公司信貸業(yè)務(wù)貸前調(diào)查(實(shí)務(wù))

公司信貸業(yè)務(wù)貸前調(diào)查實(shí)務(wù)——貸前準(zhǔn)備、現(xiàn)場(chǎng)調(diào)查、調(diào)查分析及撰寫報(bào)告概述什么是貸前調(diào)查，貸前調(diào)查的意義何在？貸前調(diào)查是銀行受理借款人申請(qǐng)后，對(duì)借款人的信用等級(jí)以及借款的合法性、安全性、贏利性等情況進(jìn)行調(diào)查，核實(shí)抵質(zhì)押物、保證人情況，測(cè)定貸款風(fēng)險(xiǎn)度，為貸款決策提供依據(jù)的過程貸前調(diào)查是銀行發(fā)放貸款前最重要的一環(huán)，也是貸款發(fā)放后能否如數(shù)按期收回的關(guān)鍵。客觀、詳實(shí)、準(zhǔn)確的調(diào)查對(duì)銀行具有重要的意義概晌述貸題前蟲調(diào)首查資是秤貸昌款坊決涂策猴的緒依攪據(jù)通贈(zèng)過帽調(diào)扯查字核企實(shí)揮有澡關(guān)陽借仔款掃人卡、獲貸長(zhǎng)款叮業(yè)糕務(wù)藥及晝擔(dān)梨保下待權(quán)方棚面刊的驚情茶況跨，右全嫁面土、譽(yù)客持觀康、勵(lì)真挺實(shí)堵地呀揭緩示稱和捆評(píng)錢估珍貸脈款勤業(yè)甚務(wù)增可騾能堡存雹在素的舒風(fēng)桌險(xiǎn)伍，且并炒提爪出躲應(yīng)境對(duì)火措續(xù)施紐奉，外從恰而辯為究銀浩行脅貸憤款畢正固確渴決厭策慨提籃供訊依匪據(jù)貸尊前寧調(diào)滴查縮慧是芬風(fēng)呼險(xiǎn)超防面控版的似閘莖門通飽過累開壁展遵全圖面欺、底深泳入識(shí)、挎細(xì)添致肥、臣高植質(zhì)疾量攏的渡貸旁前芳調(diào)眉查恰工望作存，注是扣銀怕行丟做舌好雁信閃貸莊業(yè)戒務(wù)宿、哲管欣理窯信魚貸陽風(fēng)糊險(xiǎn)猾的嘆基晃本絞保玻障面，陣也池是燒降逢低欲貸殺款老人貿(mào)與需借吵款浩人挨之撿間嫂信櫻息徐不里對(duì)候稱異，佛減渾少餓貸嬌款沾風(fēng)矮險(xiǎn)算隱資患通的單重輕要熄手亦段梳。凳因蠅此芳貸律前帝調(diào)擊查遮是戶防梅范道貸擇款斜風(fēng)亦險(xiǎn)筑的轉(zhuǎn)首衛(wèi)要?dú)g防窗線糖，乖也各是算內(nèi)絕部貍控園制婆貸踐款迷風(fēng)拼險(xiǎn)遼的棟安縱全界閘罩門第揉一真部置分襖貸填前昨準(zhǔn)典備一番、箏搜淚集錯(cuò)客折戶謝的笑相貞關(guān)遙資煎料二籍、居列跡明唉調(diào)獲查檢要漏點(diǎn)配及民確傻定幕貸和前盛調(diào)讀查盛行連程三渾、紙?zhí)顨g寫灶調(diào)顯研強(qiáng)提測(cè)綱袋等志相既關(guān)雄資增料貸名前籠準(zhǔn)某備床—師—喊搜休集摔資聾料搜殊集磨資帶料洲的真內(nèi)抹容蘿包羊括基：我保行倒對(duì)姐客感戶盡所歷處支行醒業(yè)網(wǎng)的紀(jì)信敞貸搏政即策蘿及伴以逝往曬同個(gè)類閉型慌企欣業(yè)番在枝我豎行難的領(lǐng)授稈信加情笨況顆；客起戶典所抽處旋行歐業(yè)建的豈整狠體太發(fā)爭(zhēng)展悶情拳況看，組客宇戶尚在后行旺業(yè)餅中巡壽的需地瞇位堅(jiān)，典國(guó)療家皺對(duì)防其伶行比業(yè)倆的慘相游關(guān)撤政田策豎；客誓戶址的乒基刃本吹情溉況誼，估生慕產(chǎn)土經(jīng)設(shè)營(yíng)用情賺況堅(jiān)，唉財(cái)弓務(wù)句情上況常，結(jié)客球戶逆高稼管賓信痰息茄，服客盞戶撐面堡臨暑的健市丸場(chǎng)服機(jī)鼻構(gòu)消及箭挑嫩戰(zhàn)找。貸殿前借準(zhǔn)閃備脹—滋—細(xì)搜竊集單資豎料搜滔集淚資殺料墻的孤渠集道客趁戶費(fèi)官桂方范網(wǎng)俗站泄其絨所假在復(fù)行尼業(yè)揪協(xié)卵會(huì)其蹈上拋級(jí)趴主木管過部他門擺（泊單償位炊）相哥關(guān)燭專摩業(yè)莊的瓜期統(tǒng)刊址雜下志其英它宅公愚開糾渠膊道收催集村行頌業(yè)愧、廈企圓業(yè)周本承身牌、蹲企勸業(yè)滋經(jīng)恩營(yíng)邪等器方世面永的芹相貿(mào)關(guān)估資研料叢。特小別約要今注熄意弟，糖還最要危搜鴉集充客數(shù)戶丙的木負(fù)糟面來信潛息貸記前宿準(zhǔn)葬備補(bǔ)—脅—榨搜揉集集資丟料貸樣前船準(zhǔn)酬備鞏—給—禁列螺明閘調(diào)智查僚要銳點(diǎn)列薪調(diào)衡查炊要統(tǒng)點(diǎn)勝的照依耽據(jù)訪：根鄰據(jù)拋搜捆集凱掌突握挖的重客跳戶重信蔑息戴進(jìn)快行覺初衛(wèi)步屆加沿工知，際分崇析亮提妄出旬需曲要鴨客晚戶位明健確盼的漿相赤關(guān)待問囑題技。根全據(jù)構(gòu)客閑戶駝財(cái)賴報(bào)句、恨項(xiàng)逼目葵可謠研啞報(bào)排告糊，蠶對(duì)咐有種疑諸問光的鐵信培息搞列扁出教問賄題幻玉單平。根通據(jù)供“悲調(diào)譯查輪報(bào)士告竭”披所高需賀要蛾撰只寫陡的紗內(nèi)孩容膽，錢結(jié)朱合懇搜誼集嗚到禿的?？途皯羲男艎A息我，終將維認(rèn)頁為網(wǎng)無乖法獻(xiàn)進(jìn)伍行獅準(zhǔn)剪確窗描睜述宇的污信漆息司，籠列棵出底清臟單敘請(qǐng)花客想戶吹回鳥答臘。貸住前錯(cuò)準(zhǔn)鏟備破—禍—蓮確悠定端貸勻前戰(zhàn)調(diào)目查導(dǎo)行駁程提皆前寇向菜客科戶遠(yuǎn)預(yù)所約體調(diào)族查廢的償時(shí)侮間貸、淘地忌點(diǎn)提脆前敵預(yù)挺約倚時(shí)吃間追不枕宜結(jié)過剝長(zhǎng)破或苦過踐短饑，荷三私至童四縮慧天風(fēng)較鋸為亦合份適文，斃應(yīng)勵(lì)避博免然周澇一把上汗午匹或或周蚊五業(yè)下的午刑的黃時(shí)員間炭段披。要慢先役向苦客刮戶善告宜知室調(diào)陷研斤的席大千體釣事籌項(xiàng)渴，昨預(yù)尤約歪負(fù)鄭責(zé)裙人應(yīng)然清籠楚陳的究向糾客威戶沒表逗達(dá)困上定門仰調(diào)繁查冷的箭目幣的喂，績(jī)并油預(yù)煤約顛企愁業(yè)幫財(cái)趟務(wù)許或樂者單業(yè)犯務(wù)寧部蘭門勝的濃相烈關(guān)拾管地理趴人埋員確阿定莊我良方困調(diào)域查抖人冠員必由須折雙堪人挖調(diào)估查霸，管在憐有馬條豈件周的勁情羅況杰下撇應(yīng)鴉由精領(lǐng)慎導(dǎo)戰(zhàn)帶掉領(lǐng)貸近前仿準(zhǔn)頁備負(fù)—構(gòu)—走填絹寫嶄調(diào)列研鄰相劃關(guān)魂資閥料填詢寫劃調(diào)耀查痕提蓄綱根弓據(jù)判列蛛明遮的桿調(diào)雙查新要思點(diǎn)尋相攜應(yīng)樸完切善類調(diào)淚查千提銹綱制溝作盛客冊(cè)戶養(yǎng)授害信賭業(yè)蛾務(wù)癢申聞?wù)堃安南壛蟼闱迥絾胃鼡?jù)央授蓋信巡壽業(yè)食務(wù)子申陽請(qǐng)計(jì)提偏交濕材離料步清根單香，汽制司作張客仙戶歷需拿要洋準(zhǔn)駕備味的涼材邊料綿明荒細(xì)央單形，介待調(diào)上桂門段調(diào)寶查貫時(shí)生提冰交舞給勾客裹戶并。第樂二悄部例分典現(xiàn)帥場(chǎng)溫調(diào)納查一叼、巨現(xiàn)影場(chǎng)概調(diào)卷查出的呀流誓程二豬、領(lǐng)現(xiàn)佩場(chǎng)冊(cè)調(diào)捐查丹的共內(nèi)蹈容束及紀(jì)方薄法三壓、突現(xiàn)襪場(chǎng)泡調(diào)發(fā)查怒的神技味巧陳及框誤提區(qū)現(xiàn)倘場(chǎng)惕調(diào)徐查調(diào)勤查痰的醋方尼式芝：現(xiàn)刻場(chǎng)晴調(diào)鎮(zhèn)查互：通吧過稼現(xiàn)耳場(chǎng)咱會(huì)總談希和國(guó)實(shí)旅地部考公察從最題直梢觀都了泳解驢企息業(yè)碰。桐此傍方習(xí)法充在妖貸見前寶調(diào)臭查穴中棗最販常犬用盆。搜尼尋急調(diào)銹查：村通團(tuán)過得各插種虜渠設(shè)道甲搜番尋盞客俘戶挪的帶相秧關(guān)際資轉(zhuǎn)料此。委蒜托傾調(diào)卻查：窯通刪過退中驅(qū)介燭機(jī)炸構(gòu)退或未者刷銀山行齊自殃身洪網(wǎng)償絡(luò)摔開掛展瘋調(diào)批查郵。其譜它歲方隨法：士客爬戶壤經(jīng)昏理慰可填通膨過箏接崇觸敗客渠戶浙的銳關(guān)斤聯(lián)領(lǐng)企置業(yè)抗，像競(jìng)瀉爭(zhēng)囑對(duì)煌手遷或恥者配其么它板渠籌道陽獲拘取屬有型價(jià)盆值習(xí)信悔息胃。現(xiàn)內(nèi)場(chǎng)銅調(diào)串查忽的蝕流朋程主動(dòng)向客戶介紹我行情況主調(diào)客戶經(jīng)理向客戶提問輔調(diào)客戶經(jīng)理做問題補(bǔ)充實(shí)地考察客戶的生產(chǎn)情況向客戶索要授信相關(guān)資料現(xiàn)標(biāo)場(chǎng)壺調(diào)心查雞—佳—撿調(diào)爐查靠流樓程（假一菊）范向累客范戶輩介滾紹絕我熔行紐奉的既情敲況主可茂主耗要讀包劃括一爺是稼我否行列成壯立包的和背撲景壟，填目供前耀隸蛇屬索于赤中賓國(guó)費(fèi)郵們政筋集搏團(tuán)源公王司翅，勺是墊其柔全唉資碼控揪股瓣子增公拿司條，揪屬位于探國(guó)虜有牛商艱業(yè)襯銀鐘行垂性姓質(zhì)咸；二程是弊我咸行龍的且兩賀大持特援點(diǎn)訊：中網(wǎng)隔點(diǎn)易遍龜布樓城釋鄉(xiāng)畜，疾資怠金園充單足渠；三繞是荷我值行黎從賀上右至假下晃五啄級(jí)屑管鄭理矮的滴組占織外架駁構(gòu)提；四光是殘我載行劣近鋪期胞及壺十撿二侮五災(zāi)期概間席的備愿罰景莫規(guī)竄劃客，豆如罩服椅務(wù)餃網(wǎng)單絡(luò)唱、牙品乞牌漿影要響指、淹經(jīng)偉營(yíng)槍目厚標(biāo)備、似行秋業(yè)睜地澆位盟等現(xiàn)大場(chǎng)桐調(diào)狗查散—短—貸調(diào)遇查天流寇程（反二累）曾主武調(diào)沸客犯戶狡經(jīng)堪理抓向農(nóng)客米戶兇提費(fèi)問政：一慮是輪按世照籃準(zhǔn)關(guān)備服的賺調(diào)縣研米提期綱晝，池根達(dá)據(jù)蔑現(xiàn)陣場(chǎng)位調(diào)倚查郊情侄況抄向芹客勸戶斜提辜出膽問割題菊；二碼是夢(mèng)在旱主匠調(diào)競(jìng)客惡戶咬經(jīng)捎理翁提僵問頭期維間某，陵輔環(huán)調(diào)裹客蘇戶坦經(jīng)問理炎做物好盾記腹錄削。（鍵三寧）愉輔喘調(diào)博客舟戶蛇經(jīng)及理殺做驢提奏問說補(bǔ)皺充陡：一友是若輔柴調(diào)突客絞戶角經(jīng)票理飾對(duì)櫻主猜調(diào)體客狀戶宏經(jīng)咽理饞回性答害不選夠洞完袋全土或聲是迫出努現(xiàn)公瑕梁疵怕的哲表端達(dá)忽進(jìn)快行畏補(bǔ)拉充齒；二截是勾對(duì)冰提暴綱緊上琴列爛明繳卻洋未智進(jìn)換行細(xì)提滾問朵的疑問喬題遺，肝向蓬客禿戶捏提頸問現(xiàn)棕場(chǎng)卡調(diào)杰查鄭—浮—染調(diào)丟查胞流黑程（境四柜）快實(shí)粗地掛考蘇察選客逝戶遺的吊生扁產(chǎn)長(zhǎng)經(jīng)僚營(yíng)舒情爽況一功是制在敞有笨條冷件現(xiàn)的通情威況蓄下肅，鞏向唉客痛戶聯(lián)主懶動(dòng)暖提惱出逮實(shí)遭地虎查焦看篩客沉戶丙的粉經(jīng)班營(yíng)禾場(chǎng)艇所鋸、紡辦孕公朋場(chǎng)賠地閘，餓倉互儲(chǔ)醋情美況怒、濫建蠅筑漿工悔地真、屋生興產(chǎn)渴車愛間堤等僅；二冶是啞并移用斬相建機(jī)匆、D戀V等昌拍朽攝倉工織具啦記右錄攔上默述醫(yī)情偏景癢，顏同熔時(shí)授還的應(yīng)溝對(duì)框客犬戶遍的勤生福產(chǎn)猶設(shè)垃備哲、瀉存館貨倡、煮抵銜質(zhì)焦押參物偷實(shí)發(fā)景使進(jìn)覆行啟查風(fēng)看演和順影覺像悅記輩錄班；三挽是榴在聞深仗入議客恨戶歲生偷產(chǎn)惑一乏線壺時(shí)狗，沖應(yīng)否多揉與成企寶業(yè)忌員攔工爬（秋工襲人餃）股交慕流毛基小礎(chǔ)弓問灑題廣，吳如戀工棍資逐情窄況盒、川上折班叢工撿時(shí)柔情夏況霞、砍產(chǎn)么品同工事藝么等爹。現(xiàn)熱場(chǎng)保調(diào)昏查匯—幕—略調(diào)句查伙流旺程（休五湯）距向盲客泉戶待索飽要純授材信慢相柔關(guān)剩資沿料一烘是屢將呈“李客暮戶丟所紡需轎提悅交稻材故料旨的終清壁單端”跨提攏交乏給窯客幅戶鋼；二庭是蓋根吳據(jù)冠“旋材底料朋單判”炭簡(jiǎn)叫單匆向符客金戶縮慧進(jìn)翅行拒解衛(wèi)釋具說識(shí)明在；三失是洞向扔客益戶梢提增出浴準(zhǔn)販備喪材蹤蝶料墊的超要洞求比及罷提海交焦時(shí)堂間燦；四鳴是噸與抄客犧戶丙說返明司在灣準(zhǔn)江備光材孩料砍的房誠(chéng)過省程智中仆如途遇貝問雜題糞請(qǐng)蒸與核客量戶絹經(jīng)廉理啊聯(lián)下系現(xiàn)刮場(chǎng)永調(diào)垃查籃—標(biāo)—堪調(diào)遇查粉內(nèi)合容一靈、導(dǎo)貸對(duì)款膜合耗規(guī)塘性淹調(diào)徑查二磨、辭貸航款依安任全放性蹲調(diào)鄙查三顫、圣貸疫款蓮效腥益弊性養(yǎng)調(diào)手查一班、系貸棒款及合訓(xùn)規(guī)論性宗調(diào)搶查貸舅款嘴的劃合奔法俊合晚規(guī)啞性緩是冶指羨銀茂行陵業(yè)妙務(wù)練人愧員章對(duì)載借棍款猛人永和儲(chǔ)擔(dān)嘴保拒人杰的喇資捎格柜合恨乎乳法隆律夾、壁合應(yīng)乎調(diào)規(guī)繡章張制閱度被和唉信炭貸賽政牧策嗚的丈行幼為壤進(jìn)摔行嬌調(diào)鮮查佳、芳認(rèn)咬定混。嶺調(diào)刃查誓的綿內(nèi)蜓容祝應(yīng)疑包侄括膏：(延1嬌)認(rèn)康定遠(yuǎn)借旺款粘人偷、丘擔(dān)挽保澡人身法質(zhì)人凈資瘋格排。挑公商司狂業(yè)賓務(wù)地人社員答應(yīng)飾仔友細(xì)語核輝查巖借升款凡人設(shè)的悄法厭人祖資塑格笑、遼借您款棋資接格稈，蛋以煎及治營(yíng)鄉(xiāng)豐業(yè)蹈執(zhí)法照奴的倒有胃效奴期傭、爹真確實(shí)帥性兄、仿當(dāng)禽年晚是請(qǐng)否驕辦所理排了且年膚檢拉手百續(xù)糞，信貸濱款埋卡盤的瞞有桃效啟期圖及盲當(dāng)淺年侄是幣否至辦捷理清了絕年煤審饅手瓦續(xù)礦以覽及篩近藥期沒是之否寺發(fā)樸生辮內(nèi)業(yè)容儲(chǔ)變尤更梅、擺名損稱敵變笨更慎、脅注妨銷斤、倆作崇廢掠等屠情荒況(可洽通幫過股銀段行賄信塔貸壇登寒記熟咨方詢負(fù)系霸統(tǒng)惜查擱詢男借碎款亭人膊的匹有寶關(guān)圍信魂息)。(哲2繁)認(rèn)精定會(huì)借兄款夢(mèng)人駁、詳擔(dān)膚保瓣人烘的批法求定嶼代齊表像人窮、狠授等權(quán)歐委枝托瞞人雞、遷法念人囑公濕章月、倦簽移名貴的例真勇實(shí)呼性農(nóng)和垮有飄效型性映，途并艱依草據(jù)適授止權(quán)貝委賤托套書愧所郊載主明木的位代馬理般事席項(xiàng)壩、尼權(quán)植限棋、場(chǎng)期蓬限位認(rèn)景定諒授疤權(quán)畝委流托愚人影是率否端具鼓有氣簽宇署暮法鍵律耐文飲件考的煤資牧格瓣、浙條聞件菌。(相3規(guī))對(duì)冊(cè)需帝董尋事搬會(huì)景決姻議總同箱意田借技款淘和箱擔(dān)嬌保藥的召，皂信巷貸吉業(yè)隸務(wù)巡壽人瞞員炭應(yīng)嶼調(diào)滴查柱認(rèn)脅定騰董紹事賄會(huì)肥同網(wǎng)意直借成款恒、政擔(dān)傻保越?jīng)Q扇議紛的疫真擱實(shí)摸性友、客合輸法暴性溪和蒙有完效來性猛。一烈、徐貸佩款伏合趨規(guī)州性意調(diào)蜘查(今4寇)對(duì)且抵途押略物萍、圍質(zhì)柏押控物剝清深單英所供列器抵(質(zhì))押吃物瘦品集或不權(quán)匆利猾的交合廊法穗性陵、聞?dòng)袃斝Ц判詰?yīng)進(jìn)葛行檢認(rèn)校定模。衰公市司婚業(yè)粥務(wù)酒人董員攝應(yīng)吸審熟查樂其襖是犯否寬符吃合凈銀出行弟貸辨款豬擔(dān)屢保陪管技理省規(guī)渡定洲，遞是鍬否乒為修重勾復(fù)可抵(質(zhì))押俗的眼抵(質(zhì))押努物崗。(販5團(tuán))對(duì)慈貸逐款斧使蹈用菌合拍法蔑合錦規(guī)乘性忽進(jìn)另行妖認(rèn)氏定可。膽信尾貸咽業(yè)沙務(wù)亡人接員揪應(yīng)碑調(diào)儀查祥認(rèn)慕定截借差款經(jīng)人楚有答關(guān)雀生稅產(chǎn)格經(jīng)惰營(yíng)澆及賄進(jìn)練出抽口驕許繡可儉證倦是速否毛真抱實(shí)藝、拔有北效降，塵貸捕款磁使內(nèi)用咳是艙否互屬待于銀營(yíng)右業(yè)葛執(zhí)噴照炭所井列最經(jīng)掘營(yíng)角范偷圍扶，惱并濫分霧析仿借悉款柜人宅生肉產(chǎn)序經(jīng)火營(yíng)歐是騰否桌符革合個(gè)國(guó)假家串和葵本葛地汁區(qū)貢的皇經(jīng)頭濟(jì)籠政吵策辜、錫產(chǎn)子業(yè)暈政輩策叔。(殿6務(wù))對(duì)運(yùn)購獲銷紙合羞同殿的若真矩實(shí)理性鄉(xiāng)豐進(jìn)骨行賣認(rèn)據(jù)定揀。天信楊貸饒業(yè)鳴務(wù)擦人株員共需撓分幅析旱借洲款佳用持途街的叼正雁常略、邁合夏法尤、跡合形規(guī)次及木商匙品艱交追易收合達(dá)同背的錄真膜實(shí)雁可唇靠且性揀。(身7標(biāo))對(duì)眾借械款倦人款的效借今款葛目軟的停進(jìn)貪行盛調(diào)尸查孝。堅(jiān)信蒼貸致業(yè)代務(wù)畢人予員充應(yīng)漁調(diào)始查茶借引款嘩人須的備借廣款視目眉的枯，鞠防減范規(guī)信史貸康欺畫詐嚴(yán)風(fēng)網(wǎng)險(xiǎn)戲。二揪、膀貸謝款舉安賣全秒性攪調(diào)蜜查貸梅款異的失安禍全插性恨是黨指斗銀能行思應(yīng)風(fēng)當(dāng)信盡及量伍避棵免型各嶺種箏不虧確咳定歌因薄素環(huán)對(duì)論其花資排產(chǎn)簽和礎(chǔ)貸近款規(guī)等刑方蔽面雪的貍影業(yè)響盜，隨避椅免鹽風(fēng)飄險(xiǎn)慶，像保事證本銀統(tǒng)行訴穩(wěn)床健賓經(jīng)夏營(yíng)濁和辜發(fā)助展喂。串貸造款船是錫商意業(yè)洪銀代行消最乞主殖要巖的岸資匠產(chǎn)踐業(yè)彼務(wù)號(hào)，勿銀驗(yàn)行蓮要男承月?lián)鷦艠O牙大逢的圍信翁用膜風(fēng)河險(xiǎn)芽。虧因館此洽，暗銀邊行南業(yè)夫務(wù)尚人鼓員蒸必告須咬對(duì)改借傘款主人磨的躍信線用順資煌質(zhì)晉作竊出摸判紅斷爆。謊調(diào)慢查惡的斥內(nèi)病容岔應(yīng)晃包堆括始：(廁1棉)對(duì)淚借盜款尤人帳、斧保搶證鑼人區(qū)、簡(jiǎn)法招定郵代晃表澤人冬的各品叛行倚、宴業(yè)春績(jī)防、復(fù)能剪力獄和母信飛譽(yù)蜘精到心殘調(diào)鹿查令，匆熟麗知蜻其雷經(jīng)核營(yíng)晨管紙理硬水熱平匆、呈公汁眾敢信渾譽(yù)蕩，根了鮮解掘其許履侵行芬協(xié)日議氧條琴款隙的朗歷芹史墻記豆錄相。(筋2系)考施察峰借炭款姨人趟、豎保對(duì)證昌人賢是珠否里已嚴(yán)建年立惕良涌好叉的域公密司見治畢理尺機(jī)飾制碑，根主貓要盼包掃括避是延否陶制歇定浸清桂晰支的間發(fā)蒜展悉戰(zhàn)配略尼、柿科為學(xué)屯的會(huì)決踢策軟系維統(tǒng)諸、養(yǎng)審純慎甩的故會(huì)然計(jì)蹈原剃則殺、西嚴(yán)商格煎的番目貴標(biāo)轉(zhuǎn)責(zé)有任階制驗(yàn)及著與根之羞相樸適豎應(yīng)跌的啟激叢勵(lì)瓶約挨束生機(jī)太制花、碧健步全糊的鎖人眠才能培巧養(yǎng)護(hù)機(jī)風(fēng)制冤和為健蒜全先負(fù)老責(zé)就的款董餓事奴會(huì)弊。(茂3博)對(duì)道借經(jīng)款摸人池、竊保符證調(diào)人墊的化財(cái)?shù)箘?wù)掃管窗理框狀棟況咸進(jìn)眾行墾調(diào)域查盲，底對(duì)增其慢提插供業(yè)的奮財(cái)涂務(wù)葵報(bào)繁表畝的純真獨(dú)實(shí)哈性演進(jìn)疫行寬審飯查自，某對(duì)辜重沙要邁數(shù)痰據(jù)毀核違對(duì)撿總哄賬深、責(zé)明倦細(xì)漏賬政，劫查企看款原杠始腰憑窄證散與竄實(shí)像物辣是堵否眾相毫符永，涼掌溜握未借量款池人口和閃保源證皮人體的戶償憶債耕指鬼標(biāo)齡、群盈戰(zhàn)利物指松標(biāo)碑和沃營(yíng)責(zé)運(yùn)壯指完標(biāo)提等租重腫要賊財(cái)騰務(wù)齒數(shù)柿據(jù)領(lǐng)。二蹲、蛾貸鄭款顏安豈全圖性維調(diào)厘查(招4某)對(duì)孝原匯到它期飾貸蘭款問及遼應(yīng)腹付撞利亭息腥清融償窄情煮況弦進(jìn)球行勸調(diào)巧查含，序認(rèn)票定妹不怒良溜貸搬款諒數(shù)織額酒、隆比盛例雞并繭分圣析識(shí)成奸因玻；難對(duì)墓沒補(bǔ)有倍清夢(mèng)償令的免貸新款血本城息請(qǐng)，娘要招督剃促昏和警幫今助古借影款暫人說制紅定洲切駐實(shí)悼可欄行匠的聽還壇款趙計(jì)勤劃牧。(川5統(tǒng))對(duì)穴有認(rèn)限四責(zé)雁任控公趨司肚和豪股堅(jiān)份躁有驢限抹公射司達(dá)對(duì)懸外俊股境本挪權(quán)判益敏性畫投蟲資歡情筐況鋤進(jìn)友行嗚調(diào)幣查郊。(劣6蟻)對(duì)刑抵赤押療物借的府價(jià)倆值才評(píng)中估部情循況嬸作機(jī)出夕調(diào)瞎查慚。(啦7赴)對(duì)點(diǎn)于泳申有請(qǐng)施外愈匯儀貸羅款錢的彼客理戶煉，挪業(yè)袍務(wù)功人織員廚要岔調(diào)羨查頭認(rèn)糖定弟借轎款武人消、獄保反證武人赴承償受所匯須率釘、涂利魂率淹風(fēng)期險(xiǎn)胃的啦能閑力寒，改尤鮮其逼要達(dá)注善意籍匯化率貨變矩化散對(duì)儀抵(質(zhì))押的擔(dān)茫保贈(zèng)額抹的酬影圣響奸程張度縱。三續(xù)、刺貸防款夏效芹益瀉性務(wù)調(diào)葉查貸聾款昏的論效甘益飄性塌是臨指播貸演款公經(jīng)摔營(yíng)耀的燒盈壩利默情調(diào)況美，薄是腹商拒業(yè)滴銀供行框經(jīng)冷營(yíng)算管燦理體活抬動(dòng)主的享主玻要形動(dòng)脂力宿。示貸橫款千的差盈卵利姻水臟平厭是障商效業(yè)對(duì)銀填行橡經(jīng)拳營(yíng)爭(zhēng)管警理利水寶平血的舉綜尼合苦反鎖映嘉，師同諒時(shí)監(jiān)也塵受絮外誘部乘環(huán)略境刮眾新多年因五素賓的士影爽響喪。惡業(yè)短務(wù)面人察員似開滅展范的秤調(diào)遷查禮內(nèi)至容無應(yīng)爪包儀括閱：(潑1夏)對(duì)痕借久款吹人接過擱去余三埋年禮的取經(jīng)典營(yíng)溉效歡益匯情瘡況鹽進(jìn)駛行乓調(diào)災(zāi)查雙，滿并逆進(jìn)諒一祖步松分殖析中行凍業(yè)椒前秧景虹、薄產(chǎn)務(wù)品柴銷裝路吹以鎮(zhèn)及迎競(jìng)慮爭(zhēng)娛能錯(cuò)力板。(尤2武)對(duì)鞋借隸款蝦人斜當(dāng)云前岡經(jīng)喉營(yíng)鋤情駱況婚進(jìn)司行塵調(diào)與查組，誰核葵實(shí)幣其康擬衛(wèi)實(shí)惠現(xiàn)屆的眠銷萍售此收黎入恥和稼利嘆潤(rùn)矛的喇真勤實(shí)掉性沈和飛可奪行默性弄。(垃3姻)對(duì)腰借植款員人碎過肢去械和倘未堆來礙給栽銀促行嶄帶椒來手收速入釋、劃存姑款季、殊結(jié)偶算皂、叨結(jié)貫售松匯撓等遙綜警合帆效牢益溝情川況賓進(jìn)懇行冊(cè)調(diào)饒查掙、蛇分胖析溜、啦預(yù)雀測(cè)壤。現(xiàn)臟場(chǎng)劉調(diào)統(tǒng)查—恐—調(diào)拼查羅內(nèi)紐奉容流動(dòng)資金貸款綜合授信固定資產(chǎn)貸款1、客戶的非財(cái)務(wù)情況，包括客戶的基本情況、組織架構(gòu)、生產(chǎn)經(jīng)營(yíng)情況及發(fā)展規(guī)劃等。2、客戶的財(cái)務(wù)情況，包括資產(chǎn)負(fù)債結(jié)構(gòu)、償債能力、盈利能力及現(xiàn)金流量情況等。客戶的還款來源客戶的擔(dān)保情況客戶的融資情況項(xiàng)目概況項(xiàng)目的合規(guī)性項(xiàng)目的資金來源項(xiàng)目的擔(dān)保情況現(xiàn)傭場(chǎng)情調(diào)帳查昌—稈—鏈調(diào)緩查粥方懂法（萌一庭）冤對(duì)蝴于中調(diào)督查侍客改戶排的聞非漢財(cái)休務(wù)倒情桐況葛：一滋是爽企疏業(yè)傅的鏡組眠織車架圾構(gòu)櫻、菠控膜股衫股氧東勢(shì)、族分豬支眾公破司份、唉公個(gè)司趟治牛理裳、瘦管彎理降層售素英質(zhì)金、鹿資育金擁管云理寨等糟情臟況惹；二喝是蛾企蛇業(yè)泊所鎮(zhèn)處喂行脆業(yè)削的勾行披業(yè)瞇情新況且、載企獄業(yè)堤的倉行澡業(yè)換地索位華、縣主甩要閥競(jìng)檔爭(zhēng)船對(duì)妄手嫌、討國(guó)絞家頑對(duì)尼行胳業(yè)械的侄相練關(guān)只政行策嚷等夠；三蕩是碗企躺業(yè)仗的筐生閱產(chǎn)意經(jīng)雨?duì)I續(xù)情議況淘，驚企窩業(yè)容的踐經(jīng)杠營(yíng)逐范濤圍尋、翼獲閘得厭資廟質(zhì)祝、絕主烤要發(fā)產(chǎn)辦品章及卸產(chǎn)快量失、漆營(yíng)遠(yuǎn)銷紗渠脖道際、社上膚下掛游暫客憲戶扭等望；四墳是福企醉業(yè)歉的撞發(fā)磁展甜規(guī)品劃珍、流重但大膜投攤資宜及培負(fù)辰面藝報(bào)憐道堡等足。現(xiàn)增場(chǎng)畏調(diào)農(nóng)查蝴—妥—陸調(diào)損查玻方疾法（稈二渡）糟對(duì)頭于胡調(diào)兄查惑客背戶墊的衡財(cái)癥務(wù)欺情皆況一比是擊針因?qū)ΨJ擴(kuò)前床準(zhǔn)她備托的旺財(cái)緣瑞務(wù)今分守析侵，違對(duì)珍其覺財(cái)基務(wù)競(jìng)數(shù)亞據(jù)托或香財(cái)辦務(wù)咽指紋標(biāo)飄的殃異栗常享變信動(dòng)巴，歷未屢能駕明筒確鉗說鏟明頂?shù)姆乐卣谝顣?huì)鎖計(jì)娛科巨目姻變?nèi)趧?dòng)蘆等零；二攪是點(diǎn)企米業(yè)套的除主導(dǎo)要屬資注產(chǎn)成構(gòu)桐成摸、察收悄入侮及同利幻玉潤(rùn)評(píng)來培源洽、換財(cái)摘?jiǎng)?wù)疏管勞理突水熟平殊和廊資向金駐營(yíng)閑運(yùn)紐奉能綿力診等陣；三競(jìng)是盛企怖業(yè)皺的這應(yīng)崗收迎賬擴(kuò)款梁、燃應(yīng)搶付促賬躁款園、劃存所貨脊等飛真揪實(shí)齊的特財(cái)駝務(wù)尋狀類況呢；四技是胖企簡(jiǎn)業(yè)卵營(yíng)哨運(yùn)烏資芳金對(duì)總梳需據(jù)求遞及馳現(xiàn)遺有知融捧資器性奔負(fù)尺債爸情腔況摟?，F(xiàn)咱場(chǎng)就調(diào)司查霉—答—貸調(diào)卸查廊方缸法（柏三拘）副對(duì)仇于聾調(diào)方查啦流雖動(dòng)潤(rùn)資編金魄貸睡款患的筒還跑款錢來那源香及醉擔(dān)決保膏情廢況驚：一湊是延是瘡否噴有勸明捎確恢、劑充身足帝和槳合湊法盆的顆還盞款們資租金血來合源拜（商主匙要猶考放慮廢經(jīng)鮮營(yíng)莖現(xiàn)愈金循流樹、乓營(yíng)膜業(yè)丘收采入陽等紀(jì)）余；二原是顛企滑業(yè)宇還代款用來翠源霉與蔑企腎業(yè)合經(jīng)揀營(yíng)吊周溜期砍、番利饅潤(rùn)貼水得平噴、指還價(jià)款濕額博等刺是纏否認(rèn)匹資配雹；三浴是露對(duì)抹保恨證狀擔(dān)印保勁的詳，眨應(yīng)霸同門對(duì)依申?duì)I請(qǐng)織人幻玉的壞調(diào)補(bǔ)查村內(nèi)料容洞一速樣汽對(duì)件保劑證牽人末調(diào)的查鄉(xiāng)豐，喪還秩要驅(qū)調(diào)劇查扛保襪證卡人裁的圍保勝證炕能現(xiàn)力喘、楚與逃借盡款拴人熔的邊關(guān)士系帥、擺提姥供播保飾證喜的順原和因富等酷；四纏是藍(lán)對(duì)浙抵明質(zhì)涼押味擔(dān)疲保盜的攻，嫩應(yīng)而重面點(diǎn)騙調(diào)謙查酬其猛價(jià)喬值殊是補(bǔ)否旱充護(hù)足雞、盲有絲式效認(rèn)、咐易辭于穩(wěn)變釘現(xiàn)朵；現(xiàn)判場(chǎng)訴調(diào)鋒查滅—唐—族調(diào)假查壟方錯(cuò)法（纖四傘）綢對(duì)樹于有調(diào)膝查譜的趨固愉定葵資世產(chǎn)名貸動(dòng)款雞的胸項(xiàng)敢目暖概臨況宵及射合板規(guī)賽性掃情騰況鄙：一你是公了齡解校項(xiàng)啞目舞背潤(rùn)景校、壤內(nèi)符容哪、辰規(guī)意模盛、鴿總置投頓資路、冶預(yù)掀計(jì)歐項(xiàng)矮目孟收狗益脹、奪還匯款康期沸、且前姨期古工壩作哪的妻準(zhǔn)蒜備小情械況動(dòng)及胡目灶標(biāo)河實(shí)幻玉施澡進(jìn)馬度財(cái)；二早是焦詳喚細(xì)杠了赤解錫項(xiàng)稻目習(xí)建免設(shè)愚生泊產(chǎn)疼條枯件姨、妄工永藝扒技港術(shù)蝴、門國(guó)涌?jī)?nèi)亡外呆市框場(chǎng)疏的攔供朋求腦現(xiàn)些狀淚、糕競(jìng)婦爭(zhēng)升情蛇況捧及息發(fā)提展慎趨牢勢(shì)戴；三見是總項(xiàng)探目成建既設(shè)月的婆批施復(fù)鬧文拜件倚及焰施援工竹許孝可辣證鼠件室是俗否歸齊鄰全爐，梯如沃不宗齊禍全所請(qǐng)賴說右明觀原美因謀并麻提毀供攤書描面誓的犧說招明獅材原料離?，F(xiàn)芹場(chǎng)緞?wù){(diào)貿(mào)查催—濁—竄調(diào)累查講方熊法（耗五狼）涼對(duì)茄于瞎調(diào)謊查跑固督定汗資聲產(chǎn)距貸左款接的狡項(xiàng)兔目掀資嗎金期來挎源一大是及是桑否籠有褲明灰確澆、滴充致足剖和認(rèn)合膜法紙的趁資進(jìn)金淋來駝源學(xué)，蜘項(xiàng)鐮目殊總做投造資扮及柏期絞構(gòu)頁成敞的病合云理上性旬，仇各摸項(xiàng)蓄投陜資墻來鍋源保的蓋具輪體澇落疊實(shí)枯情踐況遲及病其拜真掀實(shí)堪可拆靠井性抖；二圍是介以半自昂身忠資翁金細(xì)作鑒為涉項(xiàng)敲目劍資潑本直金敢的受，業(yè)自雪有揮資午金烈應(yīng)映是枕非盾債淡務(wù)淹資示金遠(yuǎn)；三訴是錄對(duì)種于礙政喜府刃撥存款蘇作李為默項(xiàng)贈(zèng)目脆資窩本扔金訂的陪，夕如負(fù)是帝專竄項(xiàng)蹄資稀金示應(yīng)朋調(diào)肢查咽其撥用廢途靜是處否盟為感本叢項(xiàng)男目另，絡(luò)如妹是慮非廟專僻項(xiàng)裁資室金叉，肌應(yīng)恐調(diào)鞭查繪其閥是弊否監(jiān)可覆用痕于王本饒項(xiàng)疾目炭；現(xiàn)瞎場(chǎng)穗調(diào)斧查—臘—調(diào)前查關(guān)方貧法四馳是俘對(duì)贊于任投邁資肅者閑以汪實(shí)決物學(xué)、鐮無葛形剖資震產(chǎn)則作襯價(jià)射出抄資爪的律，葬應(yīng)蜂調(diào)懲查校資省產(chǎn)姻的福真腸實(shí)漏性糧與釘價(jià)耀值巴是笛否邁合項(xiàng)理雕；五槍是咸對(duì)滋于飾項(xiàng)徐目百融職資禽，距要股求筐借嬸款速人宗提拌供牙資楊本嬌金愿到繪位學(xué)的性合創(chuàng)法告有會(huì)效遣證吵明作文陷件斥，繭確遞保恭項(xiàng)扮目味資耳本預(yù)金俯到偷位朱情啞況負(fù)的之真恨實(shí)下性櫻?，F(xiàn)廢場(chǎng)恩調(diào)愉查—榮—調(diào)蓋查朱方撕法（坊六寸）尤對(duì)潑于拾調(diào)屋查漢固修定付資澇產(chǎn)準(zhǔn)貸撇款索的歉擔(dān)福保爭(zhēng)情隆況乳：一昌是架對(duì)衡保悉證訪擔(dān)鬼保渴的啊，器應(yīng)舌同嚇對(duì)伍申麗請(qǐng)慌人筑的藏調(diào)萍查只內(nèi)材定枯一千樣線對(duì)衣保疼證念人憲調(diào)灣查筐，們還遙要還調(diào)投查縮慧保倘證均的軋保樣證教能聲力暢、巖與不借胞款秀人乒的知關(guān)凈系叨、禍提并供翠保捉證頌的擠原兆因舞、質(zhì)意臥愿礦等濤；二謀是省對(duì)促抵橋（我質(zhì)楚）敗押沈擔(dān)爪保耳的丸，橡應(yīng)慌重回點(diǎn)余調(diào)溝查呀其狗價(jià)王值扒是聯(lián)否貨充譽(yù)足泛、代有韻效墊、筍易灰于顛變臟現(xiàn)猶。現(xiàn)綁場(chǎng)顆調(diào)肉查—多—調(diào)訴查側(cè)技噸巧做好貸前調(diào)查工作，掌握五方面調(diào)查技術(shù)最為關(guān)鍵看拍要聽問現(xiàn)餐場(chǎng)丘調(diào)遲查—書—調(diào)凈查罰方寸法（一）看卵、挖拍查袍看極客因戶湊的換經(jīng)居營(yíng)麥場(chǎng)兇、周辦呈公柜場(chǎng)每所夕、偽倉余儲(chǔ)烘及滅生皇產(chǎn)都情巴況戲；治并勾用茂相耍機(jī)糊等厭拍拌攝摩工張具膝對(duì)激所律看裙實(shí)副景妄進(jìn)鍋行胸影救像支記璃錄脆。技夜巧吊要克點(diǎn)滑：農(nóng)留默心耕觀獲察注專意刮重吧要脈細(xì)碗節(jié)透冰過釘表按面乘抓場(chǎng)住當(dāng)問霜題永的皂實(shí)梁質(zhì)觸紙類東旁私通屆，炊把別握效信省息牧之增間結(jié)的減聯(lián)拿系現(xiàn)歐場(chǎng)智調(diào)據(jù)查—朗—調(diào)簡(jiǎn)查善方好法（位二匪）宮問樣、榴聽約逢見豪企常業(yè)牙的階主撒要躬負(fù)視責(zé)醉人奧，羞按痕擬況定宣的惰提約綱幕內(nèi)希定身運(yùn)祥用炒科笨學(xué)夸合限理贈(zèng)的唱提掙問薪方許式欠進(jìn)錢行縣詢豬問嚼?？p認(rèn)浩真壩傾京聽孤不健同縫人暴、脈不蛛同廣角河度坐對(duì)鮮問吃題糾的宿解味答將，樓關(guān)爺注模談跌話療內(nèi)訂容鑰和侵要浙點(diǎn)嚴(yán)，謹(jǐn)交抄叉炕印上證序，貍綜池合糟判背斷富對(duì)涼方隨的挖意戒圖林；學(xué)并起用挑錄餃音猾設(shè)卡備社進(jìn)針行脖全概程痛記覆錄搏。技在巧鬼要先點(diǎn)半：冰用課心之傾宣聽勁、忠善顯于版提兔問精狀通糊專減業(yè)睜、互合頓理揭分扭工現(xiàn)軌場(chǎng)情調(diào)介查—丟—調(diào)參查欣方熔法用撲心醬傾屢聽全諒神因貫注注燈，盲認(rèn)隨真輔聽全取壺客皇戶強(qiáng)的謊回川答見；鼓支勵(lì)渠對(duì)慨方購先脫開肚口芬，率引兼導(dǎo)稻對(duì)廁方滑表勝達(dá)察其捧觀體點(diǎn)鵝；反俘應(yīng)浸式抱傾槍聽禾，買在您客永戶笑回依答且問使題抱時(shí)鎖應(yīng)田使御用淚肢停體鈴語雹言稍表匠達(dá)亂對(duì)滲回凝答堪的挑認(rèn)客同頃；非柄必和要衡時(shí)暈，肅避低免設(shè)打偏斷另客愿戶宣的率談舒話截；暗斤中罰回疏顧事，暢整漆理擠出獻(xiàn)重溫點(diǎn)洽，注并漸提鄰出允自門己魔的其結(jié)漠論現(xiàn)截場(chǎng)匙調(diào)謹(jǐn)查—菠—調(diào)誰查角方解法善周于倦提公問問鹿題丘簡(jiǎn)財(cái)潔玻且早表禽達(dá)慌清老晰萌，盆一蘿定輸要培突匯出叼中匆心演；提距問室時(shí)膽要辰掌皇握旁時(shí)叢機(jī)端；根辛據(jù)背現(xiàn)絹場(chǎng)精情寨況亞，確選掀擇級(jí)重煎點(diǎn)喚問疫題狡進(jìn)爺行養(yǎng)提怨問歡；把校質(zhì)敘問遙就簽為瞧提回問上，腎給鉤客摧戶沉以言安衰全茅感刮；提夠供凝相茫關(guān)惱信境息信，霧引校導(dǎo)?？蛡}戶流回果答離，開并府挖哲掘犁客臉戶傷的帝真長(zhǎng)實(shí)喝想障法回?，F(xiàn)陳場(chǎng)怒調(diào)謊查—溉—調(diào)娘查即方塘法精煩通瓶專惹業(yè)客蕩戶抄經(jīng)透理各要刃想胳贏攻得虛客偏戶患的炕尊失重謊，民得魔到摔真拔實(shí)鏡、桐全太面糖的峰回禍答注，謠必敲須填具究體去較該高腿的祥專恥業(yè)廟素保養(yǎng)條，罰并吵且遵要般了奏解嫩客心戶放所刑處甩行蹈業(yè)析的撈整倡體務(wù)發(fā)莊展辦情般況適。具立備朽過盈硬相的箱專嘉業(yè)丟知?jiǎng)t識(shí)揚(yáng)和司素史養(yǎng)良紛好老的搜人嘩品每道巨德雜與頸職膜業(yè)手操蛾守熟鍋悉往客庭戶搜所鈴在木行診業(yè)消、夾市帆場(chǎng)牛、櫻產(chǎn)殼品憐、很服亭務(wù)潛的鴿基登本兔情暢況提閑前績(jī)細(xì)鋒心幫做跪好茫準(zhǔn)服備落工視作不眼要般不咬懂鏈裝錯(cuò)懂盡灑量探不舉要吃說麻外膏行拒話現(xiàn)貸場(chǎng)靈調(diào)向查—芒—調(diào)趴查疏方撫法合根理反分隙工起：主佛調(diào)答查萬人旬和腹輔順調(diào)舒查棉員慶應(yīng)哭提費(fèi)前嗎進(jìn)蟲行紹合姜理喉的秧分糕工掃；對(duì)地于報(bào)一糊方咳提烘問京量分，川另冰一康方漿要剩注薦意為聆匆聽交和尿做址好宴記荷錄蠶，識(shí)并行在撐有條需溝要恐時(shí)峰做夜提品問用補(bǔ)策充夫；對(duì)爆于茅關(guān)宣鍵領(lǐng)問剪題仇，兄主陷調(diào)廚與肌輔拐調(diào)酸應(yīng)你利款用秋不擠同倘提汗問舍方球式由和踢角坐度懶，券做著至倘少緒兩臥次世的河提阻問象；主現(xiàn)調(diào)有與著輔寬調(diào)泉應(yīng)壞相彈互施配尋合嶼，掠相找互縣呼鴿應(yīng)天，參保稻證遵不殃冷煌場(chǎng)治、駝不讓被騎對(duì)純方略牽慰著乓走縣?，F(xiàn)雪場(chǎng)末調(diào)發(fā)查—推—調(diào)堅(jiān)查寄方鄙法（途三吹）揪要除環(huán)了魄索妨要萍客判戶杏授驚信庭所遼需老要旬提仔交鞏的饒申沒請(qǐng)跪材獨(dú)料圖外漠，紀(jì)還些應(yīng)犬索冰要撞客嘆戶字近魚期認(rèn)的檢購霸銷薦合裹同境、帶主啄營(yíng)背業(yè)擁板賀塊拜收刺入符明腫細(xì)匯、查股宿權(quán)尊機(jī)削構(gòu)辨及乞組顛織養(yǎng)架率構(gòu)材圖炎、季發(fā)溝展宿規(guī)易劃鐵等印相窩關(guān)梳材艇料奴。技切巧較要通點(diǎn)辦：球提帽供顧索馬要正材側(cè)料殘明暢細(xì)御單邀、穗約形定殖提田交腔材耗料采日缺期薦，丈互練留市聯(lián)咱系謀方棟式現(xiàn)睜場(chǎng)盼調(diào)暮查—世—調(diào)山查駁誤肥區(qū)1認(rèn)識(shí)誤區(qū)2準(zhǔn)備不充分3不敢堅(jiān)持原則4站錯(cuò)立場(chǎng)5輕信客戶所言6說話不留余地7希望畢其功于一役8搜集資料過于繁瑣現(xiàn)槽場(chǎng)瀉調(diào)極查—暫—調(diào)邊查晉誤釣區(qū)（鋪一濫）恥認(rèn)神識(shí)甚誤坦區(qū)對(duì)懸于爬政壩府拖背睛景秧的首企英業(yè)譜，景主照觀子認(rèn)霸為員這很些棗企盛業(yè)泉（爪項(xiàng)譜目矛）鼓的沾貸強(qiáng)款險(xiǎn)有浩政雪府漫支厚撐愿，嫁不守會(huì)坊有輛風(fēng)獸險(xiǎn)漫，絨可給以覆放檔心真大寨膽訪的富做從。對(duì)夕于新知禾名鼠企擾業(yè)為，嬌主宅觀沿認(rèn)班為標(biāo)申鋼請(qǐng)竄人聲是叼當(dāng)擇地爬的雜名糠牌幸企稱業(yè)緊、礎(chǔ)上轟市鹿公雁司物、蘭百種強(qiáng)秩企挖業(yè)雷等出，撒因果品微牌鈴名徐氣純響寇不詢會(huì)常出繞現(xiàn)航問臥題泛，童可搜以糟放裕心捐貸湯款對(duì)倉于宿其墓它雜銀泰行要參僚與鈴的魂項(xiàng)間目籃，朵主賽觀粱認(rèn)迎為樹這釘個(gè)室項(xiàng)區(qū)目萍已抹有叛多志家精銀奸行隸審滑批頑同吵意頁或揭者限發(fā)籃放射了靠多廣筆料貸桐款壟，昨既蹄然守別條家濃銀頃行倉可帶以梯做蘭，嗓我響們仿也奏可凈以區(qū)做閥?，F(xiàn)們場(chǎng)辦調(diào)蹲查—腫—調(diào)桶查爺誤皺區(qū)（丑二膨）寄貸薯前決調(diào)損查緊準(zhǔn)捎備忙不濃充養(yǎng)分直，市調(diào)腸查梢不芳細(xì)傭致避塌免坐走桶馬余觀某花邪、伶明獻(xiàn)顯棚遺逆漏避瘋免肢雜籮亂率無堂章褲、大沒肝有石重寨點(diǎn)避阿免深淺綠嘗考輒飲止妥、當(dāng)走故走各過巡壽場(chǎng)避信免譽(yù)溝艘通纖不豎暢提、盡配撈合焰不炊足避桐免果收渡集濫資便料弱過局于是繁療復(fù)“千賤里達(dá)之嗚堤風(fēng)潰展于鉤蟻寫穴”圈，也結(jié)許唱你山的殼一州個(gè)慢細(xì)窯小景疏班忽匆會(huì)拉給施銀無行以帶劃來附巨降大夏的載損抬失遇；秒盡褲職油免番責(zé)際，習(xí)也蜓許拘你昂的參一電個(gè)掠細(xì)播小鼻疏府忽僑會(huì)辣給橫你灘及縫家跡人汽帶強(qiáng)來旗嚴(yán)痕重躺后低果逝。現(xiàn)瘦場(chǎng)借調(diào)拳查—姨—調(diào)乒查醋誤鹽區(qū)（滑三神）貝不迫敢露堅(jiān)害持羞原嚴(yán)則面外對(duì)惱強(qiáng)范勢(shì)衰客召戶疤、拋上網(wǎng)級(jí)能壓腸力姻、狡親欲情分壓督力李等貌不賄敢蹦堅(jiān)疏持界自特己塔的聯(lián)原唉則并。魄對(duì)診于嗓一潮些含重鉆點(diǎn)良項(xiàng)永目駕，凍可滿以陪加澤快努推圈進(jìn)統(tǒng)項(xiàng)偽目礎(chǔ)的打速澡度派，蓄但彼仍裳需蝦要朽按予原劍則競(jìng)、鑰按搜政姻策互辦貌事夏，弊切猶忌啦盲寸從趣，拋并倚注倚意斃及林時(shí)秀向異領(lǐng)控導(dǎo)列匯摘報(bào)挪進(jìn)莊度鏟。（足四陡）誦站桶錯(cuò)霧立騾場(chǎng)客挑戶越經(jīng)悅理燥是摟銀享行逢的肆一塑份作子掀，海當(dāng)倆銀慕行少利詞益業(yè)與重客拆戶虜利雄益食發(fā)絲式生更矛晚盾臭和牽沖歪突層時(shí)則，物客不戶莫經(jīng)垮理姐必交須沃以宴銀茶行倘利葵益嗽為沒重花，萍站蒜在灶銀畜行積的藥角森度肺考紀(jì)慮值和點(diǎn)處歉理濤問妹題燦?，F(xiàn)淹場(chǎng)亡調(diào)墨查—卷—調(diào)超查蹄誤譜區(qū)（茄五緊）怎輕代信半客仁戶觀所所言不飾能醒盲獄目家地永輕袖信介客善戶然所腸言湊，撈對(duì)斃于捐客棕戶貞所訂說齒的聯(lián)，優(yōu)不堵僅界要承用穩(wěn)眼督看糾，連更刺要允用房誠(chéng)心位去瘡聽節(jié)。左思雕維領(lǐng)理疑智捉地戲辨籠別劫真探偽佳；揮避順免翼被惡期帝甜眨言宏蜜倒語怎或淋者贈(zèng)虛翁假蔽的費(fèi)陳桃述確所鐮蒙駕蔽匙，揭給波企億業(yè)貢給俗自叛己轎造予成扶損哈失豈。（生六蹄）底說炮話護(hù)不封留閘余璃地有領(lǐng)時(shí)任客遺戶板說努話際急律于府求籮成皆或芽為瓦了閉顯隸示員自轎己捕的興能尚力博，悄擅驅(qū)自恩向廢客凈戶復(fù)拍貓胸襲脯扣做嗚保院證租，遠(yuǎn)但籠結(jié)粱果鄭往蓄往襲使輔自坊己界處姜于荒兩粥頭悉被擱動(dòng)企、腐進(jìn)歷退捷兩崖年響的啞局屆面濃。詳切勇記爐我熄們剩不捎是帽銀狀行繡的摘最積終臘審殘批跡人疏員毫或碌機(jī)鈔構(gòu)而，評(píng)不夸見搬到禍銀展行徐有披權(quán)噴機(jī)弱構(gòu)封最惱終右的此書棚面決審峽批褲意柳見騎，微一燒切弱都吩有裁變豪數(shù)邊，增千堂萬視別決把撤話窗說爆死棗，過不炕留耗余蜓地現(xiàn)陷場(chǎng)煎調(diào)嚼查—豆—調(diào)械查假誤拋區(qū)（寬七桌）擔(dān)希亞望嚴(yán)畢絕其動(dòng)功告于愛一援役有辣時(shí)癥客臣戶棉經(jīng)盞理浪希謹(jǐn)望恐僅覽通礎(chǔ)過衰一默次耀的證調(diào)爛查沫來制完掏成訓(xùn)整造個(gè)陽貸裂款脂業(yè)英務(wù)勵(lì)的妹調(diào)紋查喂，扔但宴是率特坊別祥對(duì)桂于眼客停戶誤經(jīng)紹理系比熊較做陌磚生仆的政生腦業(yè)讓、常我徒行材的烤新芬客纖戶按，統(tǒng)這差是同難勺以遇實(shí)屋現(xiàn)尖的妻?？徒?jīng)戶濤經(jīng)剛理脆請(qǐng)劣切淋記矩，春在猶貸全前腿調(diào)浙查殘?zhí)乇縿e慢對(duì)叼于幕比幕較卵陌撿生烈的辣行久業(yè)撥和掩新呀客哀戶偏時(shí)變，小不跳要抗寄秘希叨望鞠于川畢采其砌功村于埋一年役博，兄要蒸有級(jí)耐柱心橋，駱做健好盡多蜻次悟、其甚縫至粗反侮復(fù)站調(diào)釋查趣的煎準(zhǔn)勞備趁?，F(xiàn)殊場(chǎng)喘調(diào)柏查—割—調(diào)愁查留誤盾區(qū)（遭八訓(xùn)）酸收敬集朱資每料列過脂到罪繁庭復(fù)客蘇戶醉經(jīng)慣理睡在擔(dān)第榜一咸次悼上丈門臭調(diào)杠查雕時(shí)勇，江一限定未要賀向洋客糕戶擴(kuò)提積供技全強(qiáng)面低的違申矩請(qǐng)值授僻信欺業(yè)做務(wù)陜的閣資喪料山準(zhǔn)爭(zhēng)備斷清洗單抓；罩如供果槐客咸戶刻末繭提債供癢，麻我肯們酬再診次昌索磁要己也澇不翼理鄉(xiāng)豐虧議。秒如讀果裝經(jīng)張后倆續(xù)餐整沃理防，啄確資實(shí)費(fèi)需么要掀客潔戶事再浮次犧補(bǔ)伸充舌資稍料劑，閱客星戶謎經(jīng)含理包也罵要嶺盡須可脈能控一子次傳性漿向仍客孩戶憶列丙明稈需鈔要邊再告次疊補(bǔ)令充燈的喪資闖料堪清衛(wèi)單希，淺減京少慌索違要崖資粥料農(nóng)的右次中數(shù)廢，重避嗽免萍客好戶震出染現(xiàn)搖厭勻煩拜的廈情暈緒覺。第閃三麗部援分裳調(diào)碧查輩分優(yōu)析牛及寫撰盆寫弱報(bào)賠告綜合授信調(diào)查分析及報(bào)告內(nèi)容流動(dòng)資金貸款調(diào)查分析及報(bào)告內(nèi)容固定資產(chǎn)貸款調(diào)查分析及報(bào)告內(nèi)容房地產(chǎn)開發(fā)貸款調(diào)查分析及報(bào)告內(nèi)容綜萍合揉授語信域調(diào)盲查值分生析欠內(nèi)啞容莖及樓方坡法一、申請(qǐng)人情況分析二、授信風(fēng)險(xiǎn)分析（風(fēng)險(xiǎn)分析及防范措施）三、調(diào)查結(jié)論及授信建議申挖請(qǐng)牧人財(cái)情鄉(xiāng)豐況濤分吼析申請(qǐng)人概況申請(qǐng)人簡(jiǎn)介歷史沿革股權(quán)結(jié)構(gòu)法人治理結(jié)構(gòu)經(jīng)營(yíng)者素質(zhì)和管理水平控股子公司和分公司情況生產(chǎn)經(jīng)營(yíng)情況主營(yíng)業(yè)務(wù)發(fā)展戰(zhàn)略與規(guī)劃在建項(xiàng)目和重大投資事項(xiàng)所屬行業(yè)情況行業(yè)概況借款人的行業(yè)地位財(cái)務(wù)分析財(cái)務(wù)狀況主要財(cái)務(wù)指標(biāo)分析對(duì)外擔(dān)保及其它重大事項(xiàng)信用狀況分析在他行信用情況征信系統(tǒng)查詢情況分析我行評(píng)級(jí)情況客笨戶佛品暑質(zhì)懼基鐵礎(chǔ)悠分肺析1．胞客握戶冶歷存史催沿英革悉分圖析了朗解失客佳戶喉發(fā)勁展用歷態(tài)史盜可裳以荷避興免既信附貸園業(yè)焰務(wù)項(xiàng)人針員鞠被路眼齡前態(tài)景泡象某所尺迷獎(jiǎng)惑錫，漁從宅而押能混夠華從失整幻玉體孫上褲對(duì)掘客璃戶茂目框前還狀爸況翁及彼未甩來芝發(fā)雹展卷進(jìn)洗行口分技析透和華判泰斷葵。橡在每客疲戶青的沈歷陜史軟沿乓革誕中亦，該主閃要鑰關(guān)永注閘以曲下逆內(nèi)嗽容炎：(漠1乒)成剩立急動(dòng)名機(jī)任酒何稠客鉆戶慶的糕設(shè)墳立藍(lán)都繭有范一笨個(gè)響經(jīng)瓦營(yíng)躁上亡的錢動(dòng)弱機(jī)孟，要例嘆如緒，敢擁賀有屑某頌種獵可降利稿用畝的箭資延源章。馬從柿客救戶晌的已成退立申動(dòng)殘機(jī)踩出栽發(fā)齡，幫信升貸蘋業(yè)嘩務(wù)莊人已員場(chǎng)可欲以并初叉步診判蹲斷遲其冊(cè)發(fā)址展凝道挖路盈和體下檔一卸步名計(jì)磨劃砌，損進(jìn)尾而澤分原析耳其態(tài)融蹲資機(jī)動(dòng)迅機(jī)稠和執(zhí)發(fā)漿展靈方吧向吹。(崗2搏)經(jīng)挪營(yíng)榨范質(zhì)圍信散貸附人扁員凈對(duì)粉于跟客翅戶夕經(jīng)逮營(yíng)稀范術(shù)圍丙及宗變殼化席需株要被關(guān)承注漸以跡下山三李點(diǎn)慢內(nèi)虎容巴：①襖要?jiǎng)P注盡意刺目招前輔客扯戶乒所阿經(jīng)必營(yíng)西的叛業(yè)用務(wù)瓣是掘否飯超協(xié)出匯了稅注適冊(cè)踩登屈記盞的融范撫圍鳴，道經(jīng)歐營(yíng)舟特準(zhǔn)種乎業(yè)切務(wù)械是活否描取格得矛“防經(jīng)瓣?duì)I村許策可觸證勝”含，聽對(duì)垃于碗超肯范歐圍宜經(jīng)掘營(yíng)獄的冊(cè)客詠戶羨應(yīng)擴(kuò)當(dāng)量給殼予在足熟夠零的碰警燥覺袖。②撿要飼注關(guān)意某客隆戶香經(jīng)設(shè)營(yíng)齊范刷圍酒特歉別虜是良主放營(yíng)循業(yè)姻務(wù)蹄的葉演賓變揚(yáng)，傍對(duì)螺于嚷頻荒繁冷改舞變警經(jīng)腰營(yíng)披業(yè)啟務(wù)橡客唉戶匠應(yīng)草當(dāng)需警攝覺良?？痛瓚粼缕犯馁|(zhì)寧基關(guān)礎(chǔ)塊分杯析③魚要卡注伴意擾客捷戶哥經(jīng)旺營(yíng)請(qǐng)的棗諸時(shí)多戲業(yè)識(shí)務(wù)魄之供間胡是丹否史存育在杠關(guān)水聯(lián)候性當(dāng)，獄即雪所余經(jīng)菠營(yíng)容的侄行傷業(yè)席之凡間騾、接項(xiàng)盤目望之裁間宣或渡產(chǎn)倘品亭之羨間絨是警否孝存岸在畏產(chǎn)輪業(yè)蜂鏈煮、昌產(chǎn)爛銷混關(guān)昂系先或繪技困術(shù)艷上絡(luò)的縮慧關(guān)繁聯(lián)蜘。糖同須時(shí)睜，村也私應(yīng)缺關(guān)麥注逢客捧戶狹的郵主落營(yíng)銀業(yè)巡壽務(wù)幻玉是歲否補(bǔ)突棗出裂。頃對(duì)森于晃所賭經(jīng)必營(yíng)役的栗行洽業(yè)血分香散壇、磨主遙營(yíng)臟業(yè)原務(wù)緞不訂突完出霜的寫客感戶劣應(yīng)串警乎覺屢。(縱3消)名茄稱劉變鞠更客蠢戶對(duì)的租名蠻稱沉往仇往別使端用史時(shí)闊間肢越世久晶知鳥名核度曾越都高溝，杯一另般陳不校會(huì)淚輕投易祥變積更饒。升客創(chuàng)戶視名銳稱將也揭可洲以神從異一化個(gè)元側(cè)建面喊看街出族客禮戶肚的趣發(fā)尼展字過才程補(bǔ)?；⑿砒澷J遠(yuǎn)人鑒員膽對(duì)帳于學(xué)客略戶享在華其娘發(fā)煉展走過塔程諸中開改雹變靈名你稱院，備一輩定險(xiǎn)要碑究渾其近原班因雖，邪尤刪其壘是孤對(duì)獄于淋頻焦繁萄改哨變旁名佛稱弟的有客鈔戶益，蒙更渠要龜引鐵起薯警擋覺吩。(粘4君)以賭往乞重賞組烏情翅況客窩戶宜重發(fā)組掉包莫括愚重賺整蛋、元改屯組催和籠合億并醫(yī)三除種肢基衫本弄方蹄式桿，滑客方戶蹈在標(biāo)發(fā)閉展知過壁程額中鉆發(fā)刃生彎重洗組依情盒形科是暈一驕種困常汗見救的蛾現(xiàn)吹象搜，開有