Question 2: 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 3: What is the contingent liability ratio of the company and what is the asset-liability ratio?
Debt ratio is the ratio reflecting the relationship between liabilities and assets and net assets. It reflects the ability of enterprises to pay long-term debts due.
(1) Asset-liability ratio:
Formula: Asset-liability ratio = (total liabilities/total assets) * 100%
Standard value set by the enterprise: 0.7
Importance: Reflect the ratio of the capital provided by creditors to the total capital. This indicator is also called leverage ratio.
analyse
Prompt: The greater the debt ratio, the greater the financial risks faced by enterprises and the stronger their ability to obtain profits. If enterprises are short of funds and rely on liabilities to maintain, resulting in a particularly high asset-liability ratio, debt risk should be paid special attention to.
The asset-liability ratio is 60%-70%, which is reasonable and steady; When it reaches more than 85%, it should be regarded as an early warning signal and enterprises should pay enough attention to it.
Contingent liability ratio refers to the ratio of total contingent liabilities of an enterprise to total shareholders' equity, which reflects the protection degree of shareholders' equity to possible contingent liabilities. Its calculation formula is:
Contingent liability ratio = contingent liability balance/total shareholders' equity * 100%
Among them, the balance of contingent liabilities = the balance of discounted commercial acceptance bills+the amount of external guarantee+the amount of pending litigation and arbitration (except those caused by discount and guarantee)+the balance of other contingent liabilities.
Generally speaking, the lower the contingent liability ratio, the stronger the long-term solvency of the enterprise, and the higher the protection degree of shareholders' equity to contingent liabilities; The higher the contingent liability ratio, the greater the related risks the enterprise bears.
Question 4: What is the range of healthy asset-liability ratio? It is generally believed that the asset-liability ratio is too high and there is a risk of capital chain breakage. The low asset-liability ratio shows that capital leverage is not used enough and funds are wasted. Therefore, it is generally believed that the asset-liability ratio of about 60% is a reasonable level.
Question 5: 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 6: What is the most suitable asset-liability ratio for enterprises? Different industries have different requirements for asset-liability ratio.
If it's conservative, it's set at 60%
Question 7: What is the standard value of asset-liability ratio? 40%-60%.
Question 8: What is the abnormal data of asset-liability ratio of listed companies? Faint, the asset-liability ratio should be judged according to the industry and its asset turnover rate. If the asset turnover is fast, there is no problem with a higher debt ratio. Some commercial enterprises with light asset allocation have higher asset-liability ratio.
So I suggest that when you analyze this ratio, you should combine asset structure, industry, turnover rate and profitability to judge.
Question 9: What is the range of healthy asset-liability ratio? Different industries have different debt ratios. For example, for technology companies, an asset-liability ratio of less than 30% is acceptable, and some venture capitalists will also consider it. In the real estate industry, due to the huge investment in development funds and rolling development, the debt ratio will be higher; About 2%~4%.
Question 10: What is a good asset-liability ratio? It refers to the ratio of total liabilities to total assets. This indicator shows how much of an enterprise's assets are debts, and can also be used to check whether the financial situation of an enterprise is stable. Different industries have different requirements for asset-liability ratio.
Asset-liability ratio = total liabilities ÷ total assets × 100%
The general asset-liability ratio is directly proportional to the company's cash flow.
The financial industry is one of the industries with fast cash flow, and its asset-liability ratio is relatively high, generally staying above 90%. The retail industry is generally around 55%; Industry and agriculture are relatively low about 35%.
Listed companies are slightly higher, and the operators of enterprises emphasize that the debt ratio should be moderate, because the debt ratio is too high and the risk is high; The debt ratio is low, but it is too conservative. Creditors want low asset-liability ratio and always want to lend money to enterprises with low debt ratio, because if an enterprise has low debt ratio, it is more likely to recover money. Investors usually don't take a stand easily. Through calculation, if the return on investment is greater than the loan interest rate, then investors are not afraid of high debt ratio, because the higher the debt ratio, the more money they earn. If the return on investment is lower than the borrowing rate, it means that the money earned by investors is eaten up by more interest.
Therefore, the asset-liability ratio should be moderate in combination with the company's financial situation.