本文關(guān)鍵詞：論信貸風(fēng)險(xiǎn)報(bào)告的撰寫(xiě)　出處：《產(chǎn)業(yè)與科技論壇》2014年07期 　論文類(lèi)型：期刊論文

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【摘要】：信貸風(fēng)險(xiǎn)報(bào)告的撰寫(xiě)是一門(mén)古老而青春的工作。說(shuō)它古老是因?yàn)樗诮栀J關(guān)系產(chǎn)生的遠(yuǎn)古時(shí)候,人們都在腦海中想象推測(cè)最終交易方能不能還錢(qián),能不能履約,算是風(fēng)險(xiǎn)報(bào)告的最初撰寫(xiě)形式。說(shuō)它年輕,是因?yàn)樾刨J風(fēng)險(xiǎn)隨著具體個(gè)體的不同而千差萬(wàn)別,隨著時(shí)間空間的發(fā)展而瞬息萬(wàn)變,我們要以年輕好奇的心態(tài)來(lái)觀(guān)察,推測(cè)未來(lái)的履約可能性。在銀行,證券,信托等金融信息領(lǐng)域,均有信貸報(bào)告撰寫(xiě)的需要,例如銀行是客戶(hù)經(jīng)理負(fù)責(zé)制,即客戶(hù)經(jīng)理在負(fù)責(zé)產(chǎn)品的推廣銷(xiāo)售的同時(shí)需要負(fù)責(zé)信貸報(bào)告的撰寫(xiě)�？蛻�(hù)經(jīng)理對(duì)控制信貸風(fēng)險(xiǎn),拓展業(yè)務(wù),以及建立和維護(hù)客戶(hù)關(guān)系負(fù)首要責(zé)任�？蛻�(hù)經(jīng)理同時(shí)應(yīng)確保開(kāi)展全面的信貸風(fēng)險(xiǎn)評(píng)估,以及嚴(yán)格遵守信貸政策、指引和流程,以及各種授信條件(包括先決條件和后續(xù)條件)。客戶(hù)經(jīng)理也應(yīng)對(duì)授信進(jìn)行持續(xù)監(jiān)控,并立即向風(fēng)險(xiǎn)管理部報(bào)告任何惡化情況。
[Abstract]:The credit risk report is an old and young job. It is said to be old because in the early days of the lending relationship, one imagines in one's mind whether or not the final deal can be repaid and whether it will be fulfilled. It's the original form of risk reporting. It's young because credit risk varies from individual to individual and changes rapidly over time and space. We have to look at it with a young curiosity and speculate on the possibility of future performance. In the areas of banking, securities, trusts and other financial information areas, there is a need to write credit reports, such as the bank is the account manager's responsibility system. That is, the account manager should be responsible for the writing of the credit report when he is responsible for the promotion and sale of the product. The account manager is responsible for controlling the credit risk and expanding the business. The account manager shall also ensure that a comprehensive credit risk assessment is conducted and that credit policies, guidelines and procedures are strictly followed. And various credit conditions (including prerequisites and subsequent conditions). The account manager shall also monitor the credit on an ongoing basis and immediately report any deterioration to risk management.
【作者單位】： 匯豐銀行(中國(guó))有限公司;
【分類(lèi)號(hào)】：F832.4;H152
【正文快照】： 本文從筆者入行近10年以來(lái)從事信貸報(bào)告撰寫(xiě)的心得入手,試圖歸納總結(jié)信貸報(bào)告撰寫(xiě)中的規(guī)律和角度,從而達(dá)到全面觀(guān)察公司,完整呈現(xiàn)公司全貌,并試圖預(yù)測(cè)公司發(fā)展勢(shì)態(tài)的目的,以供同行參考。在實(shí)際工作中,我們先會(huì)搜集企業(yè)和行業(yè)基本資料,確定會(huì)見(jiàn)客戶(hù)時(shí)的主要談話(huà)話(huà)題。然后在和

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