Five fundamental issues Five fundamental issues ■ Character and data quality ■ Use of loan proceeds ■ Loan amount ■ Source and timing of repayment Collateral In addition to these issues,credit analysis should examine risks that are unique to each loan. Quality of mgt;the soundness of the business; sensitivity to economic conditions;the firm's relationship with other creditors;etc. 碰封醉行贸易大孝Five fundamental issues Five fundamental issues † Five fundamental issues „ Character and data quality „ Use of loan proceeds „ Loan amount „ Source and timing of repayment „ Collateral † In addition to these issues, credit analysis should examine risks that are unique to each loan. „ Quality of mgt; the soundness of the business; sensitivity to economic conditions; the firm’s relationship with other creditors; etc