How to make financial statements for bank loans?

Preparation of bank loan statements, generally grasp the following 12 financial indicators, the business to do loans favorable. \x0d\1, the ratio of net worth to annual outstanding loan balance. Must be greater than 100% (real estate companies can be greater than 80%). \x0d\2, gearing ratio. Must be less than 70%, preferably less than 55%. \x0d\3, current ratio. In general, the larger the indicator, indicating that the enterprise's short-term solvency is stronger, usually the indicator in 150% to 200% is better. \x0d\4, quick ratio. In general, the larger the indicator, indicating that the enterprise's short-term solvency is stronger, usually the indicator in about 100% better, the appropriate relaxation of small and medium-sized enterprises, should also be greater than 80%. \x0d\5, guarantee ratio. Enterprises should minimize the risk of having losses. Generally speaking, the ratio is less than 0.5 is good. \x0d\6, the enterprise's net cash flow from operating activities should be positive, and its cash back from sales revenue should be above 85~95%. \x0d\7, the enterprise in operating activities to pay for the purchase of goods, labor cash payment rate should be above 85~95%. \x0d\8, the main business income growth rate. Generally speaking, if the annual growth rate of main business income is not less than 8%, it means that the main business of the enterprise is in the growth period. If the rate is less than -5%, it means that the product will enter the end of life. \x0d\9, accounts receivable turnover rate. General business should be greater than six times. Generally speaking, the higher the enterprise accounts receivable turnover speed, the shorter the average collection period of the enterprise accounts receivable, the faster the return of funds. \x0d\10, inventory and credit turnover speed, general small and medium-sized enterprises should be greater than five times. The faster the inventory turnover speed, the lower the inventory occupancy level, the stronger the liquidity. 11, operating profit margin, the indicator indicates the profitability of the annual operating income, reflecting the comprehensive profitability of the enterprise. Generally speaking, the indicator should be greater than 8%, of course, the greater the value of the indicator, indicating that the enterprise's comprehensive profitability is stronger. \x0d\12, return on net assets, currently for small and medium-sized enterprises should be greater than 5%. In general, the higher the value of the indicator shows that the higher the return on investment, the higher the level of shareholders' earnings.