Companies need loans, banks require close3Annual financial statements, you strive to form beautiful, must make the indicators are to meet the requirements of bank loans;

1The net assets, and years without loans ratio. Must be greater than100%(real estate enterprises can be more than80%).

2, the rate of assets and liabilities. Must be less than the70%Below, the best55%.

Debt paying ability:

3, liquidity ratio. In general, the index is high, indicating that short-term corporate debt paying ability is more strong, usually the index at150%~200%Better.

4, quick ratio. In general, the index is high, indicating that short-term corporate debt paying ability is more strong, usually the index at100%So good, appropriate to relax the small and medium-sized enterprises, also should be more than80%.

5, guarantee ratio. Enterprise should decrease risk loss to the lowest point. Generally speaking, the proportion of less than0.5For good.

Cash flow:

6Net cash generated from operating activities of enterprises, the flow should be positive, and its sales revenue should be in cash85~95%Above.

7Purchase goods, enterprises in the business activities, the cash rate should be in service85~95%Above.

Operation ability:

8, the growth rate of main business income. Generally speaking, if the main business revenue growth rate of not less than8%, the business is in growing period. If the ratio is below-5%, the products will enter the end of life.

9, accounts receivable turnover rate. Enterprises should be more than six times. Generally speaking the enterprise accounts receivable turnover rate is high, enterprise average accounts receivable colection period is short, the funds advanced more rapidly.

10The turnover rate, deposit and loan, the general small and medium-sized enterprises should be more than five times. Inventory turnover faster, the occupation of inventory level is low, liquidity is strong.

Business benefits:

11, operating profit rate, the index represents full year operating income level of profitability, reflect the profitability of enterprises. Generally speaking, the index should be larger than the8%Of course, the index value is greater, that enterprise profitability is strong.

12At present, the rate of return on net assets, to small and medium-sized enterprises should be more than 5%. In general, the index value is higher that investment returns higher, shareholders income level is higher.