Banks How do banks investigate small businesses?

The bank's loan process for small businesses is very complex and strict. Each declaration, investigation, review information and attachment materials must be stapled in a thick book. These are all stipulated by the system, so I won’t go into them as they are boring. Here I will just talk about what banks mainly look for in on-site surveys of small businesses, and what do they value? Small businesses are different from large businesses in that their accounts are not sound and their financial accounting is not standardized. It is difficult to make a correct judgment simply by analyzing their statements. In order to obtain bank credit support, companies often "package" the information provided by banks. Experienced bank account managers conduct on-site investigations of small businesses, mainly observing some scene details. They are good at discovering risk points from details and making intuitive judgments about risks.

1. Look at the house. From the area and geographical location of real estate facilities such as factories, workshops, warehouses, etc., we can basically roughly estimate their value and ease of realization.

2. Look at the environment. The factory is planted with flowers and grass, and the elegant environment shows that the enterprise is profitable. If the flower bed has not been taken care of for a long time, it means that the business experience is not in good condition. It means that the owner has no money and no mood to take care of it. In this regard, small businesses respond very directly, unlike large companies. The more internal crises occur in large companies, the more they make the company more glamorous and have frequent media activities.

3. Check hygiene. The windows everywhere from the office area to the production area are bright and clean, which shows that the company pays attention to details and has good management.

4. Watch the doorman. If you can enter the factory without greeting the boss, registering or hanging a sign, it means that the enterprise management system is not sound or the system is not strictly enforced. Therefore, it is not a bad thing for bank presidents and managers to be rejected several times.

5. Look at the electricity meter and water meter to determine their operation status.

6. Check the work situation at night. Determine whether it is sufficient to start work.

7. Look at the warehouse inventory structure and the entry and exit of trucks.

8. Look at slogans, columns and entertainment facilities to judge the status of corporate culture construction. An enterprise without "culture" has no future.

9. Look at the equipment process, sewage and smoke emissions, and whether there are any risks in industrial policies and environmental protection regulations.

10. Look at the owner’s conversational temperament. This is the most important and difficult to identify, and it must be judged based on all aspects of "word of mouth".

Companies in different industries have their own characteristics and need to pay attention to some unique details. These sporadic details are mutually corroborated with written materials and peripheral investigations, which are helpful for decision-makers to accurately judge the true status of the company.

In any investigation, you must pay attention to details. Details sometimes determine success or failure. We must see through the phenomenon to see the essence.