【正文】 ........................................................... 3 （ 7）對行業(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）對行業(yè)的監(jiān)管 ................................................................................................................................. 4 （ 8）環(huán)境、環(huán)保因素 .............................................................................................................................. 4 (四 )經(jīng)營 /管理風(fēng)險(xiǎn)分析 ................................................................................................ 4 ：市場份額 /競爭狀況 /生命周期 /與同業(yè)比較的盈利水平等 ............................ 4 ................................................................................................................ 6 —— 市場匹配 ..................................................................................................... 6 ................................................................................................................... 6 ................................................................................................................... 7 ............................................................................................................ 9 ................................................................................................................... 9 .............................................................................................................. 10 .........................................................................................................................11 —— 主要的弱點(diǎn)與風(fēng)險(xiǎn) .............................................................................................11 —— 主要的優(yōu)勢和風(fēng)險(xiǎn)化解能力 ...............................................................................11 (五 )財(cái)務(wù)風(fēng)險(xiǎn)分析 ....................................................................................................... 12 10 .......................................................................................................... 12 ....................................................................................................... 12 ................................................................................................ 12 .......................................................................................................... 13 ..................................................................................................................... 15 /再融資能力 ........................................................................................ 16 .......................................................................................................... 16 ........................................................................................................................ 18 —— 主要的弱點(diǎn)與風(fēng)險(xiǎn) ............................................................................................... 18 —— 主要的優(yōu)勢和風(fēng)險(xiǎn)化解能力 ................................................................................. 18 (六 )授信額度確定 ....................................................................................................... 18 1．借款原因分析 ........................................................................................................ 18 (1)季節(jié)性銷售循環(huán) .................................................................................................. 18 (2)長期銷售增長（每年的銷售增長） ...................................................................... 18 (3)營運(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) .................................................................................................................... 20 2．還款能力分析 ........................................................................................................ 20 3．授信客戶申請額 .................................................................................................... 21 4. 其他因素 ................................................................................................................ 21 5．小結(jié) ...................................................................................................................... 21 （七）擔(dān)保分析 .......................................................................................................... 21 （八）授信對象評級和授信業(yè)務(wù)評級 ......................................................................