How to analyze financial statements in financing guarantees

This has nothing to do with zero tax returns, which generally require a balance sheet, income statement, and cash flow statement, which are related to the funds generated by your company's operations, such as costs, daily expenses, bank receipts and expenditures, etc. Make a general ledger of these data, and then fill in the financial statements as required. Raid.

Accounting refers to the realization of accounting treatment for the collection, sorting, recording, calculation, settlement and other specific affairs of accounting treatment of original documents, which requires standardization and accuracy, to ensure the effective implementation of accounting, accounting supervision and accounting standards.

The principle of cash balance refers to the implementation of the cash system in financial management, rather than the accrual system, which objectively requires that in the process of financial management, cash income (inflow) and cash expenditure (outflow) in the quantity and time to achieve a dynamic balance, that is, cash flow balance.

The basic method of maintaining a cash balance is cash budget control. The cash budget can be said to be a comprehensive balance of financing plan, investment plan and distribution plan, so cash budget is an effective tool for cash flow control.

The principle of return risk refers to the fact that in the process of financial management, in order to obtain benefits, you always have to pay costs and face risks, so costs, benefits and risks are always related to each other and mutually controlled.

Accounting Measures for Guarantee Enterprises Issued by the Ministry of Finance Detailed account setting and reporting formula.

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The core content of loan risk classification is the possibility of loan repayment, and the borrower's ability to repay is the main factor to determine whether the loan can be repaid. The financial analysis carried out in the loan classification must include the following two aspects.

The financial statements are used to evaluate the borrower's business activities.

Analyze a borrower's ability to service their debts using financial ratios.

Cash flow is the main repayment of the loan**, and the main indicator of the borrower's ability to repay is whether the borrower's cash flow is sufficient. In the loan classification, the main purpose of analyzing whether the borrower's cash flow is sufficient is to analyze whether the cash flow generated by the borrower's operating activities is sufficient to repay the principal and interest of the loan. When examining the cash flow, it is necessary to prepare a cash flow statement, conduct a structural analysis of the borrower's cash flow, determine whether its cash flow is derived from operating activities, financing, or investment, and understand the income of the borrower's various business activities during the current period from the cash flow statement.

To judge the final repayment ability of the loan, it is also necessary to observe the cash flow statement of each consecutive period, compare the amount of relevant items in each period, analyze the increase or decrease of certain indicators, and judge its development trend on this basis, and make a decision on the possible results in the future.

The calculation of each indicator is compared with the industry average, and to be honest, the guarantee industry still pays the most attention to the assets of the enterprise and the personal assets of the business owner.

Financial analysis is only a matter of face, and the statements are all watery, and to do a good job in the guarantee business, it is necessary to find out the real use of funds.