欧美性xxxxx极品娇小,狠狠操导航

內(nèi)容簡(jiǎn)介

　　本書重點(diǎn)闡述信貸人員應(yīng)掌握財(cái)務(wù)分析基本原理和辯證關(guān)系，明確信貸管理中最主要的人際關(guān)系；有效識(shí)別報(bào)表的性質(zhì)；闡述具體問題具體分析理論的重要性。闡述企業(yè)報(bào)表中各科目所體現(xiàn)的業(yè)務(wù)性質(zhì)、增減變化一般規(guī)律、發(fā)生異常的可能情況；完全從實(shí)戰(zhàn)角度闡述企業(yè)編報(bào)中可能虛增資產(chǎn)和收入、虛減負(fù)債和成本等一般規(guī)律，是本書的重點(diǎn)。闡述編制現(xiàn)金流量表的一般方法，重點(diǎn)介紹“倒推法”，有利于解決多數(shù)信貸人員不懂得編制現(xiàn)金流量表。讀者對(duì)象是信貸從業(yè)人員，包括銀行、非銀行金融機(jī)構(gòu)、網(wǎng)上金融、小貸公司等機(jī)構(gòu)的人員。

作者簡(jiǎn)介

　　徐王強(qiáng)中國(guó)注冊(cè)會(huì)計(jì)師、國(guó)際注冊(cè)內(nèi)部審計(jì)師。從事銀行工作17年，會(huì)計(jì)師事務(wù)所工作7年。基層工作閱歷豐富，理論功底深厚，政策研究水平高，歷經(jīng)區(qū)域金融危機(jī)，實(shí)戰(zhàn)經(jīng)驗(yàn)豐富，曾任多家大中型企業(yè)財(cái)務(wù)顧問，洞悉企業(yè)與銀行之間圍繞融資業(yè)務(wù)的需求及信貸風(fēng)險(xiǎn)，掌握銀企雙方業(yè)務(wù)關(guān)鍵契合點(diǎn)和風(fēng)險(xiǎn)點(diǎn)。提出有效的解決方法和路徑，成功實(shí)現(xiàn)企業(yè)融資，并有效控制銀行信貸風(fēng)險(xiǎn)，實(shí)現(xiàn)銀企雙贏，共同發(fā)展。

圖書目錄

目錄

第一章概述 ······································································································1

第一節(jié) 信貸管理中的人際關(guān)系 ······················································1

第二節(jié) 調(diào)查失敗和經(jīng)營(yíng)失敗 ··························································3

第三節(jié) 定性分析與定量分析 ··························································3

第四節(jié) 大中型與小微企業(yè)分析側(cè)重點(diǎn) ···········································5

第五節(jié) 企業(yè)財(cái)務(wù)報(bào)表類型與財(cái)務(wù)實(shí)質(zhì)分析 ··································10

第六節(jié) 調(diào)查中的策略運(yùn)用 ····························································14

第七節(jié) 具體問題具體分析 ····························································15

第二章前期準(zhǔn)備 ····························································································17

第一節(jié) 了解企業(yè)基本情況 ····························································17

第二節(jié) 獲取基本信息 ···································································23

第三章資產(chǎn)項(xiàng)目分析攻略 ···········································································25

第一節(jié) 貨幣資金 ···········································································25

第二節(jié) 應(yīng)收票據(jù) ···········································································29

第三節(jié) 應(yīng)收賬款 ···········································································31

第四節(jié) 預(yù)付款項(xiàng) ···········································································38

第五節(jié) 其他應(yīng)收款 ·······································································40

第四節(jié)管理費(fèi)用 ··········································································100
第五節(jié)財(cái)務(wù)費(fèi)用 ··········································································101
第六節(jié)資產(chǎn)減值損失 ··································································102
第七節(jié)投資收益 ··········································································103
第八節(jié)公允價(jià)值變動(dòng)損益 ···························································104
第九節(jié)營(yíng)業(yè)外收支 ······································································105

第六章現(xiàn)金流量分析攻略 ·········································································107

第一節(jié)現(xiàn)金流量表的概念及作用 ···············································107
第二節(jié)現(xiàn)金流量表的分類 ···························································108
第三節(jié)現(xiàn)金流量表的編制案例及分析 ········································111
第四節(jié)倒推法編制簡(jiǎn)單現(xiàn)金流量表 ············································120

第七章財(cái)務(wù)指標(biāo)分析··················································································123

第一節(jié)償債能力指標(biāo) ··································································124
第二節(jié)運(yùn)營(yíng)能力指標(biāo) ··································································130
第三節(jié)發(fā)展?jié)摿χ笜?biāo) ··································································134
第四節(jié)獲利能力指標(biāo)及綜合指標(biāo)分析 ········································136

第八章基礎(chǔ)案例分析攻略 ·········································································141

第一節(jié)企業(yè)財(cái)務(wù)分析的流程 ·······················································141
第二節(jié)企業(yè)稅務(wù)報(bào)表分析攻略 ···················································146
第三節(jié)企業(yè)銀行報(bào)表分析攻略 ···················································163
第四節(jié)企業(yè)銀行報(bào)表與稅務(wù)報(bào)表對(duì)比分析攻略 ·························172
第五節(jié)中小企業(yè)財(cái)務(wù)分析攻略 ···················································180
第六節(jié)小微企業(yè)財(cái)務(wù)分析攻略 ···················································189
第七節(jié)企業(yè)集團(tuán)合并報(bào)表分析攻略 ············································192