该方法简单、实用，能够全面反映事物的特征，具有一定的实用价值。
This method is simple, practical and can reflect thing's feature comprehensively, so it has certain practical value.
揭示贷款的实际价值和风险程度，真实、全面、动态地反映贷款的质量；
To assess the real value and risk of loans and reflect credit quality in a reliable, comprehensive and dynamic manner.
净现金流量与利润、股利等基础会计指标相比后得到的比率指标，更能全面、精确地反映所有的价值因素。
Compared with the other indexes such as share profit calculated based on accounting, it can reflect all the factors of value completely and accurately.
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