贷款审核分析模板(英文版).doc

The loan review of Yili group A company want to develop well,it must have adequate capital to support its operations activities and investment.But the capital of a company is limited,they usually need to get the loan from banks or other one who want to invest and have a lot of money,but the lenders must estimate the company roundly and carefully,because there is risks that lenders maybe lost their money. Now, Inner Mongolia Yili Industrial Group want to get loan from bank,the bank will estimate it and then,decide that whether loan to it. Part 1.introduction of target enterprise. Inner Mongolia Yili Industrial Group(we simply call it as Yili group) is the first place company in dairy market of our county,its primary business is to make dairy.even tnough the competition is more and more fierce at present,it also takes up a large of market.its advantages are nonnegligible. The president situation： From 2010 to 2013,the sales and profit from principal operations of Yili group increase continually. Generally speaking, Net cash flow from operations and total assets increase.Net cash flow from investing activities is negative number and decrease, total liabilities also increase.Net cash flow from financing activities increase, stockholders’ equity also increase.In words,the assets increased gradually,capital accumulated continually,Yili group has a positive financial situation. Guarantee condition: Pulishment and bad records:Yili group desn’t have any bad records,so we can think it has a good reputation. Part 2.financial statement analysis If we want to estimate a company,their financial statement is necessary.there are much information about the point which the lenders pay more attention to,that is the financial condition.Especially,the ratio analysis is very important,so,we select 6 ratios(3 from the balance sheet and 3 from the cash flow statement) to analysis. Ratios from balance sheet: leverage ratio: leverage ratio= total liabilities/total assets It reflects