What Is a Loan Sale?
The loan-to-sales ratio refers to the ratio of corporate sales to bank loans over a period of time. Reflect how much sales a dollar loan achieves, or the turnover rate of the company's loan operation [1] . Therefore, the loan sales rate indicator is a primary indicator for assessing the operating efficiency of corporate loan funds.
Loan sales ratio
Right!
- The loan-to-sales ratio refers to the company's sales and
- Loan sales ratio = total sales revenue × capital loan ratio / average loan occupation
- Loan sales ratio
- Therefore, the loan sales rate indicator is a primary indicator for assessing the operating efficiency of corporate loan funds.
- The capital loan ratio in the formula refers to the ratio of the company's working capital loan to the company's total working capital. Multiply the total sales income of this enterprise with this indicator to explain the corresponding labor results of bank loans.
- The loan sales rate is evaluated based on the enterprises affiliated to each material production department. The sales revenue of enterprises affiliated with different departments has different characteristics. When a bank comprehensively analyzes the sales ratio of liquidity loans, it is necessary to reflect it by department first, and then integrate it into the bank's loan sales ratio index. The specific method is to calculate the weighted average of the sales ratio of corporate loans. [1]
- Comprehensive loan sales rate = (A × F) / A
- Aaverage loan balance;
- F-loan sales ratio.
- The significance of the above formula is that banks need to increase the comprehensive sales rate of loans. On the one hand, they must increase the sales rate of corporate loans. On the other hand, they must expand loans to products, enterprises and industries with high loan sales rates. Of specific gravity.