擔(dān)保業(yè)務(wù)的風(fēng)險(xiǎn)管理?yè)?dān)保風(fēng)險(xiǎn)的概念

擔(dān)保風(fēng)險(xiǎn):

借款人不能按合同規(guī)定償付貸款本息從而使擔(dān)保人發(fā)生代償及損失的可能性或概率。

風(fēng)險(xiǎn)管理的基礎(chǔ):

識(shí)別+度量

風(fēng)險(xiǎn)控制的關(guān)鍵:風(fēng)險(xiǎn)點(diǎn)盡可能少:項(xiàng)目的選擇管理技術(shù)的完善:管理者的素質(zhì)

風(fēng)險(xiǎn)的構(gòu)成

1、借款人的信用：*愿不愿意償還貸款*有沒(méi)有能力償還貸款

2、反擔(dān)保方式：抵押、質(zhì)押、其它3、貸款期限：長(zhǎng)期、短期風(fēng)孕險(xiǎn)落的率度紀(jì)量擔(dān)糠保第風(fēng)井險(xiǎn)飄度北=借彩款漁人容信爐用祝等槽級(jí)吹系障數(shù)園*剝反覆擔(dān)葛保楚方夜式儲(chǔ)系禁數(shù)怨*岸1榮0才0撫%借帽款事人雞信搏用粒的己度山量反洋擔(dān)如保毀方茶式慶的竭度卻量風(fēng)委險(xiǎn)窄的擁度崖量膊：借幟款云人蔑信傻用信次用大等裝級(jí)舒評(píng)喊定株：A濁A六A售：是0憶.鑰4A泉A噸:濃0謹(jǐn).肚5A或:昆0顯.嶺6B筐B(yǎng)累B蔥:政0叉.脾7B姿B嗓:皺0紡.茂8B弄:潔0詞.挎9風(fēng)鑄險(xiǎn)攜的繪度墳量珠：反堪擔(dān)金保才方鍋式反征擔(dān)臉保鬼方奶式賢系五數(shù)到：存銹單潑質(zhì)腎押艙：故0匯遠(yuǎn)票施質(zhì)漆押發(fā)：鄰0聲.滋1帥—透0俯.喉2債量券卵質(zhì)索押臟：健0煉.撓1房園產(chǎn)似抵乳押捕：巧0械.悉5A問(wèn)A窮A稀級(jí)聚企層業(yè)斃擔(dān)掙保各：濾0假.知5風(fēng)潔險(xiǎn)蛇管己理豎的吃要駛點(diǎn)嗚:提計(jì)高汪項(xiàng)拆目分評(píng)薦審減技奮術(shù)爭(zhēng)達(dá)取威黃養(yǎng)金憤客南戶暖:完脂善扒業(yè)娃務(wù)泳品斤種提離供址優(yōu)池質(zhì)核服賺務(wù)分勤散嫩風(fēng)設(shè)險(xiǎn)落選實(shí)駐反憲擔(dān)閥保其措寸施提慎高陡預(yù)撲警牛能算力加柴強(qiáng)雁保沫后柿跟邁蹤識(shí)音別販風(fēng)茫險(xiǎn)尋快找精黃掩金量客滋戶傳雙統(tǒng)隱北性潛屑在擔(dān)銹保墾業(yè)截務(wù)結(jié)流奸程1美、碼擔(dān)腦保爆受澆理2秤、檔擔(dān)剛保謠評(píng)林審3伯、徑擔(dān)算保浴審昏批4蘇、牙法城律削法晉務(wù)蘇操勻作5箏、訊保招后疫跟鞠蹤烏檢今查6排、屯資技產(chǎn)幟保所全一丟、封擔(dān)灘保獄受藥理項(xiàng)失目射初田審業(yè)開(kāi)務(wù)到咨傳詢項(xiàng)鼻目繳分扯配業(yè)宰務(wù)牌咨志詢介帖紹糊擔(dān)遣保則公菠司冬，妥答減疑闖解眼惑了昂解憲申稅請(qǐng)蝴人恢基螺本勿情金況成繡立曠時(shí)謙間每、哭性敵質(zhì)嘩、悲注旬冊(cè)杰情盈況標(biāo)；摟行畜業(yè)敏、賣主流導(dǎo)枯產(chǎn)令品鮮；因市籃場(chǎng)疲、擇銷蛾售稿；患融料資椒需引求悟、嘗抵泄押甲資墓產(chǎn)淹摸紅底耳。了青解養(yǎng)申番請(qǐng)殖企怪業(yè)種對(duì)鼻：頃費(fèi)件用至、掀時(shí)深間壯、堪成漁功帖率嚴(yán)的子敏竿感騰度債。發(fā)悅放賊詳宜盡泊材魄料針清兇單項(xiàng)慶目滾初悼審審解核疤申覺(jué)請(qǐng)害者貓的疤貸廟款踢資簽格精和汗申角保相資涂格擔(dān)；對(duì)弟申緩保駝項(xiàng)滲目京進(jìn)摧行芳篩良選侮分覆配貍。項(xiàng)論目負(fù)分跟配選弱項(xiàng)串目睬經(jīng)稠理寧+傍選柳業(yè)你務(wù)包品銷種充疲分隸考戲慮尚項(xiàng)果目絹經(jīng)摧理賭對(duì)芽申難保斗項(xiàng)間目袍的巧行阿業(yè)毫熟墻悉敬程混度充作分貸考顫慮洪申華保拜企阻業(yè)壇對(duì)割融梢資暮費(fèi)活用請(qǐng)、抱時(shí)站間煉、嫩成窯功此率惠的伏敏徐感困度雹。快為鴨申慎保貴企寸業(yè)內(nèi)推筍薦焰合顏適栽的愧業(yè)末務(wù)闊品蜂種擔(dān)童保蓄貸倦款委疾貸纖轉(zhuǎn)襲擔(dān)舅保酒貸淚款委橡托把貸對(duì)款技禽術(shù)奧改惹造序貸款款信甩用連證封糕閉戚貸瞞款二掘、驢項(xiàng)慮目絞評(píng)艘審材避料閑準(zhǔn)報(bào)備盡獲職名調(diào)縫查反辨擔(dān)貍保以方綢案接設(shè)兆計(jì)項(xiàng)約目燒綜脖合吼評(píng)賢價(jià)避痰險(xiǎn)鴿預(yù)陸案套設(shè)具計(jì)材世料昨準(zhǔn)濤備了償解株行窯業(yè)窮背條景方散法暢：繡征載信拋資班料拿（淺大轟公揮、騙新能華堅(jiān)信賞）行前業(yè)腔專蘭家苗訪辦談網(wǎng)屈絡(luò)超;苗媒辨體了凱解盯企銅業(yè)潛在構(gòu)行朋業(yè)笑內(nèi)橫所針處銜地傾位業(yè)春內(nèi)惠人事士五訪繁談行微業(yè)滴協(xié)注會(huì)聰訪仆談熟址悉喉企狡業(yè)經(jīng)資問(wèn)料后，截確票定胳考株察小重街點(diǎn)財(cái)縣務(wù)恐指點(diǎn)標(biāo)僅是枯否太符柿合挽行增業(yè)派規(guī)樓律財(cái)根務(wù)盒數(shù)磨據(jù)哥的稻配甩比鐵關(guān)服系確緩定驚企聯(lián)業(yè)筆調(diào)盒查凳時(shí)進(jìn)的綁重乏點(diǎn)炸方響向循，重乏點(diǎn)糕考田察幣科鋤目—君—形計(jì)成柴個(gè)踩性裳化適的我調(diào)跪查爪方拘案盡求職駱調(diào)放查核舞證賤材叼料財(cái)竄務(wù)稿因磚素?cái)?shù)調(diào)賭查滅與問(wèn)評(píng)淹價(jià)非給財(cái)種務(wù)倦因暮素救調(diào)抄查腰與件評(píng)挑價(jià)財(cái)宣務(wù)射因呼素美調(diào)朱查霉與丹評(píng)鄙價(jià)一、虛定稼義假興設(shè)盒：舊企即業(yè)慈在咸未托來(lái)孤一嫌定罷歷伴史鍵時(shí)便間孝內(nèi)雖持工續(xù)躲、靈穩(wěn)脊健煮經(jīng)酸營(yíng)分蹈析聚：朵企僅業(yè)誘歷飽史被財(cái)勿務(wù)駕數(shù)氣據(jù)紗計(jì)機(jī)算輪的葉指檔標(biāo)推躬測(cè)齊：悅企爹業(yè)難未濟(jì)來(lái)唐的掃財(cái)銹務(wù)拜狀脈況二釘、富調(diào)片查借評(píng)綿價(jià)仍程授序1率、鋒確旱認(rèn)雷企滅業(yè)賣財(cái)批務(wù)督核都算詳方針?lè)?吼、爪核女實(shí)襖財(cái)睜務(wù)食數(shù)殼據(jù)3身、尺調(diào)裕整虧企健業(yè)醒財(cái)減務(wù)桌報(bào)買表3巧、殼分園析權(quán)并芳評(píng)砍價(jià)斷企芹業(yè)妥財(cái)叫務(wù)適狀彎況確報(bào)認(rèn)轉(zhuǎn)企塑業(yè)紅財(cái)速務(wù)葡核董算爬辦謙法農(nóng)薄產(chǎn)化品茫加聾工囑行談業(yè)汽近車飛配領(lǐng)套輕企期業(yè)汽愿車插配鍛件伙企成業(yè)醫(yī)餃藥嘗行屑業(yè)食貿(mào)品鄙行約業(yè)。剛。難。墾。指。納。核宵實(shí)猜財(cái)描務(wù)旅數(shù)栽據(jù)常頂見(jiàn)壤報(bào)所表旦形滋式錘：稅繼務(wù)惹報(bào)努表縮晝水融惡資榆報(bào)面表注我水管爺理辟報(bào)緣瑞表真從實(shí)糊太涂庫(kù)報(bào)姐表核傾實(shí)殘內(nèi)錘容復(fù)：賬榜表感核罩實(shí)賬組賬湖核喚實(shí)賬迎證命核拆實(shí)賬抹實(shí)由核瘦實(shí)查錢賬行重臨點(diǎn)問(wèn)懇題咐科授目重航點(diǎn)條科肥目資也產(chǎn)漆類俗:應(yīng)庫(kù)收映、膚其掘它舉應(yīng)收收負(fù)悼債遞類慢:應(yīng)萍付禽、盜其掘它鼓應(yīng)賽付理、言潛茶在栗負(fù)庫(kù)債權(quán)喜益賽類霧：收市入興、園成界本重誼大始變坡化艦科樸目耐的膽核賓實(shí)現(xiàn)叨金抬流遼的壯核謙實(shí)財(cái)漸務(wù)懼評(píng)敗價(jià)勢(shì)指云標(biāo)償詞債繳能喝力短累期贊償刮債見(jiàn)能團(tuán)力長(zhǎng)粥期粒償雷債狀能鑰力運(yùn)張營(yíng)史能因力盈雪利循能萍力發(fā)小展著能見(jiàn)力短款期婦償暖債廊能泡力躍的患分幫析睛評(píng)慮價(jià)一丟、時(shí)影同響巾短滿期效償診債如能假力搬的職因偶素1撞、秀流背動(dòng)珠負(fù)艱債融的踩規(guī)燭模劃和旺結(jié)淡構(gòu)乞：借越入執(zhí)類省：珍短徒期起借稍款河；結(jié)燭算刻類朵：才如累：年應(yīng)扶付冠票蟲據(jù)岸、妨應(yīng)拼付比賬供款極；庫(kù)預(yù)捉收替賬哈款齊；制牢度銅類咱：帝如良應(yīng)同付椅工副資稿。2編、未流逝動(dòng)獲資殃產(chǎn)嘉規(guī)塵模花與膀結(jié)耍構(gòu)3吃、徒企節(jié)業(yè)投經(jīng)盼營(yíng)克現(xiàn)亡金責(zé)流千量4犬、害企惰業(yè)館財(cái)鋒務(wù)釋管農(nóng)理大水緩平簽，障關(guān)拍聯(lián)懷公龍司千之要間醫(yī)的績(jī)資滲金除調(diào)喉?yè)芘摇⒉黄笾聵I(yè)魚再礎(chǔ)融年資接能圈力二所、事評(píng)帖價(jià)心短揭期比償甚債饞能望力柔的但指鹿標(biāo)流效動(dòng)泄比華率恒=逮流文動(dòng)濫資銷產(chǎn)嫂/塔流禽動(dòng)托負(fù)轎債總埋債政務(wù)陜/更e摩d購(gòu)i傷t懲d敏a拖(般息興稅如折賣攤月前刺收棉益弱)全凳部猛資匠本挪化甘比折率湖=付爬息筋總忙債殼務(wù)床/礦(揉付也息仙總牧債危務(wù)配+師所丙有柏者指權(quán)鏈益李)利她息渠保蔥障造倍問(wèn)數(shù)乏=病e軌d寇i克t窩d店a灑/戲支芹付俱利茅息便所屆付堪現(xiàn)踢金速弓動(dòng)奏比臥率松=傘速睬動(dòng)鄉(xiāng)豐資承產(chǎn)漏/厘流辣動(dòng)崗負(fù)甘債現(xiàn)絡(luò)金腐流傭動(dòng)悶負(fù)察債斬比黃率油=經(jīng)拉營(yíng)情活松動(dòng)打現(xiàn)循金狠凈予流使量臂/專總猾債度務(wù)經(jīng)腔營(yíng)戚活笛動(dòng)加現(xiàn)促金殲流江入蠅量墳/老銷滑售臟收午入支掏付貢能望力會(huì)系拉數(shù)尼=計(jì)組算畝期伸內(nèi)肉可奸用館于飲支房誠(chéng)付蜻的陽(yáng)資笑金擦/防期吳間藍(lán)需泉要泰支肉付房誠(chéng)的君資爬金銷愈售木收膜入憤與依貸提款愁比羅=爬年飽平挽均搜銷晚售惜收跌入項(xiàng)/孩貸羽款利漆潤(rùn)成與廢貸鋸款戀比朝=毫年扇平紐奉均嫂利鏟潤(rùn)鐘總外額爪/向貸醉款像額長(zhǎng)錫期戲償企債拔能喘力一變、弄影沸響鏡長(zhǎng)羽期牲償般債業(yè)能揀力弊的道因而素1編、材盈偽利弱能訂力企孟業(yè)昌在搶一姐定襲時(shí)且期石內(nèi)胖取廈得鈔利稅潤(rùn)蜘的遣能衡力2遵、長(zhǎng)激期納負(fù)德債夢(mèng)規(guī)辭模3叢、箭企餓業(yè)遞資莫產(chǎn)律規(guī)駱模企戚業(yè)漸凈僻資社產(chǎn)館規(guī)煙模拐越涉大偵，橋長(zhǎng)郊期厭償澤債士能竹力錦就瓜越錄強(qiáng)。4絡(luò)、道流癢動(dòng)拌資援產(chǎn)鄰與貌固企定濃資配產(chǎn)介結(jié)袋構(gòu)長(zhǎng)提期匹償訂債跟能絨力二炭.蜘評(píng)坑價(jià)寶長(zhǎng)堪期骨償丑債微能預(yù)力歌的宜指私標(biāo)1掘、資堵產(chǎn)羨負(fù)霉債桌率崇=畢負(fù)征債鎮(zhèn)/早資顯產(chǎn)2接、擠債辮務(wù)戀本鐵息詞償寸付透保次障許倍緣瑞數(shù)=溫(嫁息保稅不前營(yíng)利昏潤(rùn)坡+洋折莊舊砍)價(jià)/減(征(佳利穩(wěn)息票額藥+錘本擠金厚額懇)風(fēng)/輩(鉤1芳-撈所閥得副稅勢(shì)率零)治)3科、具長(zhǎng)性期例負(fù)單債旨率=聽(tīng)長(zhǎng)材期凈負(fù)揀債亂/格（挽固遇定瞞資耍產(chǎn)率（唱可恭有千于添抵桌債折的埋）濃-梁無(wú)樂(lè)形存資胖產(chǎn)母）4榨、忠凈糾資銜產(chǎn)忘負(fù)廁債瞞率前=列負(fù)鵲債蟻總訂額忽/戀權(quán)鍵益續(xù)總倍額5圈、凈督資萄產(chǎn)升額尾=刊資狠產(chǎn)呼-濾負(fù)扮債6祝、留貸護(hù)款疏與薦凈杏資像產(chǎn)匹比趴=餃流瘦動(dòng)繳資瞎產(chǎn)棗/戚流梅動(dòng)板負(fù)黨債償拾債族能勵(lì)力羨對(duì)排比桑指裳標(biāo)項(xiàng)目汽車—中型機(jī)械塑料制品優(yōu)秀值較差值優(yōu)秀值較差值流動(dòng)比率（%）1.300.702.501.40速動(dòng)比率（%）0.800.401.300.75已獲利息倍數(shù)6.002.007.003.00資產(chǎn)負(fù)債率（%）0.300.740.200.62凈資產(chǎn)額350015001500450盈絮利止能塌力劇評(píng)掘價(jià)1、凈雖資訂產(chǎn)額收枯益釀率=哨凈蠅利粱潤(rùn)相/捎平通均年凈醫(yī)資潤(rùn)產(chǎn)2舅、叛產(chǎn)取品剪銷閑售鞭利灘潤(rùn)沫率=待產(chǎn)袋品箏銷芽售結(jié)利頂潤(rùn)廢/艘產(chǎn)柱品廳銷幅售裹收肥入3銷、怨資跡產(chǎn)得報(bào)展酬膽率挎：總甩資插產(chǎn)斯報(bào)妹酬吸率貸=厭（危利差潤(rùn)忠總蟲額任+挨利屈息腦支芒出貓）襯/嗎平捆均噸總片資須產(chǎn)流務(wù)動(dòng)紋資才產(chǎn)押報(bào)計(jì)酬谷率羽=默利踢潤(rùn)刷總喘額宅/伯平裁均售流儀動(dòng)棍資險(xiǎn)產(chǎn)4出、銷律售菌凈送利己潤(rùn)抄率=且凈蔽利眼潤(rùn)抱/拾銷溝售鐵收無(wú)入5昆、種成鍵本富利之潤(rùn)春率銷壩售智成韻本談利攻潤(rùn)冷率客=隱產(chǎn)岔品詳銷迎售絹利煩潤(rùn)面/令產(chǎn)大品苦銷盤售弦成循本營(yíng)肅業(yè)襯成屆本射費(fèi)籃用畏利積潤(rùn)輕率找=奔營(yíng)棵業(yè)踏利丸潤(rùn)漁/潛（參產(chǎn)逗品昨銷津售擴(kuò)成乏本視+鏟期壞間購(gòu)費(fèi)文用夫）成鍬本藥費(fèi)巨用兵利豬潤(rùn)譜率市=考利挽潤(rùn)助總此額虧/秀成殺本冶費(fèi)持用汪總和額托影粒響逐償出債柿能性力陜的象主悲要界因凳素運(yùn)問(wèn)營(yíng)椒能思力棋評(píng)敬價(jià)一屋、矩運(yùn)截營(yíng)碑能客力液概泡念營(yíng)拔運(yùn)燙能巷力弱：指揭企跑業(yè)卡營(yíng)掠運(yùn)腦資愚產(chǎn)嘗的毛效裁率搶與劇效淹益訓(xùn)；效爽率懇：是惹指鼻資求產(chǎn)魂周師轉(zhuǎn)盼率你或吸周局轉(zhuǎn)鄙速姻度擺；效亂益勢(shì)：是煩指鼻企算業(yè)菜產(chǎn)顧出梯額裳與而占臺(tái)用勉額熱之榮間偷的計(jì)比螺；營(yíng)伯運(yùn)驚能晌力章的努分冬析釀是派企岔業(yè)濫盈湊利綿能承力窄分濕析精和媽償零債公能扶力獸分今析賽的定基醉礎(chǔ)嬸與制補(bǔ)椅充些。辨營(yíng)器運(yùn)靜能爭(zhēng)力字的每實(shí)灣質(zhì)稅是崇以窯盡森可耗能坦少念的叮資藏產(chǎn)盲占招用既，濕盡經(jīng)可暖能吐短酒的汪時(shí)旗間貢周智轉(zhuǎn)池，植生祖產(chǎn)館盡死可燈能懷多鍛的艇產(chǎn)辱品麗，淚實(shí)魔現(xiàn)場(chǎng)盡缸可矛能佛多瓶的降銷賓售蒸收組入盈，幫創(chuàng)箏造聰盡模可讓能道多伸的躲利財(cái)潤(rùn)仍。二唐.殲運(yùn)意營(yíng)吧能暑力觸評(píng)掉價(jià)營(yíng)指蠻標(biāo)1溪．額總宇資糊產(chǎn)武周主轉(zhuǎn)挖率噴=莖年礎(chǔ)均御銷慌售總收轟入番凈槐額鹽/鉆平露均射資得產(chǎn)僑總戶額2總．蔽流騾動(dòng)林資慌產(chǎn)模周病轉(zhuǎn)惡率機(jī)=崇年以均攜銷偉售腎收客入私凈拳額來(lái)/河平呈均蠢流馳動(dòng)鎖資堵產(chǎn)3役．只存創(chuàng)貨悶周沖轉(zhuǎn)唱率遺=蹲銷買售嫁成蜻本稠/衣平烈均斗存晚貨4突．張應(yīng)倍收臉賬驢款息周貸轉(zhuǎn)決率孝=煮賒尿銷沒(méi)收仰入滋凈禾額岸/年平謠均餅應(yīng)籮收野賬觀款謙余禍額5概．腿固起定雪資忌產(chǎn)席周鑒轉(zhuǎn)城率版=想銷助售記收壞入伶凈蓄額悠/貴固站定暫資般產(chǎn)住平溪均岡額6僵．藍(lán)勞鵝動(dòng)防生誕產(chǎn)吳率竟：浪人皇均騾銷鵲售償收硬入木=砍年自均至銷漲售怨收愿入母/建職匆工馬人訪數(shù)7語(yǔ)．綢應(yīng)悲付小帳準(zhǔn)款鹿周槽轉(zhuǎn)常率運(yùn)=遙銷殼售公收駱入驚凈蜘額話/露應(yīng)仔付星帳震款增割長(zhǎng)荒能禮力宵的浪評(píng)法價(jià)資漂本寒積諸累士率=長(zhǎng)本副年射所圣有君者豬權(quán)綿益麥增箱加物額話/以期裙初爬所畫有斥者稅權(quán)棍益銷賽售狼增桑長(zhǎng)所率=藥本絲式年命銷表售漿增屢長(zhǎng)懶額星/液上陵年聽(tīng)銷艦售蘿總散額總坊資惡產(chǎn)勾增謊長(zhǎng)史率=逢本盲年攻資項(xiàng)產(chǎn)拒增槽加鞠額鹿/振期躍初郵資修產(chǎn)搏總隔額三瓶年盾利蛇潤(rùn)抱平娛均棒增娘長(zhǎng)兩率謙:凈甜利章潤(rùn)回增房誠(chéng)長(zhǎng)驅(qū)率絞=走本凝年?duì)績(jī)粢衫麉R潤(rùn)扶增妻長(zhǎng)悄額籌/愁上啞年勢(shì)凈勵(lì)利虎潤(rùn)固甘定即資淡產(chǎn)閃凈蝕值輔率珍=午固遺定糕資歸產(chǎn)樂(lè)凈梢值數(shù)/勁固扁定預(yù)資硬產(chǎn)府原的值分炮析慣企具業(yè)兔的叫增蜓長(zhǎng)遷能較力咱不哄能田僅育依云據(jù)典企醒業(yè)擠某喚些迎財(cái)時(shí)務(wù)奶因區(qū)素禿,觸還王要胡考渠慮鋤影炮響脊企腹業(yè)毒的綿非碗財(cái)?shù)K務(wù)扶因懂素務(wù),青需興要漿綜美合摟分效析筆。非嫌財(cái)悅務(wù)惡因管素覺(jué)評(píng)牲價(jià)評(píng)型價(jià)泰要戚點(diǎn)遼:信哄息廉渠共道犬廣工盼作句經(jīng)鑼驗(yàn)傅豐調(diào)富內(nèi)哲部另信秤息傍來(lái)誓源搞：企罰業(yè)救提曠供疾的濕資桌料企假業(yè)這實(shí)載地稠調(diào)暢查潔—用—拌客隨戶第訪欲談外洪部科信刑息再來(lái)企源則：業(yè)鄉(xiāng)豐內(nèi)申人辦士競(jìng)秋爭(zhēng)虧對(duì)炕手供賴應(yīng)除商塑、超客接戶銀治行滴、廟中短介東機(jī)泉構(gòu)池、咽政員府派機(jī)吹關(guān)陽(yáng)等扶等非序財(cái)番務(wù)孔因管素置分捧析布的煙主兩要持內(nèi)井容管記理惑團(tuán)魂隊(duì)忠評(píng)觀價(jià)信劑用教記肅錄譜、萬(wàn)從刃業(yè)晴經(jīng)漆歷踩、跑年順齡津結(jié)鵲構(gòu)病、鐮文僻化楚結(jié)乳構(gòu)管敬理惕能勿力朱、酷技塌術(shù)托素宮質(zhì)嘗、驅(qū)法窩人孩品繭質(zhì)因、縣企悠業(yè)刑文錯(cuò)化行共業(yè)兼風(fēng)對(duì)險(xiǎn)行赤業(yè)律整些體槳盈疏利若性眉、迅行沉業(yè)驅(qū)生程命長(zhǎng)周攜期行張業(yè)夸競(jìng)莖爭(zhēng)守情宗況蛙、脈行位業(yè)袖進(jìn)哲入南壁饞壘訓(xùn)、莖行綢業(yè)緞地替位市會(huì)場(chǎng)杜與誼經(jīng)呈營(yíng)練風(fēng)您險(xiǎn)市藍(lán)場(chǎng)誦銷店售爪網(wǎng)訊絡(luò)典、籠產(chǎn)養(yǎng)品獵競(jìng)熟爭(zhēng)柴能煉力御、鵲產(chǎn)披品孕多務(wù)樣持性產(chǎn)符品爽差窯異嚷性保、很市蓬場(chǎng)亞需紗求共趨讀勢(shì)慌、煩合思同己保哪障盡率技槐術(shù)捎風(fēng)遵險(xiǎn)技擊術(shù)益來(lái)抽源趣、莖核摔心唇技旨術(shù)遺控夢(mèng)制孤力新秩產(chǎn)禁品病研彩發(fā)筋能棋力塘、悲技司術(shù)雙市壯場(chǎng)榨優(yōu)家勢(shì)行套業(yè)繼風(fēng)叛險(xiǎn)籃評(píng)縱價(jià)行園業(yè)武競(jìng)貝爭(zhēng)辱情勒況產(chǎn)津品您市純場(chǎng)倘需檔求旱情列況進(jìn)幼入登門泛檻咬:奴資口本績(jī)+拋技外術(shù)行巡壽業(yè)肯政盾策行畫業(yè)喜經(jīng)崗濟(jì)連環(huán)收境借醬款嶺人摘的喚業(yè)棗內(nèi)蹤蝶地勺位管敢理翻者邁素抗質(zhì)術(shù)評(píng)拳價(jià)文本化拋素溝質(zhì)成買長(zhǎng)望經(jīng)漫歷膽創(chuàng)商蔥情食商杜智士商行壟為巷習(xí)貢慣江爸湖差習(xí)幅氣扔過(guò)繁重投址機(jī)漢傾值向片過(guò)替重尋貨租象心設(shè)理支過(guò)域重炒鄰概錫念范傾爸向午過(guò)婚重有前不蛛良課信芝用糟記紗錄對(duì)撒違爬約漂成逆本陷的毛敏飼感觀度和墾聰菊明徑人或打勺交峰道企抹業(yè)猶的槍發(fā)芒展蔬階槽段種讀子駐期成恒長(zhǎng)蘇期孵粒化絮期成威熟邀期衰烈退姜期滅課亡瓣期提取示儉:用產(chǎn)史品宗生各命貍周訓(xùn)期披與鈴企明業(yè)香生恥命暢周紐奉期耐的陷關(guān)河系技搞術(shù)絮風(fēng)駐險(xiǎn)侄評(píng)妥價(jià)技賴術(shù)饞來(lái)遍源技偽術(shù)診優(yōu)箏勢(shì)核螞心洪技餐術(shù)寺控爽制崇能留力技慰術(shù)知研會(huì)發(fā)已能寸力什與概發(fā)牽展晶潛黑力可普持兄續(xù)往發(fā)階展已能慶力中滑小漿企匯業(yè)井在惑核漸心盯競(jìng)右爭(zhēng)雪能某力縣缺考失晉情炭況澆下惑的給可旬持暴續(xù)鑰發(fā)鄰展比遺較場(chǎng)性輪優(yōu)磨勢(shì)憶—山—割生倘存縱之癢道做點(diǎn)大漠做丘強(qiáng)球與鞭剩手者朽為獨(dú)王誰(shuí)潑為養(yǎng)剩催者從？出樣身必家宿庭漫與押存救活搶率市好場(chǎng)衰型—處—蜘貿(mào)么、禾工堆、跨技技拴術(shù)椒型—互—公技翻、臣工骨、喬貿(mào)資娃源便型—埋—自忍然默資性源歷循史對(duì)身殖份人糞際尸關(guān)粒系三嫂、樹(shù)反防擔(dān)物保勁的軌落才實(shí)反團(tuán)擔(dān)刻保寨是怒控完制把擔(dān)喜保脹風(fēng)濟(jì)險(xiǎn)棗的誕重希要英手膏段猾。（興1視）以提潤(rùn)升敘還呆款默意個(gè)識(shí)勝；限（椅2濫）莫第敵二鞋償延債須來(lái)杜源(摔3境)鼓促舞使掃投者資仆者漿對(duì)窮自既已旋的待投嘩資頃行肺為算負(fù)念責(zé)曲。反倉(cāng)擔(dān)辱保茄物吉不唐足察是話中載小額企瀉業(yè)富的晃普巖遍米問(wèn)逼題沈。（代1央）踏即絹要膛講請(qǐng)?jiān)皠t讀，暈又叔要耍講添靈值活壟。（訓(xùn)2補(bǔ)）俗合糊理尚設(shè)進(jìn)置篩反襯擔(dān)杠保新是蜜開(kāi)創(chuàng)拓義擔(dān)招保法業(yè)棋務(wù)睬的蹦核追心惰。擔(dān)舌保欣的虧法槍律按框悄架廣糟義彼上篩的果擔(dān)箏保慶法爪:《民窩法桃通屠則雖》腰、妖《債合營(yíng)同瘡法搏》《驗(yàn)海兵商兵法炕》洲、晉《凳公希司摸法酷》《翁商茅業(yè)挖銀雪行鞋法榨》袖、防《堂訴址訟欠法詠》狹漆義尤上浪的蟻擔(dān)阿保障法員:《凳擔(dān)湊保吩法甲》《飼司鑼法贏解卡釋不》不蛾同鐮的壇反磁擔(dān)見(jiàn)保嘩方崖式混的憶法痛律注適臺(tái)用典劫型鼻擔(dān)電保病：即秀保湖證穴、陳抵緩押哀、壞質(zhì)舒押膏等枝，烈由度擔(dān)軍保追法灰調(diào)隸整集。非怕典雹型答擔(dān)酬保拉：如苗讓沸與犧擔(dān)制保晉、具所銜有挎權(quán)挺保勵(lì)留報(bào)等射，兩由導(dǎo)合枯同鑰法柱、窄民草法朋調(diào)勞整；司矩法竟程森序侍中饒的疑擔(dān)他保曉：如辱訴娘訟擇保題全劃、填強(qiáng)增制瞞執(zhí)己行嫂中酒的飽擔(dān)蠟保茫，督由學(xué)民衰事屆訴乳訟晴法慕調(diào)斜整扛；其獎(jiǎng)他炎擔(dān)川保冒：如炸收筆費(fèi)煙權(quán)臂、覽退習(xí)稅發(fā)、折賬乒戶央抵匠押尿等串，老除羅被事法詳律毛明既確餐納脈入巴物聾權(quán)朱擔(dān)潤(rùn)保什外展，辟由徐合款同望法罩調(diào)估整內(nèi)。3似.申1反復(fù)擔(dān)毀保乳物雖的豬選儲(chǔ)擇法蒼律烘上藥無(wú)篇暇嗚疵沃。易圈于晨觸乞動(dòng)概受閣保塊人積利載益罪。易倚于壇執(zhí)獸行磚。易責(zé)于余變晨現(xiàn)限。不冬易轎貶所值火。易浩于沈評(píng)竿估孔和筒監(jiān)松控定。反段擔(dān)傲保焦方蠢式忙1爪：抵館押抵綠押脊物華必?fù)繇毷咕咴瓊淠樀呢殫l廁件源：（工1掌）旅抵蕩押楊人味對(duì)嫩抵惰押貫物麗必屋須鑼具暢有勁處蔑分百權(quán)室。（祝2勢(shì)）宣抵券押斗物隆必而須幣是賢法燥律腦允串許震轉(zhuǎn)掌讓痛的后。（盆3蓋）扇抵油押旁物亮應(yīng)涂便校于齒管翅理支和討實(shí)點(diǎn)施狀。有項(xiàng)關(guān)速抵位押嬌的食幾謹(jǐn)個(gè)潮法拳律升問(wèn)鋼題匯：1悲、躍合賢同牙生職效染問(wèn)紙題*簽胸訂瓶生鍵效*嚼登香記芹生薪效2青、鍵宅身基歐地麗抵晌押案的原問(wèn)銳題3滋、棵公隨益炸設(shè)薄施傭抵捐押木的襲問(wèn)敬題4強(qiáng)、酬國(guó)頭有仿劃失撥耕土朵地螺抵牛押限的繪問(wèn)虹題5川、廣集搖體候土勿地芒抵店押嘗的禁問(wèn)秩題質(zhì)萄押也—司—?jiǎng)映慨a(chǎn)塘質(zhì)五押1今、揭動(dòng)謝產(chǎn)池質(zhì)噴押簽的諷生季效明要尼件汽：轉(zhuǎn)倒移蹤蝶質(zhì)帝物屋的呀占被有2消、票質(zhì)衣押丟應(yīng)纖具疼備淺的存條肢件界：出縣質(zhì)繞人頭擁頭有槽質(zhì)淡物鑄的談所凈有量權(quán)卸或谷處籌分宜權(quán)拖。質(zhì)甲物際必巨須貫依豬法座可牛以疫轉(zhuǎn)晃讓狠。反州擔(dān)許保死方日式枯2盯：權(quán)棒利藏質(zhì)糾押權(quán)媽利王質(zhì)襯押拆的增標(biāo)貌的：依孩法烏可元以橫轉(zhuǎn)惡讓返的惱財(cái)院產(chǎn)萄權(quán)權(quán)數(shù)利全質(zhì)咽押飲的容分拋類鐮：證勝券渠債甲權(quán)替質(zhì)谷押股王權(quán)筆質(zhì)搏押知赤識(shí)摟產(chǎn)佩權(quán)西質(zhì)蛛押普皂通獲債醒權(quán)道質(zhì)趕押質(zhì)柜押低：股奔權(quán)玻質(zhì)自押注初意北事嘩項(xiàng)經(jīng)：（您1析）不出途質(zhì)弱股黨權(quán)葬必蛇須伴是艷依打法竊可央以環(huán)轉(zhuǎn)械讓擺。（探2健）界質(zhì)雀權(quán)斜人臂擁血有既股因權(quán)獵所煤代蛛表俊的諷財(cái)飼產(chǎn)吧權(quán)弱，射而吐非循人識(shí)身蛾權(quán)抱。（戶3喪）哪出另質(zhì)銹股尿權(quán)掌非久債背權(quán)聾人賽股琴權(quán)翠。股刪權(quán)密質(zhì)濟(jì)押虜：有注限視責(zé)浸任訴公蕉司權(quán)爛利致憑協(xié)證晃：出筍資仍證叔明泊書審館核兔內(nèi)機(jī)容滾：出勢(shì)質(zhì)欣股牧權(quán)沒(méi)的后合寒法應(yīng)性出錦質(zhì)膽股速權(quán)蒙沒(méi)乘有赤瑕緒疵股撈權(quán)既出絮質(zhì)桑不拾存晃在播法吊律撐上呆的狹限德制股洞權(quán)匯依歸法解可能以傻轉(zhuǎn)餡讓股碎權(quán)替質(zhì)漿押些：有撥限份責(zé)宜任師公駝司質(zhì)辱押禁程熄序駐：（總1喉）杰簽縫訂盲書蘆面炭質(zhì)奇押首合偵同塵。（交2原）鋤登胳記青。（抹3仍）秧備騾案色。股綠權(quán)潮質(zhì)嗓押愧：股蠶份膊有受限御責(zé)恩任紛公樹(shù)司權(quán)紛利菊憑鞭證場(chǎng)：股識(shí)票記宏名補(bǔ)股禍票賠質(zhì)蹄押：（爭(zhēng)1歇）辯訂蘭立蠅書窩面鈔質(zhì)崇押護(hù)合仙同（早2習(xí)）躲質(zhì)副押出背鍬書（吧3鄰）貴質(zhì)版押缸登肥記無(wú)辜記脾名柴股尸票奶質(zhì)向押瞇：（楊1法）型訂鎖立嶺質(zhì)艦面斧質(zhì)煮押瞧合赴同（怖2蜓）興交輝付傾權(quán)欲利悟憑朽證其腰它退反凳擔(dān)穩(wěn)保忽方倒式情：財(cái)牲產(chǎn)澡保柱全訴竊訟良保喂全：（殼1飾）軌取紋得鋪已夢(mèng)經(jīng)撲到使期易的經(jīng)債棟?rùn)?quán)也憑厘證部。（統(tǒng)2首）氣起基訴（法3格）榨依霞法托查病封浩“來(lái)抵鮮押詳”黎資盞產(chǎn)執(zhí)恨行脾保奔全裁：（1說(shuō)）訴對(duì)提已剖到煉期袋債救權(quán)蒙，逃債覽務(wù)堪人寇無(wú)醋異擴(kuò)議（旋2遵）漏法父院煎支譯付艙令（柿3苦）量按絞支遲付士令某查酬封欺“改抵靜押來(lái)”威資黃產(chǎn)優(yōu)織點(diǎn)隙：可攻以牽解造決友部蔥分變產(chǎn)乓權(quán)冊(cè)較升明畢確講，撐但壞產(chǎn)躺權(quán)布證鵲或卵土梁地灣證尚唱未核辦乞理謀的朗財(cái)仰產(chǎn)碼抵頃押炊問(wèn)融題肚。缺接點(diǎn)呼：（銳1禁）四屬茂于生破格產(chǎn)膏債渣權(quán)劍，爽企案業(yè)灰破奇產(chǎn)瀉時(shí)珠得辦不票到定保就護(hù)澡。（南2訊）判可嫁以欣重悅復(fù)備查兩封餓，違其竹它歇債鑄務(wù)熊人鄰可恥以以參鞋與陣標(biāo)宏的綠分席配嗚。應(yīng)堡用蒜：用之于怠輔摸助令擔(dān)拴保祖方卵式。其浸它徐反存擔(dān)洲保模方殘式灣：讓便與償擔(dān)喂保概型念集：指縮慧為若了氏擔(dān)獻(xiàn)保澆債撲權(quán)固的瓣實(shí)塌現(xiàn)昨，塵將盒債騰務(wù)鉆人鋤或召者暴第歌三襲人邀的搜財(cái)華產(chǎn)暖轉(zhuǎn)友移詠至怕債清權(quán)糊人館，慌債訪務(wù)正履循行找后摧，聾債吐權(quán)彩人披應(yīng)溫當(dāng)轉(zhuǎn)將嚇該框財(cái)態(tài)產(chǎn)條返亡還宏債副務(wù)偶人歇或億者第帖三爸人怕；麥不蠅履役行偉債爆務(wù)庫(kù)的尖，泊債湯權(quán)協(xié)人來(lái)有用權(quán)狡就盞該想財(cái)屢產(chǎn)口優(yōu)膚先旺受陷償滲。要諸點(diǎn)尋：1奪、承債續(xù)權(quán)扇人寄與羞債竊務(wù)穗人端簽負(fù)訂動(dòng)購(gòu)蒜賣畝“皺抵洲押晌”塊資寶產(chǎn)賄的鼠協(xié)遙議2驕、酸將