Research On Optimization Of Due Diligence Report Of A Bank Before Loan

China has accelerated the pace of social and economic construction.At the same time,the Chinese government encourages the innovative development of small and medium-sized enterprises,and it also grants a liberalization policy to small and medium-sized enterprises.It is a good opportunity for the development of small and medium-sized enterprises in China,and also for Chinese banks.The standardization of loan regulations puts forward requirements.This article takes the loan of Company W as an example to analyze the problems such as the lack of financial data,the unreasonable use of financial indicators,and the incomprehensive contents of the investigation report when A Bank conducts due diligence on bank loans.The purpose of this paper is to study the main purpose of A bank's pre-debt due diligence report,and to help our country resolve the same type of pre-lending due diligence report issues,optimize our country's bank loan application report writing plan,and make the investigation report rigorous,scientific,and rational.Aspect requests for reference.This article begins with the current status of the due diligence report of A bank lending,and conducts in-depth discussions through the major issues existing in A bank.The first is the use of financial indicators.The indicators used in the pre-loan due diligence report of Bank A are not representative,and some indicators have no significant practical significance and cannot clearly demonstrate the financial status of the company.Then in A bank's pre-loan due diligence report,detailed analysis of the company's operating capabilities was lacking.In addition,the long-term solvency of the company and the profitability quoted by the company are the same.There is no reference value.In addition,the investigation report is not reasonable when selecting a loan,and lacks a number of data,especially regarding the selection of solvency indicators.This will not reflect the company's asset-liability ratio and the trajectory and speed of capital flows in the short term.The ratio can not be linked to the company's profitability.In the report,there is no in-depth analysis of the financial status of the company.Only simple financial data are listed in the report.There is no in-depth analysis of these data and corresponding conclusions have been drawn.The optimization method adopted in this paper's pre-debt due diligence report on Bank A mainly focuses on the shortcomings in the A bank's pre-debt due diligence report,starts with corporate financial factors and non-financial factors,and analyzes the current profitability of company W as well as the company's profitability.Profitability,which leads to the actual solvency of the company.After the improvement,the analysis of financial factors mainly starts with the current assets of the company,its operating capabilities,and profitability.For non-financial factors,the analysis will be conducted from the aspects of corporate management status,enterprise cost control,enterprise product market development potential,and industry-affiliated risks.Ensure that the accuracy,objectivity,and comprehensiveness of the report are taken into account in the optimization of the pre-lending bank report.This paper adopts a questionnaire survey of relevant professionals to analyze the problems existing in the original investigation report,so that the optimized investigation report can more objectively disclose the current operational risks of the company so that the bank can objectively and fairly handle the loan of the enterprise.request.