【導(dǎo)讀】{ "error_code": 17, "error_msg": "Open api daily request limit reached" }

　　

【正文】 .................................................................... 253 附件： ***銀行 信貸業(yè)務(wù)申請(qǐng)?zhí)峤徊牧锨鍐? .................................. 253 3 授信分析 .................................................................................................... 255 目的 ............................................................................................ 255 適用范圍及基本要求 ................................................................... 255 背景情況分析 .............................................................................. 256 客戶背景分析 ............................................................................. 256 業(yè)務(wù)背景分析 ............................................................................. 257 項(xiàng)目背景分析 (適用于固定資產(chǎn)貸款 ) ........................................... 257 行業(yè)風(fēng)險(xiǎn)分析 .............................................................................. 258 總體情況 .................................................................................... 258 行業(yè)成本結(jié)構(gòu) ............................................................................. 258 行業(yè)成熟度 ................................................................................ 259 行業(yè)周期性 ................................................................................ 260 行業(yè)盈利能力 ............................................................................. 260 行業(yè)依賴性 ................................................................................ 260 行業(yè)替代產(chǎn)品 ............................................................................. 260 對(duì)行業(yè)的監(jiān)管 ............................................................................. 260 經(jīng)營(yíng)、管理風(fēng)險(xiǎn)分析 ................................................................... 261 總體特征 .................................................................................... 261 目標(biāo)和戰(zhàn)略 ................................................................................ 262 產(chǎn)品－市場(chǎng)匹配 ......................................................................... 263 供應(yīng)分析 .................................................................................... 263 生產(chǎn)分析 .................................................................................... 264 分銷渠道分析 ............................................................................. 265 銷售分析 .................................................................................... 265 管理分析 .................................................................................... 266 財(cái)務(wù)風(fēng)險(xiǎn)分析 .............................................................................. 267 財(cái)務(wù)報(bào)表質(zhì)量 ............................................................................. 267 重要科目及附注分析 .................................................................. 267 銷售和 盈利能力 ......................................................................... 269 償債和利息保障能力 .................................................................. 269 資產(chǎn)管理效率 ............................................................................. 270 流動(dòng)性 ....................................................................................... 270 長(zhǎng)期償債能力、再融資能力 ........................................................ 271 現(xiàn)金流量分析 ............................................................................. 271 集團(tuán)客戶財(cái)務(wù)分析 ...................................................................... 273 匯率風(fēng)險(xiǎn)分析 .............................................................................. 273 借款原因分析 .............................................................................. 273 對(duì)客戶的借款原因分析 ............................................................... 273 對(duì)項(xiàng)目的借款原因分析 (適用于固定資產(chǎn)貸款 ) ............................. 274 財(cái)務(wù)數(shù)據(jù)預(yù)測(cè) .............................................................................. 275 運(yùn)用財(cái)務(wù)工具需預(yù)測(cè)的數(shù)據(jù) ........................................................ 275 項(xiàng)目評(píng)估需預(yù)測(cè)的數(shù)據(jù) (適用于固定資產(chǎn)貸款 ) ............................. 277 信貸業(yè)務(wù)手冊(cè) 8 還款能力分析 .............................................................................. 278 對(duì)客戶的還款能力分析 ............................................................... 278 對(duì)項(xiàng)目的還款能力分析 (適用于固定資產(chǎn)貸款 ) ............................. 279 擔(dān)保情況分析 ............................................................................... 280 授信方案設(shè)計(jì) ............................................................................... 280 綜合分析 ..................................................................................... 280 方案設(shè)計(jì) ..................................................................................... 281 4 授信審查審批 ............................................................................................. 282 目的 ............................................................................................ 282 適用范圍和基本要求 ................................................................... 282 審查審批基本要點(diǎn) ....................................................................... 283 授信客戶背景狀況 ...................................................................... 283 授信業(yè)務(wù)背景狀況 ...................................................................... 283 行業(yè)風(fēng)險(xiǎn)分析 .........................