Bank financing usually needs to be submitted by the project unit Lanzhou Feasibility Study Report , or Lanzhou Business Plan Compared with project filing and approval, bank financing projects focus more on the authenticity and effectiveness of data, and pay more attention to the mutual support of data. As far as experience is concerned, the following suggestions are made.
1、 Ensure the rationality of investment estimation. The investment estimation does not require very high accuracy, and the allowable error is about ± 10%. However, the estimation subjects must be complete, and the unit prices of various types must be well documented. For example, the unit price of earthwork should be estimated as low as 20 yuan or as high as 50 yuan. The actual situation needs to be taken into account, and data cannot be simply fabricated to gather data, so as to ensure the authenticity of the data, Relevant industries follow a certain cost range.
2、 The data should have favorable support. Data support, that is, from the current market scope, the data given by the project must find the corresponding basis. For example, for a real estate project, the house sales price is determined to be 5000 yuan/㎡. The determination of this data must include the surrounding area's real estate sales market research data, and an average value is calculated according to the market research method as the sales unit price of the project.
3、 Data design should be logical. Logicality refers to the internal correlation between the data, which is relative to the overall investment and financial evaluation report. The final financial conclusion is drawn based on the basic financial logic through the link of formula, investment, cost and sales. It is forbidden to break the logical relationship of data in the process and fabricate data based on empty.
4、 The conclusion shall meet the routine requirements of business type. Whether it is in line with bank financing must be calculated. Of course, the owner asked us to prepare a financing report, and the result of the demand must be able to pass. Therefore, we must grasp the conclusion, avoid making a fool of ourselves, and submit a conclusion that is not feasible at all. For example, for common industrial projects, the payback period is required to be controlled from 5 to 6 years so far. The financial internal rate of return on investment is required to be greater than the industry benchmark return. At the same time, there are certain requirements for investment profit rate, break even point, sales profit rate, net interest rate, etc. To this end, on the one hand, we need to make judgments based on experience, and at the same time, we can properly seek the opinions of financing institutions to obtain appropriate results.
