债务人的风险评估调查报告范文.pdfVIP

债务人的风险评估调查报告范文

英文回答：

DebtRiskAssessmentSurveyReport.

Purpose:

Thepurposeofthisdebtriskassessmentsurveyisto

evaluatethefinancialhealthandcreditworthinessofan

individualorbusiness.Thisreportwillprovideanin-

depthanalysisofthesubjectsincome,expenses,assets,

liabilities,andoverallfinancialsituation.Thefindings

ofthisreportwillhelplenders,investors,orother

interestedpartiesmakeinformeddecisionsaboutextending

credit.

Methodology:

Thisreportwaspreparedbasedoninformationobtained

fromvarioussources,including:

Financialstatements.

Taxreturns.

Creditreports.

Interviewswiththesubjectandrelevantparties.

Otherrelevantdocumentation.

Analysis:

Income:

Thesubjecthasastableincomefromemploymentas

[subjectsoccupation].

Thesubjectsincomehasbeenconsistentoverthepast

[number]years.

Thesubjecthasnoknownsourcesofadditionalincome.

Expenses:

Thesubjectstotalmonthlyexpensesare[amount].

Thesubjectslargestexpensesare[listofmajor

expenses].

Thesubjectsexpensesarereasonableandmanageable.

Assets:

Thesubjecthasthefollowingassets:

Realestate:[descriptionofrealestate

properties]

Investments:[descriptionofinvestmentportfolio]

Cashandequivalents:[amount]

Thesubjectstotalassetsarevaluedat[amount].

Liabilities:

Thesubjecthasthefollowingliabilities:

Mortgage:[descriptionofmortgageloan]

Creditcards:[numberofcreditcardswith

balances]

Personalloans:[descriptionofpersonalloans]

Thesubjectstotalliabilitiesare[amount].

Debt-to-IncomeRatio:

Thesubjectsdebt-to-incomeratiois[percentage].

Thisratioisconsideredtobe[acceptable/high/low]

forapersoninthesubjectsfinancialsituation.

CreditHistory:

Thesubjecth