
15.1 Project Risk Factors91
15.1.1 Force Majeure Factor Risks91
15.1.2 Technical Risks91
15.1.3 Market Risks91
< p>15.1.4 Funds Management Risk9215.2 Risk Avoidance Countermeasures92
15.2.1 Force Majeure Factor Risk Avoidance Countermeasures92
15.2.2 Technical Risk Avoidance Countermeasures92
15.2.3 Market Risk Avoidance Countermeasures92
15.2.4 Funds Management Risk Avoidance Countermeasures93
Chapter 16 Bidding Program94
16.1 Bidding Management94
16.2 Bidding Basis94
16.3 Scope of Bidding94
16.4 Bidding Methods95
16.5 Bidding Procedures95
16.6 Bid Evaluation Procedures96
16.7 Issuance of Notification of Successful Bid 96
16.8 Filing of Written Status Report on Bidding 96
16.9 Filing of Contract 96
CHAPTER 17 CONCLUSIONS AND RECOMMENDATIONS 97
17.1 Conclusions 97
17.2 Recommendations 97
Schedule 98
Schedule 1 Forecasts of Sales Revenue 98
Schedule 2 Schedule of Total Costs 100
Schedule 3 Schedule of Outsourced Raw Materials 101
Schedule 4 Schedule of Outsourced Fuel and Power 103
Schedule 5 Schedule of Wages and Benefits 104
Schedule 6 Schedule of Profit and Profit Distribution 105
Schedule 7 Schedule of Depreciation Expense on Fixed Assets 106
Exhibit 8 Amortization of Intangible Assets and Deferred Assets107
Schedule 9 Liquidity Estimates108
Schedule 10 Balance Sheet109
Schedule 11 Cash Flow Statement of Capital Funds110
Schedule 12 Statement of Cash Flows from the Financial Plan111
Schedule 13 Statement of Cash Flows from the Project's Investment113
Schedule 14 Borrowing Repayment Schedule 115