项目贷款调查报告模板

××银行/联社××支行

关于××公司申请××万元项目贷款的调查报告

申报单位：

调查人：A角B角

调查日期：

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、申请人发展沿革。主要介绍申请人自成立以来重大发展变化。包括资产规模的扩大、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、申请人的股权架构。详细介绍申请人股东和注册资金变更情况，现有股权组成情况即申请人由哪些自然人或法人投资注册成立（通过查看企业提供的公司章程、验资报告，必要是查看工商部门股东信息查询资料），需详细注明该股东名称、经营地址、经营范围、注册资本，简要说明财务状况；属个人股东的，需详细注明该股东姓名、年龄、性别、学历、家庭资产负债等情况。

（二）借款申请人高管及实际控制人员概况。主要介绍借款申请人法人代表、总经理、财务总监以及实际控制人（注意：法人代表不一定就是企业实际控制人）；等高管人员的简历和管理能力及经验。

（三）借款申请人信用和授信情况

1、信用状况。主要介绍借款申请人及高管人员征信报告中所反映的诚信状况（指是否存在逾期记录和其他不良记录）以及在调查了解中所掌握的纳税、民间借贷、货款支付等关于诚信方面的情况，综合评价申请人的诚信状况。

2、授信状况。主要介绍借款申请人在他行和我行已授信状况和授信使用情况。

（四）关联人情况：主要介绍对借款申请人经营决策和管理有影响或影响较大关联人基本情况、股权情况、法人代表、经营概况以及对借款申请人的影响程度进行调查和分析。

二、借款申请人财务状况分析

（全面的财务分析是建立在充分收集申请人连续三年以上<不足三年的自成立以来>的会计报表的基础上的，会计报表应包括资产负债表、损益表、现金流量表以及有关附表；财务报表附注；注册会计师查账正报告以及其他资料）

（一）财务报表的真实性分析（是否通过审计，可信度高低）

该企业提供了××、××、××年度会计报表，以上报表由××会计师事务所审计，审计认定该企业财务报表已按照企业会计准则和《企业会计制度》的规定编制，在所有重大方面公允反映了改公司的财务状况，经营成果和现金流量。财务报表的可信度较高。（若借款申请人没有提供审计报表，本段内容可酌情考虑删除）

（二）近三年财务报表简表（资产负债表、损益表、现金流量表及