银行贷款企业财务报表必须具备条件.docVIP

银行贷款企业财务报表必须具备的条件 一、财务结构：1、净资产与年末 HYPERLINK /search?word=%E8%B4%B7%E6%AC%BE%E4%BD%99%E9%A2%9Dfr=qb_search_expie=utf8 \t _blank 贷款余额比率必须大于100%（房地产企业可大于80%）；净资产与年末 HYPERLINK /search?word=%E8%B4%B7%E6%AC%BE%E4%BD%99%E9%A2%9Dfr=qb_search_expie=utf8 \t _blank 贷款余额比率=年末 HYPERLINK /search?word=%E8%B4%B7%E6%AC%BE%E4%BD%99%E9%A2%9Dfr=qb_search_expie=utf8 \t _blank 贷款余额/净资产*100%，净资产与年末贷款余额比率也称 HYPERLINK /search?word=%E5%87%80%E8%B5%84%E4%BA%A7%E8%B4%9F%E5%80%BA%E7%8E%87fr=qb_search_expie=utf8 \t _blank 净资产负债率。2、 HYPERLINK /search?word=%E8%B5%84%E4%BA%A7%E8%B4%9F%E5%80%BA%E7%8E%87fr=qb_search_expie=utf8 \t _blank 资产负债率必须小于70%，最好低于55%； HYPERLINK /search?word=%E8%B5%84%E4%BA%A7%E8%B4%9F%E5%80%BA%E7%8E%87fr=qb_search_expie=utf8 \t _blank 资产负债率= HYPERLINK /search?word=%E8%B4%9F%E5%80%BA%E6%80%BB%E9%A2%9Dfr=qb_search_expie=utf8 \t _blank 负债总额/ HYPERLINK /search?word=%E8%B5%84%E4%BA%A7%E6%80%BB%E9%A2%9Dfr=qb_search_expie=utf8 \t _blank 资产总额*100%。二、 HYPERLINK /search?word=%E5%81%BF%E5%80%BA%E8%83%BD%E5%8A%9Bfr=qb_search_expie=utf8 \t _blank 偿债能力：3、 HYPERLINK /search?word=%E6%B5%81%E5%8A%A8%E6%AF%94%E7%8E%87fr=qb_search_expie=utf8 \t _blank 流动比率在150%~200%较好； HYPERLINK /search?word=%E6%B5%81%E5%8A%A8%E6%AF%94%E7%8E%87fr=qb_search_expie=utf8 \t _blank 流动比率= HYPERLINK /search?word=%E6%B5%81%E5%8A%A8%E8%B5%84%E4%BA%A7fr=qb_search_expie=utf8 \t _blank 流动资产额/流动负债*100%。4、 HYPERLINK /search?word=%E9%80%9F%E5%8A%A8%E6%AF%94%E7%8E%87fr=qb_search_expie=utf8 \t _blank 速动比率在100%左右较好，对中小企业适当放宽，也应大于80%； HYPERLINK /search?word=%E9%80%9F%E5%8A%A8%E6%AF%94%E7%8E%87fr=qb_search_expie=utf8 \t _blank 速动比率= HYPERLINK /search?word=%E9%80%9F%E5%8A%A8%E8%B5%84%E4%BA%A7fr=qb_search_expie=utf8 \t _blank 速动资产额/流动负债*100%； HYPERLINK /search?word=%E9%80%9F%E5%8A%A8%E8%B5%84%E4%BA%A7fr=qb_search_expie=utf8 \t _blank 速动资产= HYPERLINK /search?word=%E8%B4%A7%E5%B8%81%E8%B5%84%E9%87%91fr=qb_search_expie=utf8 \t _blank 货币资金+ HYPERLINK /search?word=%E4%BA%A4%E6%98%93%E6%80%A7%E9%87%91%E8%9E%8D%E8%B5%84%E4%BA%A7fr=qb_