Audit and economical analysis

Analysis of the use of their term   credit   and goals

 

Duration of credit - this loan   characterized by   time   ,   to return credit   a crisis.

The principle of loan repayment means that at any time convenient for the debtor, the specific term of the loan specified in the loan agreement is necessary to repay the loan.   The duration of the loan is important for both parties, lenders and borrowers.   If the lender repays the loan at a fixed rate, he will have the opportunity to repay it or repay it within the prescribed period.   The borrower makes efficient use of the loan and is interested in timely repayment to the lender and, thus, avoids fines under the contract.   As a result of violation of the loan terms, the lender may   turn   economic measures of the borrower (fines, interest rates, loan repayment, etc.).   In cases where these measures do not help, the borrower may collect financial claims through the Economic Court.   The duration of the loan depends on the profitability and reuse of resources, the shipment of goods, the timing of the sale of goods and, ultimately, the turnover of working capital.

Purposeful use of credit is an important issue.   The essence of this principle is that the borrower's loans should be aimed at achieving a specific goal.   The purpose of the loan, such as the acquisition of inventory or reimbursement of production costs, etc., will be reflected in the loan agreement concluded between the enterprise and the bank, intended for a specific object.   The company should only cover the loan received to perform the work specified in the loan agreement.   At the same time, a loan is granted to a specific concrete asset: production costs, production reserves, finished products, goods shipped, billing documents, etc.

There is a large amount of loans used to cover the total demand in world practice.   At the same time, bank loans are used at their discretion to meet the various needs of the borrower in relation to financial resources.

Under current conditions, they are limited to short-term lending and are usually not used in medium-term and long-term lending.   In our practice, banks will be granted only loans for a specific purpose.

AT   depending on the scope of its activities, the borrower of the company and organization   can be divided into   some   groups.

Providing commercial loans.   Loans in this sector are provided to business entities operating in the field of trade and services.   These loans have fast   turnover   , Which has   crucial   for   business needs of merchants   .

The bank received loans on securities   carrying out a sales transaction, stock brokers: brokers, McLean , dealerships   the company.

Mortgage loans   can   be   issued on real estate   .   They are provided by both ordinary and specialized mortgage banks.   Currently it is widely used in foreign practice, and even in some sources it is represented as a separate form of credit.

Interbank loans are one of the most common forms of bank loans.   The current interbank loan rate is an important factor in determining the policy for granting loans to other types of commercial banks. The exact amount (percentage   rate)   of this policy   determined by the central bank.

At   classification   goals   loan it is important to focus on   its long and short term   credits.   how   typically, this is a zaoz long-term loans to finance long-term assets that are negotiable   QIs assets   accent   on financing long-term   loans.   Duration of discharge is limited to one year and up to one year.

In assessing the current state of balance sheets,

It is necessary to provide the following schematic links Creedites .