流动资金贷款调查报告.docxVIP

流动资金贷款调查报告

目录

一、内容概述................................................3

1.1调查背景与目的.......................................4

1.2调查范围与方法.......................................4

二、借款人基本情况..........................................5

2.1借款人概况...........................................6

2.1.1公司成立时间.....................................7

2.1.2公司注册资本.....................................8

2.1.3公司组织结构.....................................9

2.2借款人经营状况......................................10

2.2.1主营业务........................................12

2.2.2市场地位........................................12

2.2.3竞争优势........................................14

2.3借款人信用记录......................................15

2.3.1信用评级........................................15

2.3.2还款记录........................................16

2.3.3法律诉讼情况....................................17

三、贷款用途与还款来源.....................................18

3.1贷款用途分析........................................19

3.2还款来源评估........................................20

3.2.1收入来源........................................20

3.2.2支出预测........................................21

3.2.3资金缺口分析....................................23

四、贷款金额与期限.........................................24

4.1贷款金额确定........................................24

4.2贷款期限安排........................................26

4.2.1借款期限........................................26

4.2.2还款方式........................................27

4.2.3利率水平........................................29

五、担保方式与风险评估.....................................30

5.1担保方式选择........................................32

5.1.1抵押担保........................................33

5.1.2质押担保........................................34

5.1.3保证担保........................................36

5.2担保物价值评估......................................37

5.3借款人偿债能力评估..................................38

5.3.1资产负债率......................................