Question

Please identify which of the basic Cs of lending—character, capacity, cash, collateral, conditions, and control—applies to each of the loan factors listed here:
Insurance coverage......... Asset liquidation
Competitive climate for customer’s product. Inflation outlook
Credit rating .......... Adequate documentation
Corporate resolution......... Changes in accounting standards
Liquid reserves......... Written loan policy
Asset specialization......... Coverage ratios
Driver’s license......... Purpose of loan
Expected market share.. Laws and regulations that apply to the making of loans
Economists’ forecasts......... Wages in the labor market
Business cycle ......... Changes in technology
Performance of comparable firms ...... Obsolescence
Guarantees/warranties ......... Liens
Expense controls ......... Management quality
Inventory turnover ......... Leverage
Projected cash flow......... History of firm
Experience of other lenders......... Customer identity
Social Security card......... Payment record
Price-earnings ratio......... Partnership agreement
Industry outlook ......... Accounts receivable turnover
Future financing needs......... Accounts payable turnover



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  • CreatedOctober 31, 2014
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