question 1: what is the most appropriate asset-liability ratio of an enterprise? Different industries have different requirements for asset-liability ratio

If it is conservative, it will be set at 61%

Question 2: How much asset-liability ratio is appropriate? This result is correct, and the asset-liability ratio is an assessment of the repayment ability of enterprises. The specific asset-liability ratio should be determined according to the industry level, generally below 45%, and special industries, such as real estate, may exceed this level. 31% asset-liability ratio of small companies selling instruments should be appropriate.

question 3: how much is the asset-liability ratio of general enterprises appropriate? There are no specific financial parameters. If it is greater than 111%, it means that the enterprise is insolvent, and the creditors' principal may not be recovered. This indicator is very low, indicating that the ability of the enterprise to provide funds for business activities is poor, so the enterprise's debt management is moderate, and it is best to control it at about 61-71%.

question 4: how much is the asset-liability ratio? The online asset-liability ratio of Dongao Accounting = total liabilities/total assets, in which the total liabilities represent all liabilities of the enterprise, including not only long-term liabilities, but also current liabilities.

the asset-liability ratio is an important indicator to measure the debt level and risk degree of an enterprise.

The lower the asset-liability ratio, the less assets obtained by debt, and the poor ability of enterprises to use external funds; The higher the assets and liabilities, the more assets the enterprise raises by borrowing, and the greater the risk. Therefore, it is better to keep the asset-liability ratio at a certain level.

generally speaking, the appropriate level of asset-liability ratio is 41%~61%. However, enterprises in different industries and regions deal with debts differently.

Question 5: What is the asset-liability ratio? How to calculate the asset-liability ratio? How much is the appropriate asset-liability ratio? Debt Asset ratio refers to the ratio of the company's total liabilities to total assets at the end of the year. Indicates how much of the company's total assets are raised through debt, which is a comprehensive index to evaluate the company's debt level. At the same time, it is also an index to measure the company's ability to use creditors' funds for business activities, and also reflects the security of creditors' loans. If the asset-liability ratio reaches 111% or exceeds 111%, it means that the company has no net assets or is insolvent! Asset-liability ratio calculation formula Asset-liability ratio calculation formula: Asset-liability ratio = total liabilities/total assets ×111%1. Total liabilities: refers to the sum of various liabilities undertaken by the company, including current liabilities and long-term liabilities. 2. Total assets: refers to the sum of all assets owned by the company, including current assets and long-term assets. The lower the ratio, the better. Because the owners (shareholders) of the company generally only bear limited liability, and once the company goes bankrupt and liquidates, the realized income of assets is likely to be lower than its book value. So if this index is too high, creditors may suffer losses. When the asset-liability ratio is greater than 111%, it shows that the company is insolvent, which is very risky for creditors. How to judge whether the asset-liability ratio is reasonable To judge whether the asset-liability ratio is reasonable, first of all, it depends on whose position you stand. Asset-liability ratio, which reflects the proportion of debts provided by creditors to the total capital, is also called debt operating ratio. From the standpoint of creditors, whether the asset-liability ratio is reasonable or not, they are most concerned about the safety of the money lent to enterprises, that is, whether the principal and interest can be recovered on schedule. If the capital provided by shareholders only accounts for a small proportion compared with the total capital of the enterprise, the risk of the enterprise will be mainly borne by creditors, which is unfavorable to creditors. Therefore, they hope that the lower the debt ratio, the better. If the enterprise can repay its debts, there will be no great risk in lending to the enterprise. Whether the asset-liability ratio is reasonable from the shareholders' point of view Because the funds raised by enterprises through debt play the same role as the funds provided by shareholders, shareholders are concerned about whether the profit rate of all capital exceeds the interest rate of borrowed money, that is, the cost of borrowed capital. When the total profit rate of capital earned by an enterprise exceeds the interest rate paid for borrowing, the profits earned by shareholders will increase. If, on the contrary, the profit rate from the use of all capital is lower than the interest rate of borrowing, it will be unfavorable to shareholders, because the excess interest on borrowed capital will be made up by the profit share earned by shareholders. Therefore, from the standpoint of shareholders, when the total capital profit rate is higher than the loan interest rate, the greater the debt ratio, the better, otherwise the opposite is true. Shareholders of enterprises often use the way of debt management to gain control of enterprises with limited capital and at a limited cost, and can get leverage benefits from debt management. Therefore, it is called financial leverage in financial analysis. Whether the asset-liability ratio is reasonable from the operator's point of view If the debt is large and beyond the psychological tolerance of creditors, the enterprise will not be able to borrow money. If the enterprise does not borrow, or the debt ratio is very small, it shows that the enterprise is timid, has insufficient confidence in the future, and has poor ability to use creditor's capital for business activities. From the point of view of financial management, enterprises should assess the situation and consider it comprehensively. When making decisions on borrowing capital by using the asset-liability ratio, they must fully estimate the expected profits and increased risks, weigh the gains and losses between them and make correct decisions. Brief introduction to the Balance Sheet The balance sheet, also known as the statement of financial position, is the main accounting statement indicating the financial position of an enterprise on a certain date (usually at the end of each accounting period) (that is, the status of assets, liabilities and profits). Based on the principle of accounting balance, the balance sheet divides the transactions of assets, liabilities and shareholders' equity that meet the accounting principles into two blocks: assets and liabilities and shareholders' equity. After accounting procedures such as entry, transfer, ledger, trial calculation and adjustment, it is condensed into a report based on the static enterprise situation on a specific date. In addition to debugging, business direction and preventing disadvantages within the enterprise, its report function can also let all readers know the business situation of the enterprise in the shortest time. 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Question 6: Is it normal for a company's asset-liability ratio not to exceed much? It is generally believed that the appropriate level of a company's asset-liability ratio is 41%~61%, but there are differences in different countries or regions. The asset-liability ratio of Britain and the United States rarely exceeds 51%, while that of Asian and European companies is significantly higher than 51%, and some successful companies even reach 71%.

the asset-liability ratio is the percentage of total liabilities divided by total assets at the end of the period, that is, the proportional relationship between total liabilities and total assets. The asset-liability ratio reflects how much of the total assets are financed by borrowing, and can also measure the degree to which enterprises protect the interests of creditors during liquidation. Asset-liability ratio, which reflects the proportion of capital provided by creditors to total capital, is also called debt operation ratio. Asset-liability ratio = total liabilities/total assets.

the asset-liability ratio indicates how much of the company's total assets are raised through liabilities, which is a comprehensive indicator to evaluate the company's debt level. At the same time, it is also an index to measure the company's ability to use creditors' funds for business activities, and also reflects the safety of creditors' payment of ingots.

Question 7: How much is the asset-liability ratio of catering industry? It is reasonable to keep the asset-liability ratio at 51%, and it can be 71-81% for small and medium-sized enterprises.

Question 8: How much is the best asset-liability ratio? It's hard to say that all walks of life are different, and the ability of enterprises to control risks is different. Generally speaking, enterprises with good operation teams and state-owned backgrounds have a high asset load ratio of 61-71%, which is very common, while ordinary small enterprises control it at around 31%!

question 9: how much is the bank's asset-liability ratio? 5 points. Banking is a special industry. Generally speaking, according to the Basel Accord, the core adequacy ratio of venture capital of commercial banks is 8%, that is to say, the asset-liability ratio of banks is below 92%, which is a normal level.

At present, the asset-liability ratio of individual commercial banks in China is over 96%;

The main source of funds for banks is all kinds of savings, that is to say, most of the money of banks is other people's money, which is just put in the bank. Banks have no ownership, but only limited right to use, and part of the proceeds are returned to depositors in the form of interest, and part of them become bank income in the form of deposit-loan difference;

because most of the bank's money is not its own, but the bank's debt, and the savings amount is very large, so the debt ratio is high. The higher the asset-liability ratio of the banking industry, the stronger the energy absorption and storage capacity, and the more loans can be issued, and the higher the profit.

Of course, excessive debt sometimes becomes a risk. Once it is difficult to recover the loan for some reason, and the bank's debt is too high to turn over, it will inevitably lead to the possibility of bankruptcy. Therefore, the bank's debt must be kept within a suitable range, and the capital adequacy ratio should generally be above 5%.