[pretty] sure. Own capital refers to its own liquidity, i. E. The owner's equity, less the use of other funds, such as fixed assets, for operating its working capital. It is clear that there is a problem in deducting all of its own funds, and that most of its own funds are invested in fixed funds, not in liquidity, and that it should be reasonable to deduct the portion of the borrower's own funds used for liquidity. Otherwise, none of the borrowing enterprises that are now counted needs money, which is not the case. The liquidity loan requirement measurement formula introduced by the board is based entirely on the desired corporate financial statements, i. E., except for inventory, receivables, advances, accounts payable, advances, other liquid items such as money funds, instruments receivable, other receivables, notes payable, other payables, remuneration payables, tax payables, etc., which account for a relatively small proportion of the statements, which tend to be the larger ones in the actual statements, and therefore represent a large gap between the demand and the actual needs, which is fully measured by the board. Therefore, if other subjects in the non-formula are taken into account in the calculations, they should be considered as a whole. The banks review the reasonableness of the firm's liquidity loan requirements and determine the level of loan risk. In measuring them, they not only measure the main indicators for several years, reflecting the evolution of the enterprise's indicators and their historical sophistication, but also understand the state of the enterprise's performance at the national and international levels, so that enterprises can be aware of each other and have clear objectives. By measuring the positive results, consideration should be given to providing enterprises with the necessary liquidity loans and, conversely, to negative results, not only to reject an unreasonable loan request from the enterprise, but also to recover the corresponding amount of the loan, indicating that the enterprise has misappropriated the liquidity loan. The specific movement of funds can be explained by analysing the enterprise's cash flow statements or by analysing other items of liquid assets such as short-term investments, unreasonable expenses to be apportioned, non-current assets such as long-term investments, fixed assets, intangible assets, etc. Title v: the interim scheme for the management of liquidity loans of 20102 is implemented by the superintendence of banking supervision of china. The interim scheme for the management of liquidity loans no. 1 of 2010 was adopted by the china banking supervision and management board at its 72nd meeting and is published and implemented as of the date of publication. Chairman: mr. Liu myung-kang, 12 february 2001 the first article of the general provisions of chapter i of the provisional measures for the management of funds regulates the conduct of liquid-money lending operations in banking financial institutions, strengthens the prudent management of liquidity loans and promotes the healthy development of liquidity lending operations, and formulates this approach in accordance with the relevant laws and regulations, such as the law on banking supervision of the people's republic of china and the law on commercial banks of the people's republic of china. Article ii. The banking financial institutions (hereinafter referred to as lenders) established in the people's republic of china with the approval of the china banking supervision commission shall operate liquid-fund loans in accordance with this scheme. Under this third approach, liquidity loans are foreign currency loans granted by lenders to corporate persons or other organizations of the state that may act as borrowers, for the purpose of the day-to-day production and operations of borrowers. The fourth type of lender conducting a liquidity loan is governed by the principles of compliance with the law, prudential conduct, equality, voluntariness, fairness and integrity. Article 5 lenders should improve internal control mechanisms, implement full-process loan management, obtain comprehensive client information, establish a liquidity loan risk management system and effective post checks and balances mechanisms, place responsibility for all aspects of loan management in specific sectors and posts, and establish job appraisal and accountability mechanisms. Article 6 lenders should reasonably measure the borrower's operating financial needs and carefully determine the total amount of the borrower's current credit and the amount of the specific loan, which must not exceed the actual needs of the borrower to extend a liquidity loan. The type and duration of a liquidity loan should be reasonably defined by the lender, based on the size and periodicity of the borrower's production operations, to meet the borrower's financial needs for production operations and to achieve effective control over the return of the loan funds. Article 7 lenders should integrate liquidity loans into a unified credit management for borrowers and their group clients, and establish risk limit management systems based on regional, industry, loan variety, etc. In accordance with the economic performance, industry development patterns and the effective credit needs of borrowers, article 8 lenders should reasonably determine the internal performance appraisal indicators, and should not set unreasonable targets for the size of the loan, and should not be subject to aggressive competition and surprise lending. Article 9 lenders should agree with the borrower on a clear and legitimate purpose of the loan. Liquidity loans may not be used to invest in fixed assets, equity, etc., or in areas and purposes prohibited by the state for production and operation. Liquidity loans may not be misappropriated, and lenders should check and monitor their use in accordance with contractual agreements. Article x. Under this scheme, the china banking supervision board exercises supervision over liquidity lending operations. Chapter ii considers and investigates article xi applications for working capital loans subject to the following conditions: (i) the borrower is legally established; (ii) the loan is made clearly and legally valid; (iii) the borrower's production operations are legal and subject to compliance; (iv) the borrower has a continuing capacity and a legitimate source of repayment; (v) the borrower is in good credit and has no significant bad credit record; and (vi) other conditions required by the lender. Article 12 lenders are required to request the modalities and details of the application for a liquidity loan and are required to adhere to the principle of honesty and trust and to commit themselves to the authenticity, integrity and validity of the material provided. Article 13 lenders should perform due diligence in the form of a combination of on-site and off-site, form written reports and be held accountable for the authenticity, integrity and effectiveness of their content. Due diligence includes, but is not limited to, the following: (i) the borrower's organizational structure, corporate governance, internal controls and the creditworthiness of its legal representatives and management teams; (ii) the borrower's scope of operations, core business, production operations, business planning and major investment plans; (iii) the borrower's industry situation; (iv) the borrower's real financial position, such as receivables, accounts payable, inventory, etc.; (v) the borrower's overall financial needs for operating funds and existing financing liabilities; (vi) the borrower's related parties and related transactions; (vii) the specific purpose of the loan and the use of funds by the counterparty to the loan; (viii) the source of repayments, including cash flows generated from the production business, combined proceeds and other legitimate income; and (ix) the secured liquidity loan is also subject to investigation into the ownership, value and liquidity of the encumbered goods, or guarantees of the person's security capacity and capacity。page 23. 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