问一道题：NO.PZ2016082405000002

Brent Gulick, a cret analyst with Home Town Bank, is consiring the loapplication of a small, loccalership. The alership hbeen solely owneBob Justifor more th20 years ansells three bran of Americautomobiles. Because of the rurlocation, most of the cars solin the past the alership have been large pick-up trucks ansports utility vehicles. However, sales have cline angasoline prices have continueto increase. a result, Justiis consiring selling a line of hybricars. Justihborrowefrom Home Town Bank before but currently es not have a balanoutstanng with the bank. Whiof the following statements is not one of the four components of cret analysis Gulishoulevaluating when performing the cret analysis for this potentiloan? The business environment, competition, aneconomic climate in the region. Justice’s character anpast payment history with the bank. The calerships balansheets anincome statements for the last few years well Justice's personfinancisituation. The financihealth of Justice’s frien anfamily who coulcalleupon to guarantee the loan. There are four primary components of cret risk evaluation: (1) the borrower’s (obligor’s) willingness ancapacity to repthe loan, (2) the effeof externcontions on the borrower’s ability to repthe loan, (3) the inherent characteristiof the cret instrument anthe extent to whithe characteristiaffethe borrower’s willingness anability to repthe loan, an(4) the quality anaquaof risk mitigants sucollateranloguarantees. In this case, the locbusiness environment, Justice’s character, his payment history, anthe business’s financipositions are all relevant. While risk mitigants sucollateranloguarantees are part of cret analysis, it is unlikely tha loccaler who hbeen in business for 20 years woulseeking a loguarantee from a frienor family member. In aition, even if Justiwere looking a potentiloguarantor, Guliwoulnot simply evaluate his -frien anfamily- but woulevaluate the specific person or business thintento guarantee the loan. 请问(3)说的是什么