<p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;"><span style="color: rgb(0, 0, 0); font-size: 10pt; box-sizing: border-box;"><span style="color: rgb(255, 170, 0); box-sizing: border-box;"><u style="box-sizing: border-box;"><span style="font-size: 11pt; box-sizing: border-box;">부채 비율이 700%이하인</span></u><span>&nbsp;</span>기업이어도 신용도가 하락 추세이거나</span><span>&nbsp;</span>동종 업계보다 불량한 기업은 대출 취급이 제한됩니다.</span></b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;"><br style="box-sizing: border-box;"></b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">- 재무제표는 기업의 일정 시점에서 자산 및 부채의 현황과 일정 기간의 경영 성과를 보여주는 자료로써,차입금이</b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">매출액 대비 과다하고 누적된 영업 손실로 인하여 자기자본이 잠식되는 등 재무 상황이 불량하다고 하는 것은 계속 기업으로서</b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">생존할 가능성이 낮다는 것을 의미합니다.</b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;"><br style="box-sizing: border-box;"></b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">- 기업의 경영 성과와 현황을 나타내는 재무제표 검토를 통해 기업의 안정성, 수익성, 생산성, 현금 흐름 등을 분석하여 기업의</b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">신용도를 평가하고 있으며, 신용도가 하락 추세에 있거나 동종 업계보다 불량한 것으로 나타난 기업은 부실될 가능성이 높은</b></p><p style="margin: 0px; padding: 0px; color: rgb(51, 51, 51); text-transform: none; line-height: 1.6em; text-indent: 0px; letter-spacing: -0.28px; font-family: &quot;Noto Sans KR&quot;, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; -ms-word-break: break-all; box-sizing: border-box; orphans: 2; widows: 2; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><b style="box-sizing: border-box;">것으로 판단되어 대출 취급이 제한됩니다.</b></p>