多选题：以下不属于银行市场环境分析中微观环境分析的有（　　）。

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题目内容：
以下不属于银行市场环境分析中微观环境分析的有（　　）。 A．客户的信贷需求和信贷动机
B．政治环境
C．法律环境
D．信贷资金的供求状况
E．银行同业竞争对手的实力与策略

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