【正文】 ..............10重要事 項 提示 .........................................................................................................................................10（三）客戶財務(wù)狀況分析 ..............................................................................................10資產(chǎn)負(fù)債結(jié) 構(gòu)分析 ...................................................................................................................................10損 益分析 ...................................................................................................................................................15營 運(yùn)能力分析 ...........................................................................................................................................15盈利能力分析 ...........................................................................................................................................17償債 能力分析 ...........................................................................................................................................19現(xiàn) 金流量分析 ...........................................................................................................................................22其他分析 ...................................................................................................................................................24三、受信人信用等級評定 ...........................................................................................24四、受信人的授信需求 ...............................................................................................24（一）、授信需求分析 ...................................................................................................245 / 37（二）、資金周轉(zhuǎn) ...........................................................................................................27（三）、項目建設(shè)及固定資產(chǎn)購置 ...............................................................................27（四）、第一還款來源分析 ...........................................................................................27五、授信限額測算 .......................................................................................................27（一）、授信測算 ...........................................................................................................27（二）、授信種類分析 ...................................................................................................27六、受信人競爭能力分析 ...........................................................................................28（一）、受信人經(jīng)營戰(zhàn)略分析 .......................................................................................28（二）、受信人核心競爭力分析 ...................................................................................28七、授信擔(dān)保分析 .......................................................................................................28（一）、保證分析 ...........................................................................................................28（二）、抵（質(zhì)）押 ...........................................................................................................29八、綜合效益分析 .......................................................................................................30（一）、貸款收益分析 ...................................................................................................30（二）、存款收益分析 ...................................................................................................30（三）、中間業(yè)務(wù)收益 ...................................................................................................30（四）、其他綜合收益 ...................................................................................................30九、風(fēng)險分析與防范 ...................................................................................................31（一）風(fēng)險分析 ..............................................................................................................31定量分析 ...................................................................................................................................................31定性分析 ...................................................................................................................................................31（二）風(fēng)險防范與風(fēng)險規(guī)避措施 ..................................................................................316 / 37十、客戶評價結(jié)論 .......................................................................................................32一 、信貸業(yè)務(wù)描述 .....................................................................................................36二、授信及使用情況 ...................................................................................................36（一）客戶授信情況 ......................................................................................................36（二）客戶授信使用情況 ..............................................................................................36（三）授信業(yè)務(wù)的貸后檢查情況 ..................................................................................37三、信貸用途及還款來源 ...........................................................................................37（一）、本次交易分析 ...................................................................................................37（二）、資金周轉(zhuǎn) ...........................................................................................................37（三）、項目建設(shè)及固定資產(chǎn)購置 ...............................................................................37（四）、第一還款來源分析 ...........................................................................................38四、授信后客戶非財務(wù)變化因素分析 .......................................................................38（一）客戶基本情況變化分析 ......................................................................................38（二）客戶行業(yè)與主要產(chǎn)品或服務(wù)變化分析 ..............................................................38（三）客戶授信后的業(yè)績分析 ......................................................................................38（四）經(jīng)營環(huán)境變化 ............................................................................................