【正文】 ..............................................................................................................3（ 7）對(duì)行業(yè)的監(jiān)管 ...........................................................................................................................................3（ 8）環(huán)境、環(huán)保因素 .......................................................................................................................................3行業(yè)主要的優(yōu)勢(shì)和風(fēng)險(xiǎn)化解能力 ................................................................................................3（ 1）行業(yè)成本結(jié)構(gòu) ...........................................................................................................................................3（ 2）行業(yè)成熟度 ...............................................................................................................................................4（ 3）行業(yè)周期性 ...............................................................................................................................................4（ 4）行業(yè)盈利能力 ...........................................................................................................................................4（ 5）行業(yè)依賴性 ...............................................................................................................................................4（ 6）行業(yè)替代品 ...............................................................................................................................................4（ 7）對(duì)行業(yè)的監(jiān)管 ...........................................................................................................................................4（ 8）環(huán)境、環(huán)保因素 .......................................................................................................................................4(四)經(jīng)營(yíng)/管理風(fēng)險(xiǎn)分析 ................................................................................................4：市場(chǎng)份額/競(jìng)爭(zhēng)狀況 /生命周期/與同業(yè)比較的盈利水平等 .................................4 .................................................................................................................................6——市場(chǎng)匹配 .....................................................................................................................6 .....................................................................................................................................6 .....................................................................................................................................7 .............................................................................................................................9 .....................................................................................................................................9 ...............................................................................................................................10 ...........................................................................................................................................11——主要的弱點(diǎn)與風(fēng)險(xiǎn) ..........................................................................................................11——主要的優(yōu)勢(shì)和風(fēng)險(xiǎn)化解能力 ..........................................................................................11(五)財(cái)務(wù)風(fēng)險(xiǎn)分析 .......................................................................................................12 ...........................................................................................................................12 .......................................................................................................................12 ...............................................................................................................12 ...........................................................................................................................13 .......................................................................................................................................15 ...........................................................................................................................16 ...........................................................................................................................................18——主要的弱點(diǎn)與風(fēng)險(xiǎn) ..............................................................................................................18——主要的優(yōu)勢(shì)和風(fēng)險(xiǎn)化解能力 ..............................................................................................18(六)授信額度確定 .......................................................................................................181．借款原因分析 ........................................................................................................................18(1)季節(jié)性銷(xiāo)售循環(huán) .................................................................................................................18(2)長(zhǎng)期銷(xiāo)售增長(zhǎng)（每年的銷(xiāo)售增長(zhǎng)） .................................................................................18(3)營(yíng)運(yùn)資金資產(chǎn)效率的變化 .................................................................................................19(4)盈利能力 .............................................................................................................................19(5)固定資產(chǎn)替換和擴(kuò)張 .........................................................................................................19(6)其他原因 .............................................................................................................................19(7)小結(jié) .....................................................................................................................................202．還款能力分析 ........................................................................................................................203．授信客戶申請(qǐng)額 ....................................................................................................................214. 其他因素 ...............................................................