puma tarun Business Bank financing risk control (

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enterprise must provide the last 3 years, after accounting firm audited financial statements from which hold the 12 financial indicators:
1, the net assets and the ratio of loan balance is not. Must be greater than 100% (the real estate business can be greater than 80%).
2, asset-liability ratio. Must be less than 70%,puma tarun, preferably less than 55%.
solvency:
3,tennis asics,mbt fumba 时间深处、记忆为患, the current ratio. In general, the larger the index,tory burch messenger bag 领略名人眼中的保险 20位中, indicating that short-term solvency of the stronger companies, often the target of 150% to 200% better.
4, the quick ratio. In general,betty boop handbags 迷茫, the larger the index, indicating that short-term solvency of the stronger companies, usually around 100% of the target better be relaxed for SMEs should also be greater than 80%.
5, guarantee rate. Enterprise risk of loss should have dropped to the lowest point. Generally speaking, the ratio of less than 0.5 as well.
cash flow:
6, business from operating activities Net cash flow should be positive, the sales income of cash withdrawn from circulation should be 85 ~ 95%.
7, the business activities of enterprises to pay the procurement of goods, services,tory burch nyc, a cash payment rate should be 85 ~ 95%.
viability:
8, main business revenue growth. Generally speaking, if the main business income of not less than 8% annual growth rate, indicating that the company's main business is in a growth period. If the ratio is less than -5%, indicating that the product will enter the end of life.
9, accounts receivable turnover rate. General business should be more than six times. Generally speaking the higher the turnover rate of account receivable, account receivable average collection period is shorter, the faster capital returns.
10, savings and loan turnover rate, generally small and medium enterprises should be more than five times. Faster inventory turnover, inventory occupy the lower level, more liquid.
operating efficiency:
11, operating profit margin, said the revenues of the target level of profitability, reflecting the company's consolidated profitability. In general, the index should be greater than 8%, of course,asics wrestling shoes, the greater the index value, indicating that the stronger integrated enterprise profitability.
12, return on net assets,ugg bailey, the current terms for SMEs should be more than 5%. In general, the higher the index value of the return on that investment brings higher income levels, the higher the shareholders.