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1、TheloanreviewofYiligroupAcompanywanttodevelopwell,itmusthaveadequatecapitaltosupportitsoperationsactivitiesandinvestment.Butthecapitalofacompanyislimited,theyusuallyneedtogettheloanfrombanksorotheronewhowanttoinvestandhavealotofmoney,butthelendersmustestimatethecompanyroundlyandcarefully,because
2、thereisrisksthatlendersmaybelosttheirmoney.Now,InnerMongoliaYiliIndustrialGroupwanttogetloanfrombank,thebankwillestimateitandthen,decidethatwhetherloantoit.Part1.introductionoftargetenterprise.InnerMongoliaYiliIndustrialGroup(wesimplycallitasYiligroup)isthefirstplacecompanyindairymarketofourcoun
3、ty,itsprimarybusinessistomakedairy.eventnoughthecompetitionismoreandmorefierceatpresent,italsotakesupalargeofmarket.itsadvantagesarenonnegligible.Thepresidentsituation：From2010to2013,thesalesandprofitfromprincipaloperationsofYiligroupincreasecontinually.Generallyspeaking,Netcashflowfromoperation
4、sandtotalassetsincrease.Netcashflowfrominvestingactivitiesisnegativenumberanddecrease,totalliabilitiesalsoincrease.Netcashflowfromfinancingactivitiesincrease,stockholders’equityalsoincrease.Inwords,theassetsincreasedgradually,capitalaccumulatedcontinually,Yiligrouphasapositivefinancialsituation.
5、Guaranteecondition:Pulishmentandbadrecords:Yiligroupdesn’thaveanybadrecords,sowecanthinkithasagoodreputation.Part2.financialstatementanalysisIfwewanttoestimateacompany,theirfinancialstatementisnecessary.therearemuchinformationaboutthepointwhichthelenderspaymoreattentionto,thatisthefinancialcondi
6、tion.Especially,theratioanalysisisveryimportant,so,weselect6ratios(3fromthebalancesheetand3fromthecashflowstatement)toanalysis.Ratiosfrombalancesheet:1.leverageratio:leverageratio=totalliabilities/totalassetsItreflectshowmuchofthetotalassetswascomefromborrowmoney.Theratioisacomprehensiveindexoft
7、heevaluationofcorporatedebtlevel.Standinginthepositionofcreditors,theyhopetheleverageratiowillbelow,becauseitmeansloanwillnothavetoomuchrisk.Operatorshopethedebtassetratiobehigher,theyexpandthescaleofproductionandopenmarketb
