How do traditional financial institutions evaluate the financing ability of SMEs?

Enterprise financial indicators, enterprise assets, guarantee resources, enterprise credit records, etc.

According to the data of Baidu Library, the criteria for traditional financial institutions to evaluate small and medium-sized borrowing capacity are as follows:

1, enterprise's financial indicators: For an enterprise, financial indicators are the basic basis for measuring the enterprise's ability to resist risks and repay on time, so indicators such as asset-liability ratio and inventory turnover rate, including the cash flow statement of the enterprise, are all important financial factors for financing.

2. Asset composition of an enterprise: In the asset composition of an enterprise, there are some common assets with concentrated value and easy realization, such as non-consumable items such as real estate, and many assets with stable value. On the one hand, you can set a guarantee on these assets, on the other hand, it is also the visible value embodiment of the enterprise, so these are also important factors to determine the lending ability.

3. Guarantee resources: General financing requires guarantee measures, so it is very important for enterprises to have their own guarantee resources, such as their own property or rights that can be mortgaged or pledged, the mortgage or pledge of property provided by third parties, and the guaranteed repayment by confident third parties, which also determine the strength of borrowing ability.

4. Credit records of enterprises: At present, the credit records of enterprises are generally only records of financial institutions. With the development of commercial credit registration, the comprehensive credit record of enterprises will become another important financing threshold.