(一)对借款人的资信分析是拓展对私业务的根本。个私经济的发展既有其不成熟的一面,更有其诚实守信的一面。按照对借款人的“六C”分析法,即从借款人的品格、资本、能力、担保、环境以及事业的连续性来评定选择贷款对象。从实践来看,借款人的品格以及事业的连续性往往能反映个私业主的偿债意愿和贷款的安全。 (A) of the borrower’s credit analysis is to expand the fundamental private business. The development of the private economy has both its immaturity and its honesty and trustworthiness. According to the borrower’s “six C” analysis, that is, from the borrower’s character, capital, ability, security, environmental and business continuity to assess the choice of loan object. In practice, the character of the borrower and the continuity of the business often reflect the solvency of private owners and the security of the loans.