本文關(guān)鍵詞：論信貸風(fēng)險報告的撰寫　出處：《產(chǎn)業(yè)與科技論壇》2014年07期 　論文類型：期刊論文

  更多相關(guān)文章： 信貸風(fēng)險報告 管理結(jié)構(gòu) 上下游核查 財務(wù)分析 信用機構(gòu)查詢 風(fēng)險等級

【摘要】：信貸風(fēng)險報告的撰寫是一門古老而青春的工作。說它古老是因為它在借貸關(guān)系產(chǎn)生的遠(yuǎn)古時候,人們都在腦海中想象推測最終交易方能不能還錢,能不能履約,算是風(fēng)險報告的最初撰寫形式。說它年輕,是因為信貸風(fēng)險隨著具體個體的不同而千差萬別,隨著時間空間的發(fā)展而瞬息萬變,我們要以年輕好奇的心態(tài)來觀察,推測未來的履約可能性。在銀行,證券,信托等金融信息領(lǐng)域,均有信貸報告撰寫的需要,例如銀行是客戶經(jīng)理負(fù)責(zé)制,即客戶經(jīng)理在負(fù)責(zé)產(chǎn)品的推廣銷售的同時需要負(fù)責(zé)信貸報告的撰寫�？蛻艚�(jīng)理對控制信貸風(fēng)險,拓展業(yè)務(wù),以及建立和維護(hù)客戶關(guān)系負(fù)首要責(zé)任�？蛻艚�(jīng)理同時應(yīng)確保開展全面的信貸風(fēng)險評估,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)�？蛻艚�(jīng)理也應(yīng)對授信進(jìn)行持續(xù)監(jiān)控,并立即向風(fēng)險管理部報告任何惡化情況。
[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)有限公司;
【分類號】：F832.4;H152
【正文快照】： 本文從筆者入行近10年以來從事信貸報告撰寫的心得入手,試圖歸納總結(jié)信貸報告撰寫中的規(guī)律和角度,從而達(dá)到全面觀察公司,完整呈現(xiàn)公司全貌,并試圖預(yù)測公司發(fā)展勢態(tài)的目的,以供同行參考。在實際工作中,我們先會搜集企業(yè)和行業(yè)基本資料,確定會見客戶時的主要談話話題。然后在和

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