Corporate loan application report

First, the basic situation of the company:

The basic situation of enterprises

Xx company is mainly engaged in slaughtering of pigs, cattle and sheep, processing and sales of livestock and poultry, breeding of pigs, cattle, sheep, chickens and rabbits; wholesale and retail of metal materials, building materials, chemical products, general machinery, electrical equipment, wire and cable, Instrumentation, Wujinjiaodian, sales of automobiles, locomotives and parts; waste material acquisition and scrapping of automobile recycling and dismantling. The registered capital is XXX million yuan, and the company is a limited liability company. There are xxx employees, including xx college graduates, xx technical secondary school graduates, and xxx professional and technical personnel. Since its establishment, xxx Co., Ltd. has been rated as xxx "consumer trustworthy enterprise", xxx "heavy contract, compliance enterprise", "ten strong private enterprise", "private enterprise taxpayer", "advanced private enterprise" and "Advanced Collective of Trade and Trade"; it is one of the large-capital and key protection private enterprises in xxx, and is the leading enterprise of livestock and poultry breeding in our county.

The xxx Group has strong development potential and brand advantages. It has always been committed to the society and rewards the public with the spirit of “integrity, efficiency, pragmatism and dedication”. With the business theory of "honesty, brand, quality service, and market", the market is strong and powerful, making the company an important support for xx livestock and poultry farming and food development, and making greater development and prosperity for the local economy. contribution.

Mr. xxx, the chairman of the board, was born in xxxx year, MBA of Tsinghua University, enlisted in xxxx year x, demobilized to xxxx in xxxx year x. XXX with the spirit of advancing with the times and forging ahead, staying in business for xxxx in xxxx, leaving the current xx CPPCC Standing Committee, vice president of xx Industry and Commerce Association, vice president of xx Glory Business Promotion Association, special inspector of xx People's Procuratorate, xx Law enforcement supervisor of the Public Security Bureau, member of the xx City Hardware Chamber of Commerce. He has been honored as xx "advanced private enterprise director", "excellent member of the Federation of Industry and Commerce", "Glorious Business" and xx "off-the-job re-employment star". Xxx is an entrepreneur who talks about integrity, good management, management, and hard work. Under his leadership, xxxxx Co., Ltd. continuously introduces advanced modern enterprise system, consolidates the foundation of enterprise management, builds a good corporate culture, adheres to the management policy of “quality, efficiency, integrity, service to customers” and “quality is gold, service” It is the business tenet of "Heart", unite and fight, keep up with the times, and constantly strive to expand to new breadth and depth, and build a team of employees with high professionalism, efficient and innovative spirit, and efficient team spirit. As a leader, we will create a brand of “xx brand assured meat”, create a first-class product that is beyond the times, and establish a high-quality, high-standard xx integrated enterprise.

Corporate legal person quota

The company has always been credible and abiding by the contract. At present, it has a credit relationship with the Bank of China xx Branch and the Rural Credit Cooperative xx Association. In the process of dealing with the bank, it has always paid interest on time and returned the loan principal. The contractual compliance rate with the operating customers was 100%, and was repeatedly rated by the relevant departments as a contract-honoring and credit-worthy unit. It was rated as AA-class enterprise by Bank of China xx City Branch, and Chongqing AAA Association was rated as AAA enterprise.

The company has a good operating condition, strong management ability, strong operational and profitability, high credibility and considerable development prospects. In order to expand the scale of operations, the company will develop large-scale enterprises and develop new projects, but the company has insufficient liquidity. The issuance of application project loans and short-term loans for working capital. Due to the good operating projects of the company, the benefits are good, and there is sufficient sales income and cash inflow. The company promises to repay the loans and interest of the bank on schedule. To this end, xx company has the full strength to repay your project loan and liquidity short-term loans to ensure the security of your bank loans.

Operating equipment and licenses

The company has a complete operating license. The company has a second-level livestock and poultry slaughtering and processing factory in xx urban area. It is a key enterprise for xxx pigs, cattle and sheep, but also for the acquisition and sale of pigs. It has a national standard secondary mechanized slaughter plant and advanced refrigeration. Facilities, can slaughter xx million pigs a year, xx million cattle and sheep, xxx million rabbits. It has one pig farm and one small breeder farm.

Assets and liabilities and production and operation

The company has been engaged in livestock and poultry breeding and processing, pig slaughtering and slaughtering, deep processing of livestock and poultry products and export business for more than xx years, and achieved good operating results. In 2005, the company slaughtered pigs xxxxx heads, meat rabbits x thousand, slaughtered and processed xx million heads of pigs, cattle and rabbits, annual sales of xxxx million, realized profits of xxx million yuan, and paid taxes of xx million yuan.

The company's main financial indicators in the past two years

Unit: 10,000 yuan

2004 2005

Total assets

Current assets

Fixed assets

Current liabilities

Net assets

Sales revenue

profit

debt ratio

Current ratio

Current asset turnover

ol

Total asset profit margin

The company's two-year quota level and loan principal and interest:

The Bank now has a credit relationship with Bank of China xx Branch and xxx Rural Credit Union. All of them have repaid their principal and current fund interest on schedule. They were rated AA-class by Bank of China xx City Branch and AAA by xx City Credit Union. enterprise.

2. Project loan and working capital loan forecast

Xx high quality meat rabbit production base construction project

1. Construction scale: xxx million high-quality commercial meat rabbits will be sold in the year. It is planned to build a rabbit farm, a quality commodity meat rabbit demonstration farm and a professional household xxx households in the breeding community, specifically in xx, xx, xx, xx, xx, Six immigrant towns such as xx and 8 townships in xx and xx were implemented.

2, the total investment: control in xxxx million;

3. Fundraising plan: Apply for industrial investment subsidy of XXX million yuan, self-raised xxx million yuan, loan xxx million yuan, and farmers invest xxx million yuan, subject to financial assessment.

4. Project operation mode: company + community + farmers. The company is responsible for providing rabbit breeding, technical services and recycling products.

5, xxx high-quality meat rabbit production base construction project preliminary work

On December 23, 2003, the company invested xx million yuan to bid for the xxx company in the breeding ground of xxx town xxx. The farm covers an area of ​​xx mu, including xx mu of land use rights, xx mu of house construction, and xxxx square meters of building construction area. The housing construction is mainly for breeding houses, feed processing houses and feed warehouses. It is intended to be used for the construction of xx million demonstration sites for high-quality commercial meat rabbits.

In April 2005, the company invested xx million yuan in the xxx company to add a sewage treatment facility for the management of manure water xxxx cubic meters. It was put into operation in October 2005.

In May 2005, after investing XXX million yuan to rent the original xxx winery, the company invested another 530,000 yuan to build a rabbit farm. The existing farms are home to New Zealand, California, and Belgium. The farm covers an area of ​​20 and 9 mu, and the breeding area of ​​the rabbits is xxxx square meters.

It has signed a contract for the breeding of high-quality commercial meat rabbits with x township xxxx households such as xxx and xxx.

Operating liquidity loan project

1. The company is a national second-level fixed-point slaughtering factory in xx city area. It has advanced slaughtering facilities and refrigeration equipment. With the sales of cold meat, the company has promoted the rapid development of our company's export meat products business, and its business will grow substantially. It will also bring about an increase in funding needs.

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2, the company's livestock and poultry breeding is located in xxxx town Xiadukou xxx, covers an area of ​​xx acres, operating area xxxx square meters, is xxx "company + farmers" industrialized commodity pig breeding base, mainly breeding "foreign three yuan", hybrid binary pigs. Intensive breeding of new British, foreign binary pigs xxx heads, commercial pigs xxxx long. It is proposed that the self-supporting and self-supporting scale will be xx million heads of pigs for the year. It is currently being implemented.

In order to expand the company's business volume and scale, it is urgent to inject a large amount of funds and draw up a short-term loan of XXX million yuan for applying for liquidity. The company's existing working capital of xxx million yuan, the company needs liquidity of xxx million yuan, should increase the working capital xxxx million.

The above-mentioned aquaculture project loans and the company's short-term working capital loans are all in line with the support loans of the leading agricultural industrialization enterprises of the Bank.

Third, the benefit forecast

Farming project forecast

1. This project has established a total of xx meat rabbit breeding communities, and developed xxx large-scale breeding households, which can increase the income of large households by xxx million yuan, and the average net income per household is xxx million yuan/year. At the same time, the beneficiaries of the farmers reached xxxx, including xxxx names relying on immigrants on the spot, which can increase the per capita income of farmers by xxx yuan, which has obvious effects on the income increase of farmers and immigrants.

2. The implementation of this project will also directly provide xxx jobs, which can produce resettlement xxx immigrants, and at the same time help to promote the development of local feed, veterinary drugs, animal products processing and biochemical industries, and easily form new economic growth. Point, its social and economic benefits are obvious, and it has a positive significance for cracking the xxx industry emptiness.

3. Through the overall financial evaluation of the project investment, it can realize agricultural output value of xxxxx million yuan per year, investment profit rate of 24%, financial net present value xxxx million, financial internal rate of return of 17.2%, investment recovery period of 8.4 years, loan repayment In 4.2 years, the overall profitability is better.

4. Through the development of ecological farming mode, the project promotes technical measures such as biogas utilization, biogas residue returning, and biogas slurry irrigation, which not only helps to solve local rural energy problems, but also can improve the role of soil and improve the quality of agricultural products. It has positive significance for promoting the construction of local ecological agriculture.

Business processing benefit forecast

The food slaughtering and processing factory is the second-level fixed-point slaughtering unit in the urban area of ​​Xxxx, and is the only fixed-point slaughtering plant authorized by the county people's government. In the year, we slaughtered and processed 3,000 million heads of pigs, cattle, rabbits and rabbits, with annual sales of xxxx million yuan, realized profits of xxx million yuan, and paid taxes of xx million yuan. With strong efficiency space and advanced enterprise management capabilities, it can guarantee the security of your bank's short-term working capital loans.

Fourth, solvency

1. Due to the good operating conditions, strong management ability, strong operational and profitability, high credibility and considerable development prospects, in order to expand the scale of operations, the company will develop new projects, but the company has insufficient liquidity. Now applying for project loans and short-term loans for working capital, the company has good operating income, good profitability, and sufficient sales income and cash inflow. The company promises to use the company's sales revenue and cash inflow to repay the loan and interest on time. In order to ensure the security of your bank loans.

2. The project loan and liquidity one-year loan that the company intends to apply to your bank is xxxx million yuan, which is mainly used to expand the scale of livestock and poultry breeding and the company's operational needs. And use the company and company legal representative to represent xxx personal assets and other properties as collateral.