【正文】 ................3 七、評估結(jié)論 ...............................................................................................................3 第二章 借款人評價 ...........................................................................................................4 一、借款人概況 ...........................................................................................................4 二、經(jīng)營者素質(zhì)及管理水平 ..........................................................................................4 三、信用狀況評價 ........................................................................................................4 四、企業(yè)前景評價 ........................................................................................................5 第三章 項目建設(shè)條件評價 .................................................................................................6 一、項目建設(shè)必要性 ....................................................................................................6 二、項目建設(shè)內(nèi)容、規(guī)模和建設(shè)方案 ............................................................................7 三、項目實施進(jìn)程評價 .................................................................................................8 四、設(shè)計單位資質(zhì)評價 .................................................................................................8 第四章 項目市場情況評估 .................................................................................................9 一、宏觀經(jīng)濟(jì)狀況 ........................................................................................................9 （一） A市 經(jīng)濟(jì)格局 .............................................................................................9 （二） A市 經(jīng)濟(jì)發(fā)展水平 .................................................................................... 10 二、 A市 房地產(chǎn)市場狀況 ........................................................................................... 14 （一）房地產(chǎn)經(jīng)濟(jì)運行狀況 ................................................................................ 14 （二）項目所在地房地產(chǎn)市場狀況分析 ............................................................... 16 三、市場定位分析 ...................................................................................................... 19 （一）項目開發(fā)主題定位 .................................................................................... 19 （二）市場定位 .................................................................................................. 19 四、市場預(yù)測分析 ...................................................................................................... 22 （一）項目基本情況 ........................................................................................... 22 （二）項目經(jīng)營方式 ........................................................................................... 22 （三）銷售期的選定 ........................................................................................... 22 （四）實現(xiàn)銷售計劃風(fēng)險評價 ............................................................................. 23 第五章 投資估算和籌資評價 ........................................................................................... 24 一、投資估算 ............................................................................................................. 24 二、投資來源及籌資評價 ........................................................................................... 24 三、項目投資計劃評價 ............................................................................................... 25 （一）開發(fā)計劃擬定的原則 ................................................................................ 25 （二）建設(shè)方式 .................................................................................................. 25 （三）進(jìn)度安排 .................................................................................................. 25 （四）項目周期設(shè)定 ........................................................................................... 25 （五）分段周期設(shè)定 ........................................................................................... 26 （六）投資計劃與資金籌措表 ............................................................................. 28 第六章 財務(wù)基礎(chǔ)數(shù)據(jù)確定 ............................................................................................... 29 一、項目開發(fā)周期 ...................................................................................................... 29 二、開發(fā)成本分?jǐn)偣浪?............................................................................................... 29 三、項目銷售價格估算 ............................................................................................... 30 （一）住宅銷售價格 ........................................................................................... 30 （二）商鋪銷售價格 ........................................................................................... 30 （三）車位銷售價格 ........................................................................................... 30 （四）商場銷售價格 ........................................................................................... 30 四、預(yù)期收入測算結(jié)果 ............................................................................................... 31 五、 稅金計算 ............................................................................................................. 31 第七章 財務(wù)效益評估 ...................................................................................................... 32 一、項目財務(wù)效益預(yù)測 ............................................................................................... 32 （一）財務(wù)評價指標(biāo)的選取 ................................................................................ 32 （二）靜態(tài)效益指標(biāo) ........................................................................................... 33 （三）項目財務(wù)現(xiàn)金流量表及動態(tài)盈利分析 ........................................................ 34 二、利息保障倍數(shù)計算 ............................................................................................... 36 三、貸款償還期計算 .................................................................................................. 37 第八章 項目不確定性分析 ...................................................................................