The Research Of The Calculating Method About Corporate Demand Of Liquidity Loans

On February 12, 2010, the China Banking Regulatory Commission(hereinafter referred as the CBRC) promulgated the "Temporary measures for management of liquidity loans"(hereinafter referred as "Liquidity loans management method"), required lenders have to reasonably measured the needs of borrower's working capital, accordingly to exam and approve of actual condition of liquidity loans investigation, which stated the using demand of liquidity loans measure reference for commercial Banks. In practical application, there is a deviation between the results from calculation method and the actual situation of the borrower.This article is going to analyze the loaning demand of working capital in an organization and measure the content and characteristics, combined with the enterprise daily management and bank credit audit actual situation, stated out existing problem of measurement such as following: there has no clear loaning demand of working capital estimates range covers credit varieties, it is hardly to determine the estimated annual rate of growth of sales revenue, operating there is not considerate, not quantitative measuring elements coefficient of insurance, the provision of the sources of working capital value range, ignore some of the special industry needs measurement, etc. Follow by the improvement of the measurement such as following: clarify liquidity loans demand estimates include credit variety scope and sources of working capital operating scope, adjust the amount measuring elements of consideration, quantitative insurance coefficient introduced pressure test method, puts forward some special industries demand measurement, etc. Finally to Bank Of China, the key customer Shenzhen Jinzhou Jinggong Technology co., LTD.(hereinafter referred to as Jinzhou Jinggong), Ping'an Panhai Capital co., LTD(hereinafter referred as the Ping'an Panhai) as case studies, with application demonstration before and after the improvement of the measuring method, highlights the improved measuring method in practice operability and optimization.