问题如下：
Brent Gulick, a credit analyst with Home Town Bank, is considering the loan application of a small, local car dealership. The dealership has been solely owned by Bob Justice for more than 20 years and sells three brands of American automobiles. Because of the rural location, most of the cars sold in the past by the dealership have been large pick-up trucks and sports utility vehicles. However, sales have declined, and gasoline prices have continued to increase. As a result, Justice is considering selling a line of hybrid cars. Justice has borrowed from Home Town Bank before but currently does not have a balance outstanding with the bank. Which of the following statements is not one of the four components of credit analysis Gulick should be evaluating when performing the credit analysis for this potential loan?
选项： The business environment,
competition, and economic climate in the region.
Justice’s character and past payment history with the bank.
C.The car dealerships balance sheets and income statements for the last few years as well as Justice's personal financial situation.
D.The financial health of Justice’s friends and family who could be called upon to guarantee the loan.
解释：
D There are four primary components of credit risk evaluation: (1) the borrower’s (obligor’s) willingness and capacity to repay the loan, (2) the effect of external conditions on the borrower’s ability to repay the loan, (3) the inherent characteristics of the credit instrument and the extent to which the characteristics affect the borrower’s willingness and ability to repay the loan, and (4) the quality and adequacy of risk mitigants such as collateral and loan guarantees. In this case, the local business environment, Justice’s character, his payment history, and the business’s financial positions are all relevant. While risk mitigants such as collateral and loan guarantees are part of credit analysis, it is unlikely that a local car dealer who has been in business for 20 years would be seeking a loan guarantee from a friend or family member. In addition, even if Justice were looking at a potential loan guarantor, Gulick would not simply evaluate his -friends and family- but would evaluate the specific person or business that intended to guarantee the loan.
请问(3)说的是什么
