【精品】项目贷款调查报告模板.doc

目 录 调查人申明····················································· 第一章 借款申请人基本情况调查·································· 一、借款申请人的基本情况····································· 二、借款申请人财务状况分析··································· 三、借款申请人经营情况······································· 第二章 项目建设概况············································ 一、项目建设必要性··········································· 二、项目基本情况············································· 三、项目建设合法性··········································· 四、项目建设条件评价········································· 五、工艺技术条件评价········································· 六、环境保护················································· 七、项目进展情况············································· 第三章 项目市场分析··········································· 一、供求分析················································· 二、产品竞争力分析··········································· 第四章 投资估算和筹资评估····································· 一、项目总投资··············································· 二、项目资金来源············································· 第五章 项目财务评估··········································· 一、项目评估取值依据········································· 二、项目财务指标············································· 三、不确定性分析············································· 第六章 项目贷款担保分析······································· 一、抵押担保················································· 二、其他担保················································· 第七章 风险与收益分析·········································· 一、银行收益分析············································· 二、主要风险················································· 三、风险控制方案············································· 第八章 调查结论················································ 第一章 借款申请人基本情况调查 一、借款申请人概况 （一）借款申请人基本情况 1、基本情况。主要介绍借款申请人成立时间、注册资本、注册地址、法人代表、经营范围，并以叙述申请人相关证照（营业执照、组织机构代码证、税务登记证 地税、国税、贷款卡等）的取得情况和有效性（是否按规定办理年审）。 2、借款申请人发展沿革。主要介绍借款申请人自成立以来重大发展变化。包括资产规模的扩大、股东和注册资金变更、经营范围拓展以及结算方式的完善和风险防控能力的提升等情况。 3、借款申请人的组织管理架构。主要介绍借款申请人组织管理机构设置情况以及相互之间的权属关系，并根据业务素质或知识结构简要介绍申请人员工组成情况。 4、借款申请人的股权架构。详细介绍借款申请人股权组成情