What problems should banks pay attention to when making project loans to enterprises?

1. What problems should banks pay attention to when making project loans to enterprises?

As far as the loan itself is concerned, the purpose of the loan should be legal and compliant, and the loan scale should conform to the scale of the enterprise. Banks usually evaluate from the following aspects:

1, whether the operating conditions of the enterprise are normal. Through on-the-spot investigation, the management and employees or the three meters (water, electricity and coal) can be used to judge whether the enterprise is operating normally. Only normal enterprises can generate cash flow to repay the principal and interest of bank loans;

2. Whether the financial status of the enterprise is good. Through the analysis of the statement, evaluate its long-term and short-term solvency, operating ability and profitability, and evaluate whether its net cash flow is sufficient. Cash flow is the first source of repayment.

3. Whether the guarantee is implemented. The market is changing rapidly, and there are always some unstable factors affecting the operation of enterprises. If there is a problem with the first repayment source, use the second repayment source. Adequate collateral is the most welcome thing for banks, and the guarantor that meets the bank's standards is also the object of consideration for banks.

Meet the above conditions, as long as the two sides reach an agreement on the price (that is, the loan interest rate), you can basically apply for a loan.

2. If you are the manager of the credit department of a bank, what factors should you consider when granting loans to enterprises?

When making loan decisions, banks should mainly analyze the solvency of enterprises. Banks should analyze the short-term solvency and long-term solvency of enterprises according to the loan term. Indicators to measure the short-term solvency of enterprises include current ratio, quick ratio, cash ratio and cash flow ratio. Indicators to measure the long-term solvency of enterprises include asset-liability ratio and interest guarantee multiple. In addition, we should also pay attention to the management ability, profitability, credit status and guarantee of enterprises.

3. What problems should banks pay attention to when making project loans to enterprises?

The president is in charge. Just listen.

If you really want to ask, there are only three aspects: people and property.

Person: management background, management style, credit status, etc.

Finance: the financial status and capital status of enterprises in recent years. For example, how much cash is on hand and how much liquidity is there. What is the total investment of the project, how many steps are divided into, how long is the investment and construction cycle time of each step, and where does the project come from? If they all come from banks, is the burden on enterprises too heavy? If some of them come from banks and enter the project, these are the keys to the success or failure of the project.

Thing: You look at an enterprise, which is fundamental. These things are more reliable, and new projects can only be carried out hopefully. Second, look at the feasibility of new projects, whether the existing scale of enterprises is too large, whether enterprises and sources of funds are reliable, and so on.

Project loan is different from enterprise working capital loan. Simply put, it is to see whether the depreciation and profit can cover the repayment principal and interest in each repayment period after the project is completed. This is not only a means to determine the security of loans,

I wish the landlord a successful negotiation.