Company Loan Instructions

How to write a report on the use of ADB loan funds

How to write a report on the use of ADB loan funds

The report on the use of loan funds is the bank’s tracking and management of the loan. It is a general official document.

Title: Report on the Usage of the Company's Loan from the Bank. Then, write down the project or company operation for which the loan was used, and whether it is operating well. Of course, it is very good. This is also a statement that the bank needs to see.

For example, for a project loan, the project is being carried out effectively, it is expected to be completed in a long time, whether it can achieve the expected results after completion, etc., so that it feels that the loan risk is small, and for a working capital loan, write that the company has the With the loan, the funds are functioning well, the company's logistics and capital flow have been greatly improved, and inventory, operations, sales costs and other benefits have been reduced. Also, make it feel like the loan is safe. In fact, if you just ask the bank to give you a template, you may be able to get it.

3 sample loan application reports

Loans refer to funds borrowed by enterprises from financial institutions such as banks and other units, including credit loans, mortgage loans and trust loans, etc. Borrowing can also refer to funds borrowed by someone from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans, trust loans, etc. This article is a sample loan application report that I compiled for everyone, for reference only.

Sample loan application report Part 1:

Dear:

Hello, I am XXXX employee XX. I joined Tiefulai in XX month of XXXX year. Over the past year, under the influence of the company's strong corporate culture, under the guidance of all leaders, and with the care and support of Tiefulai's family members, I have continuously improved my shortcomings and learned business knowledge, allowing me to grow from a young boy with nothing to do. For today's business elite. I deeply feel that XXX is not only a company where I work, but also a school for lifelong learning. I have long regarded Tiefulai as my home. Thank you XXX for your selfless help!

Fate came so suddenly, without any prelude. At the beginning of this year, I met a girl from my hometown through the introduction of my relatives. After several contacts and understandings, we both felt that it was too late to meet each other. We also recently got engaged under the arrangement of two families, and the wedding date is also Coming soon.

However, marriage is beautiful, and it also requires me to face the reality before marriage. I grew up in a single-parent family. My father raised me alone on the few acres of thin farmland at home. Last year, my father borrowed XX million yuan from friends and relatives to build a new house at home. I watched my father work hard. I don’t want him to worry more about my marriage, and I don’t want him to add a few more silver strands to his gray hair on the temples.

Therefore, I want to borrow XX million yuan from the company to do my best to reduce my father’s burden and give my marriage a good start. I sincerely ask the leader for approval! From now on, the company will contribute to my salary every month XXX yuan will be deducted from the amount as the monthly repayment amount.

Please seriously consider my application. Regardless of whether the leader approves it or not, I will work hard, be proactive, and fight bravely for the platform given to me by the company, for myself, and for my family!

XXXXXXXX

XX, month XX, year XX

Sample loan application report 2:

Bank:

Food Engineering Co., Ltd. was founded in XX and has a history of more than 6 years. The company mainly processes rice products, solid beverages, and prepackaged foods. Strictly improving the systematic management system ensures that the company can continuously and stably produce various series of high-quality products, and continuously innovate to enhance corporate competitiveness.

The company has obtained a food hygiene production license, and its products are sold to more than 20 provinces and cities across the country and are used in the food industry. At present, product prices have increased to a certain extent, and demand exceeds supply, and the company's profitability has significantly improved. .The company currently has 120 employees, including 20 professional and technical personnel of various types. The registered capital is 1.2 million yuan, the annual sales can reach 18 million yuan, and the annual tax is 500,000 yuan. The company's development has entered a new round of rapid development and a new platform.

The improving market in 2011 created rare development opportunities for the company. The company decided to tap the potential of equipment and transform new technologies at the same time to expand production capacity to meet the growing market demand. The prices of main raw materials have increased significantly this year. At the same time, the company expects sales to increase in the second half of 2011. The raw materials in stock cannot meet the production demand after the expansion of production capacity. It needs to increase working capital to expand raw material inventory and ensure production. Therefore, I would like to borrow five hundred thousand yuan (500,000 yuan) from your bank to purchase raw and fuel storage materials. The company uses the increased revenue from new sales as the source of repayment, and the loan period is half a year (6 months). I hope your bank will provide credit and loan support to our company and help our company achieve new development! Sincerely yours

Best wishes!

Applicant:

Loan application report Model article three:

Mianyang Investment Holding (Group) Co., Ltd.:

In November XX, our company visited farmers in Jina Qiang Village, Maoershi Village, Leigu Town, Beichuan Qiang Autonomous County In the permanent housing project, we undertook part of the mortar rubble retaining wall sub-project. Now our company has completed all the projects as required, with a total project volume of about 6,200 cubic meters and a total project cost of more than 2 million yuan. During the construction process, our company has borrowed 600,000 yuan of project funds from your company.

Due to the short construction period and large workload of this project, our company has incurred a large amount of advance payments. Now our company must pay all the wages, material fees, machinery fees, etc. of all migrant workers in this project. Due to the completion of this project The settlement has not been audited as required, and our company is in urgent need of paying the above project costs. We hope that your company will lend our company another 800,000 yuan (eight hundred thousand yuan) for the project to cover the corresponding project costs.

Thank you!

Borrowing unit: Mianyang Hongda Construction Engineering Company

Enterprise loans require an audit report. How should this step be performed?

Enterprise loans require an audit report. How should this step be performed?

Enterprise loans require an audit report, which can be issued by a professional certified public accountant. The basic process is to cooperate with the accountant to provide financial information and information to indicate the purpose of the audit report. Because most banks require the issuance of audit reports, most of which are annual report audits for three consecutive years, it is necessary to ask the bank's needs clearly, convey them clearly to the accountant, and issue an audit report for bank loans.

Because the company does not have professional financial personnel, the financial information is relatively confusing. Under this premise, it is necessary to discuss the audit report with the certified public accountant, explain the current company situation straight to the point, and indicate the importance of the loan. , so that the accountant's report will be objective, accurate and reference-oriented, which will help the bank loan approval.

Loan audit is provided to banks to review whether the enterprise meets the loan conditions required by the bank and to conduct a special audit on the use of the loan. The audit report not only expresses audit opinions on the accounting statements, but also expresses opinions on the business management status, financial status, loan usage, etc. It is an indispensable basis for banks to avoid loan risks and for enterprises to demonstrate their operating conditions.

Do loan companies need to provide audit reports to banks every year?

All banks will require audits, so that even if a company encounters a credit crisis, the bank can evade the fact that the relevant risks are not shown in the audit report.

How much annual loss does a company need to provide a tax audit report

Generally:

Income tax settlement, the audit report is made by an intermediary agency, and it is carried out in accordance with relevant regulations . The amount of losses in 2008 does not prove that the annual calculations made by the unit are correct and in compliance with regulations. Therefore, this cannot be used as a reason for not making an audit report.

Please refer to

Which companies need to provide audit reports for annual inspections?

The following companies are required to submit audit report information when applying for annual inspections (Gu Bang Enterprise Firm):

(1) One-person limited liability companies, listed joint-stock companies and companies engaged in finance, securities, Futures companies;

(2) Companies engaged in insurance, venture capital, entry-exit intermediaries, and overseas labor service agencies;

(3) The registered capital is not paid in full in installments Fully paid companies;

(4) Companies that have committed illegal acts of falsely reporting registered capital, making false capital contributions, or evading capital contributions within three years.

What kind of enterprises need to provide audit reports for industrial and commercial annual inspections

I don’t remember them all, but the three most impressive ones are:

First, the registered capital is not in place, and the installments are For injection, an audit report must be provided;

The second is a sole proprietorship, which must provide an audit report every year;

The third is a private non-profit enterprise school, training school, each must provide Audit report.

The above three situations are all situations I encountered when I was working as an accountant. For reference.

Is an audit report required for the annual industrial and commercial inspection?

1. Annual industrial and commercial inspection is not required, but the company’s annual report must be published. 2. The State Administration for Industry and Commerce issued a notice to formally stop the annual inspection work of enterprises

On February 19, the State Administration for Industry and Commerce issued a notice to formally stop the annual inspection work of enterprises from March 1, 2014, requiring all levels to The industrial and commercial authorities are stepping up preparations for the implementation of a series of new systems such as the corporate annual report disclosure system.

The notice states that the "Registered Capital Registration System Reform Plan" released by the State Council will change the enterprise annual inspection system to the enterprise annual report disclosure system. Accordingly, the General Administration decided to stop imposing restrictions on limited liability companies, joint stock limited companies, unincorporated legal persons, partnerships, sole proprietorships and their branches that have obtained business licenses, and foreign companies engaged in business activities in China starting from March 1, 2014. Annual inspection work of (regional) enterprises and other business units.

So there is no need for an annual industrial and commercial inspection, but the company’s annual report must be published.

Do foreign-funded enterprises need to provide an audit report for the joint annual inspection?

Yes, the financial audit report for 2013 needs to be provided

Follow up

See Newspapers and others say it is encouragement, not mandatory

Banks need annual inspections and audit reports! What is an audit report? Please help!

The audit report is a report issued by an accounting firm after auditing the accounting statements submitted by the company to the outside world. If not, just ask an accounting firm to audit and issue a report.

Corporate Bank Loan Application Report

Project Loan Application

XXX Bank:

XXX factory is preparing to build XXX project with annual output, total investment XXX million yuan, self-raised capital of XXX million yuan, apply to your bank for a 3-year long-term project loan of XXX million yuan; short payment of XXX million yuan.

XXX factory is affiliated to XXXX and has independent legal person status. The legal representative is XXX and the registered capital is XXX million yuan. The company is located in XXX, XXXX Industrial Zone, with Beijing-Shenzhen Expressway in the east and Shitai-Taiwan Expressway in the south. X has convenient transportation and a very advantageous geographical location. 1. Enterprise situation

XXX Factory was founded in XXX. It is a modern large-scale cement manufacturing enterprise. It is a backbone enterprise in the national building materials industry and a backbone township enterprise in XX Province. The company currently has XXX production lines and annual output of XXXX production lines. All indicators have reached the domestic advanced level. The company's existing total assets are XXX billion yuan (including fixed assets of XXX billion yuan), total liabilities of XXX billion yuan, and the asset-liability ratio. There are more than XX employees, including XX managers, XX professional and technical personnel, and XX laboratory testing personnel.

The company has excellent hardware equipment, advanced production technology, and strict software management measures.

The system is sound, the management is perfect, and internal control indicators that are more stringent than national standards have been formulated. The quality of cement products is stable, and it has passed ISO9001, ISO14001, and other system certifications. The products have won honors such as "XXX", "Consumer Trustworthy Product", "XXX", "XX", and "National Inspection-Free Product". The company has successively won the titles of "Consumer Trustworthy Unit", "XXX Integrity Unit in 2003", and "National Quality Integrity Advanced Demonstration Enterprise in the Building Materials Industry". The company's main sales area is Enterprise products have been in short supply since 2007. 2. The necessity and significance of project construction

(1) Since 2007, XXX City has stepped up its pace of industrial structural adjustment, focusing on the elimination of backward production capacity XXX. By February 2009, XXX Factory XXX has been completely demolished, which directly caused more than 300 workers to lose their job opportunities. In order to ensure the social stability of the region and solve the re-employment problem of workers, we have prepared to build the XXX project production line. This XXX enterprise will provide them with the greatest possible Work and life security will also be conducive to social stability in the region.

(2) Our country is in a period of rapid socio-economic development of reform and opening up, which has led to the rapid development of the city's cement and building materials industry. However, as the pace of adjustment of the city's cement industry structure continues to accelerate, XXX enterprise has entered a period of transformation. Provides good conditions and opportunities for the project. The project was completed and put into operation in line with Article 13 of the 10th Building Materials Category "Technological Development and Production of High-Performance Concrete Admixtures" in the National Development and Reform Commission Order No. 40 "Industrial Structure Adjustment Guidance Catalog (2005 Edition)"; 26 Item "Environmental Protection and Conservation Comprehensive Utilization" Article 18 "Comprehensive Utilization and Treatment Project of Three Wastes", Article 41 "Utilization of Tailings Industrial Waste Residues".

(3). Through understanding of relevant national policies and our inspection and analysis, this project is in line with national industrial policies and can further optimize XX’s industrial institutions and promote the development of the local economy. The completion of this project , it will produce good social benefits in terms of resettlement of unemployed people. Therefore, the project is proposed for sufficient reasons and is very necessary. After the completion of this project, it will further promote and realize the industrial structure adjustment of the cement industry in surrounding areas. The construction of this project is in line with the national industrial structure policy.

Loan application reports

It is generally written like this. First write down the basic information of the company, that is, when it was established, registered address, registered capital, and business scope; and then introduce the company’s recent history. 3 years of operating conditions (it’s best to blow it up); Let’s talk about the purpose of the company’s loan. The loan will bring a great boost to production in the future. However, due to the recent rapid development of the company, the liquidity is a bit tight, which makes the bank feel Your company's prospects are very good. After the loan, your company has great repayment ability. Finally, let's look forward to the company's future and so on.

Sample essay

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Investigation report on XX Company’s loan application

1. Overview of the borrower

1. Basic situation

XX Drive Axle Co., Ltd. is located in Anren, XX County Road, founded in May 1957, officially switched to the production of drive axles in 1979 and was renamed XX County Drive Axle Factory. After more than 20 years of development, it has become one of the three major enterprises specializing in the production of drive axles in my country. In March 2003, it was merged by Ningbo BB Group and Jiangxi XX Drive Axle Co., Ltd. was established. BB Group held 70 shares and the original factory management personnel held 30 shares.

The new company will transfer the entire assets of the drive axle plant based on its net assets in a debt-bearing manner.

After the new company was established, the registered capital was 10 million yuan, all of which was contributed in cash, of which: Ningbo BB Group Co., Ltd. should contribute 7 million yuan (the actual capital contribution was 9.13 million yuan, of which 2.13 million yuan was lent to other shareholders to Jiangxi Province The investment amount of XX Drive Axle Co., Ltd. (raised)) accounts for 70% of the registered capital; Fu Zhangqing should contribute 1 million yuan (actual contribution of 180,000 yuan), accounting for 10% of the registered capital; Zhang Fengyi should contribute 550,000 yuan (actual contribution) Contribution of 100,000 yuan), accounting for 5.5% of the registered capital; Xi Laru should contribute 400,000 yuan (actual contribution of 60,000 yuan), accounting for 4% of the registered capital; Liu Jianmin should contribute 150,000 yuan (actual contribution of 50,000 yuan), accounting for 4% of the registered capital 1.5% of the capital; Yan Gaoya should invest 900,000 yuan (actual investment is 480,000 yuan), accounting for 9% of the registered capital; all capital funds are in place. Legal representative Zhou Cimei has 683 employees, including 58 engineering and technical personnel. The factory covers an area of ??100,000 square meters and the production building area is 27,000 square meters.

2. Enterprise production situation

Jiangxi XX Drive Axle Co., Ltd. is the designated factory of the Ministry of Machinery to specialize in the production of engineering machinery drive axles. The company's leading product "Benz" brand drive axle is mainly used in loaders, road rollers, graders, forklifts and other engineering machinery fields. The product performance and price ratio are reasonable. It now has 7 major series and more than 90 deformed products, with an annual output of various types of engineering machinery. There are 7,000 sets of drive axles, among which ZL20, ZL15, and ZL30B drive axles are ministry-quality and provincial-quality products respectively. The company's products are mainly divided into two parts. One is the loader drive axle, with product models ZL15, ZL30, ZL40, and ZL50, which accounts for about 25% of the national sales market; the other is the road roller drive axle, with product models PS50 series and PS75 series. , this product accounts for about 50% of the national sales market.

3. Manager quality

The company’s leadership team consists of ***7 people, including 1 general manager, 3 deputy general managers, 1 assistant manager, and 1 trade union chairman. There are 1 member of the Board of Supervisors, 1 expatriate manager of BB Group, and 4 people with senior professional titles. The team is politically firm, united, has a high sense of professionalism and responsibility, has a strong spirit of reform and pioneering and enterprising, and has high organizational ability and In terms of leadership and decision-making level, General Manager Fu Zhangqing is the former director (senior engineer) of XX Drive Axle Factory. He has been engaged in drive axle production for nearly 20 years and has a strong professional level. The comrade has good conduct, is honest in government, hard-working and has a certain degree of personal charm.

2. The borrower’s production, operation and economic benefits:

As the country has increased its efforts in infrastructure construction, from 2001 to the present, the company has continued to carry out technical reforms and increase production intensity. , its products are still in short supply. Sales revenue in 2000 was 39 million yuan, sales revenue in 2001 was 47 million yuan, sales revenue in 2002 was 72 million yuan, and sales revenue in 2003 was 100.72 million yuan. Sales revenue has increased in the past three years. The rates were 20.5, 53.19, and 39.89 respectively. In 2000, the company's total profit was 24,000 yuan. In 2001, the company's net profit was 25,000 yuan. In 2002, the company's net profit was 250,000 yuan. In 2003, the company's net profit was 2.42 million yuan. Yuan. The company's net profit growth was slow in the first three years, mainly due to the company writing off many historical bad debts.

Enterprise production is generally made to order. At the beginning of each year, construction machinery vehicle manufacturers sign orders for the annual demand for drive axles. The company's general sales season is the second to third quarter, but in recent years, due to product supply exceeding demand, the response to sales seasonality has not been strong.

The company's sales model is direct sales to construction machinery and vehicle manufacturers without going through sellers. The business cycle is generally about 2 months.

The main suppliers are: Sanjiu Yigong Biochemical Co., Ltd., Changzhou Forestry Machinery Factory, Zhengzhou Engineering Machinery Factory, Yellow River Engineering Machinery Factory, Xiamen Engineering Machinery Comprehensive Factory, Changzhou Engineering Machinery Factory, Southern Hydraulic Engineering Machinery Factory, Chaoyang Engineering Machinery Co., Ltd., Yantai Engineering Machinery Factory, Tianjin Municipal Engineering Machinery Factory, Shanghai Urban Construction Machinery Factory, Sanming Heavy Machinery Factory, Luoyang Construction Machinery Factory, etc.; we have established stable relationships with large engineering machinery companies in Shanghai, Zhejiang, Shandong, Fujian, Hunan and other Business dealings and collaborative relationships. The development of the enterprise is showing a strong growth trend; as the country further increases investment in infrastructure construction and implements the Western Development Strategy, the market space for engineering machinery drive axles is huge.

3. Financial status of the borrower

1. The main financial indicators of the company in the past three years

Table

According to the analysis of the above table :

(1) Borrowing situation: short-term borrowing of 24 million yuan (county ICBC 23.1 million yuan, no other bank intervened).

(2) The company's operations and management are normal, except that the asset-liability ratio is slightly high, but sales revenue has grown rapidly, and in 2003 it achieved a net profit of 2.42 million yuan.

(3) From the analysis of the company's current ratio and quick ratio, the company has strong short-term solvency.

Overall, the company's operations and management are normal. With the continuous strengthening of internal management, the company's profitability has been further improved and its ability to resist risks has been continuously enhanced.

2. Development situation

In 2004, the company has signed production orders for 8,600 sets of drive axles. It is expected to achieve sales revenue of 150 million yuan and profits and taxes of 10 million yuan, of which 600 yuan in taxes will be realized. Ten thousand yuan, with an after-tax profit of 4 million yuan.

IV. The relationship between the company and our bank:

This company has long-term credit business with the XX County Branch of the Industrial and Commercial Bank of China. Its basic account is with the Industrial and Commercial Bank of China, and no other financial institutions are involved. Among them The loan from ICBC is RMB 24 million, with good credit standing and has never been overdue. ICBC has given it an AA credit rating.

Our bank has had discount business with this company for a long time, and the cooperation between the two parties has been quite pleasant. In 2003, due to the government's increased efforts to attract investment, our bank paid close attention to the company's merger situation, and after its success, After the merger of Ningbo BB Group, our bank formulated a marketing plan in a timely manner. With the strong support of the superior bank, our bank conducted multi-party marketing through the group company and local company managers. Our bank's good services made the company willing to enter into a credit relationship with our bank and become our bank's basic customer.

5. Loan Necessity and Feasibility Analysis

If the loan is successfully issued, it will not only successfully allow the enterprise to become a basic customer of our bank, but also increase public deposits by approximately 400 Ten thousand yuan, the daily average balance will reach more than 2 million yuan, and at the same time, it will bring more than 10 million yuan of settlement business to our bank every year, generating direct economic benefits of up to 10,000 yuan. In addition, because the company is located in the county seat of our county, our bank can also obtain the company's salary distribution rights, and pay nearly 6 million yuan in wages every year, which can add nearly 2 million yuan in savings deposits every year. Since the company is one of the three leading enterprises in our county locally, it will further expand our bank's local influence. At the same time, the company has good development prospects, which will further improve our bank's credit capital and credit structure and diversify our bank's influence. Reduce the bank’s credit risk and improve our bank’s profitability. The non-performing loan ratio of our bank will decrease by 2.25, and the non-performing loan ratio will be 7.81, laying a certain foundation for our bank's future competition.

VI. Loan guarantor analysis

The guarantee for this loan is jointly and severally guaranteed by Ningbo BB Group Co., Ltd., one of the eighteen large enterprise groups that Ningbo City focuses on cultivating. One of them is a five-star enterprise in Ningbo City. The company has entered the top 500 private enterprises in China and the top 500 auto parts industry in the world. XX County Drive Axle Co., Ltd. is a subsidiary company of Ningbo BB Group.

Ningbo BB Group Co., Ltd. has total assets of more than one billion yuan, the company's legal representative is Zhou Cimei, and the company's registered capital is 100 million yuan.

It has twenty-seven branches, and its main products include automobiles, special equipment, auto parts, electronic products, aquatic products, and large and medium-sized precision molds. Each subsidiary company of the group passed ISO9000 certification in August 1997, passed the international automobile manufacturing standards QS9000 (USA) and VDA6.1 (Germany) certification in 1999, and passed the acceptance of the CIMS project of the National 863 Plan in October 2000. and appraisal, and passed TS/16949 certification in April 2003. Ningbo BB Electronics Co., Ltd., a subsidiary of its group company, has been approved by the China Securities Regulatory Commission and will be listed in 2004.

Ningbo BB Group is a basic customer of the Xiangshan Branch of the Bank of China. The Bank of China’s credit rating for the company is AAA.

VII. Conclusion

Agree with the The company issued a short-term working capital loan of 30 million yuan with a term of × year and an interest rate of 5.31. Ningbo BB Group Co., Ltd. provided a joint liability guarantee.

How to write a corporate loan application report?

For corporate loan applications, banks have a fixed format, most of which are printed. Because loan mortgage forms are different, banks are very particular about the content. Also perfect. If it is an intended application required by a bank, we can prepare it for you now:

Loan application

XX Bank:

Our company was established on XX year, month and day. What type of enterprise is it, mainly engaged in XXX (written according to the business scope of the business license), with a registered capital of XX million yuan, and an annual sales income of XX million yuan. Due to the expansion of reproduction, the liquidity bonus is insufficient. After research and decision by the company, a company with a value of XX million yuan I am applying for a working capital loan of RMB XX million from your bank as collateral for the property and equipment, with a term of one year, all of which will be used for the purchase of raw materials. Our company will repay it in one lump sum with sales revenue upon maturity.

Hereby apply

XX company

Year, month and day