································································································ 14
考点9 绿色信贷 ······································································································································ 15
第4节 同步强化训练 ··············································································································· 15
第2章 公司信贷营销
第1节 目标市场分析 ··············································································································· 23
考点1 市场环境分析 ······························································································································ 23
考点2 市场细分 ······································································································································ 25
考点3 市场选择和定位 ·························································································································· 29
第2节 营销策略 ······················································································································ 31
考点4 产品营销策略 ······························································································································ 31
考点5 定价策略 ······································································································································ 36
考点6 营销渠道策略 ······························································································································ 40
考点7 促销策略 ······································································································································ 41
第3节 营销管理 ······················································································································ 42
考点8 营销计划 ······································································································································ 42
考点9 营销组织 ······································································································································ 43
考点10 营销领导 ···································································································································· 45
目录
VI 公司信贷讲义·真题·预测全攻略
考点11 营销控制 ···································································································································· 45
第4节 同步强化训练 ··············································································································· 46
第3章 贷款申请受理和贷前调查
第1节 借款人 ·························································································································· 55
考点1 借款人应具备的资格和基本条件 ······························································································ 55
考点2 借款人的权利和义务 ·················································································································· 56
第2节 贷款申请受理 ··············································································································· 57
考点3 面谈访问 ······································································································································ 57
考点4 内部意见反馈 ······························································································································ 59
考点5 贷款意向阶段 ······························································································································ 60
第3节 贷前调查 ······················································································································ 63
考点6 贷前调查的方法 ·························································································································· 63
考点7 贷前调查的内容 ·························································································································· 65
第4节 贷前调查报告内容要求 ································································································· 69
第5节 同步强化训练 ··············································································································· 72
第4章 贷款环境风险分析
第1节 国家与地区分析 ············································································································ 81
考点1 国别风险分析 ······························································································································ 81
考点2 区域风险分析 ······························································································································ 83
第2节 行业分析 ······················································································································ 84
考点3 行业风险的概念及其产生 ·········································································································· 84
考点4 行业风险分析 ······························································································································ 85
考点5 行业风险评估工作表 ·················································································································· 91
第3节 同步强化训练 ··············································································································· 92
第5章 借款需求分析
第1节 概述 ···························································································································· 103
考点1 借款需求的含义 ························································································································103
考点2 借款需求分析的意义 ················································································································104
考点3 借款需求的影响因素 ················································································································105
第2节 借款需求分析的内容 ·································································································· 106
考点4 销售变化引起的需求 ················································································································106
考点5 资产变化引起的需求 ················································································································112
考点6 负债和分红变化引起的需求 ····································································································115
目 录 VII
考点7 其他变化引起的需求 ················································································································117
第3节 借款需求与负债结构 ·································································································· 118
第4节 同步强化训练 ············································································································· 120
第6章 客户分析
第1节 客户品质分析 ············································································································· 130
考点1 客户品质的基础分析 ················································································································130
考点2 客户经营管理状况分析 ············································································································133
第2节 客户财务分析 ············································································································· 135
考点3 概述 ············································································································································135
考点4 资产负债表分析 ························································································································137
考点5 利润表分析 ································································································································138
考点6 现金流量分析 ····························································································································140
考点7 财务报表综合分析 ····················································································································143
第3节 客户信用评级 ············································································································· 148
考点8 客户信用评级的概念 ················································································································148
考点9 评级因素及方法 ························································································································148
考点10 操作程序和调整 ······················································································································150
第4节 同步强化训练 ············································································································· 151
第7章 贷款项目评估
第1节 概述 ···························································································································· 161
考点1 基本概念 ····································································································································161
考点2 项目评估的内容 ························································································································163
考点3 项目评估的要求和组织 ············································································································164
考点4 项目评估的意义 ························································································································164
第2节 项目非财务分析 ·········································································································· 165
考点5 项目背景分析 ····························································································································165
考点6 市场需求预测分析 ····················································································································167
考点7 生产规模分析 ····························································································································169
考点8 原辅料供给分析 ························································································································170
考点9 技术及工艺流程分析 ················································································································171
考点10 项目环境条件分析 ··················································································································173
考点11 项目组织与人力资源分析 ······································································································174
第3节 项目财务分析 ············································································································· 176
考点12 财务预测的审查 ······················································································································176
VIII 公司信贷讲义·真题·预测全攻略
考点13 项目现金流量分析 ··················································································································179
考点14 项目盈利能力分析 ··················································································································179
考点15 项目清偿能力分析 ··················································································································181
考点16 财务评价的基本报表 ··············································································································182
考点17 项目不确定性分析 ··················································································································184
第4节 同步强化训练 ············································································································· 185
第8章 贷款担保
第1节 贷款担保概述 ············································································································· 196
考点1 担保的概念 ································································································································196
考点2 贷款担保的作用 ························································································································197
考点3 贷款担保的分类 ························································································································197
考点4 担保范围 ····································································································································198
第2节 贷款保证 ···················································································································· 198
考点5 保证人资格与条件 ····················································································································198
考点6 贷款保证风险 ····························································································································200
第3节 贷款抵押 ···················································································································· 202
考点7 贷款抵押的设定条件 ················································································································202
考点8 贷款抵押风险分析 ····················································································································204
第4节 贷款质押 ···················································································································· 206
考点9 质押与抵押的区别 ····················································································································206
考点10 贷款质押的设定条件 ··············································································································207
考点11 贷款质押风险 ··························································································································210
第5节 同步强化训练 ············································································································· 211
第9章 贷款审批
第1节 贷款审批原则 ············································································································· 220
考点1 信贷授权 ····································································································································220
考点2 审贷分离 ····································································································································222
第2节 贷款审查事项及审批要素 ··························································································· 224
考点3 贷款审查事项 ····························································································································224
考点4 贷款审批要素 ····························································································································224
第3节 授信额度 ···················································································································· 226
考点5 授信额度的定义 ························································································································226
考点6 授信额度的决定因素 ················································································································227
考点7 授信额度的确定流程 ················································································································227
第4节 同步强化训练 ············································································································· 228
目 录 IX
第10章 贷款合同与发放支付
第1节 贷款合同与管理 ·········································································································· 229
考点1 贷款合同签订 ····························································································································229
考点2 贷款合同管理 ····························································································································231
第2节 贷款的发放 ················································································································· 232
考点3 贷放分控 ····································································································································232
考点4 贷款发放管理 ····························································································································234
第3节 贷款支付 ···················································································································· 238
考点5 实贷实付 ····································································································································238
考点6 受托支付 ····································································································································239
考点7 自主支付 ····································································································································241
第4节 同步强化训练 ············································································································· 241
第11章 贷后管理
第1节 对借款人的贷后监控 ·································································································· 245
考点1 经营状况监控 ····························································································································245
考点2 管理状况监控 ····························································································································247
考点3 财务状况监控 ····························································································································248
考点4 还款账户监控 ····························································································································249
考点5 与银行往来情况监控 ················································································································249
第2节 担保管理 ···················································································································· 250
考点6 保证人管理 ································································································································250
考点7 抵(质)押品管理 ·························································································································251
考点8 担保的补充机制 ························································································································251
第3节 风险预警 ···················································································································· 252
考点9 风险预警程序 ····························································································································252
考点10 风险预警方法 ··························································································································253
考点11 风险预警指标体系 ··················································································································254
考点12 风险预警的处置 ······················································································································254
第4节 信贷业务到期处理 ······································································································ 255
考点13 贷款偿还操作及提前还款处理 ······························································································255
考点14 贷款展期处理 ··························································································································256
考点15 依法收贷 ··································································································································259
考点16 贷款总结评价 ··························································································································259
第5节 档案管理 ···················································································································· 260
X 公司信贷讲义·真题·预测全攻略
考点17 档案管理的原则和要求 ··········································································································260
考点18 贷款文件的管理 ······················································································································260
考点19 贷款档案的管理 ······················································································································261
考点20 客户档案的管理 ······················································································································262
第6节 同步强化训练 ············································································································· 262
第12章 贷款风险分类与贷款损失准备金的计提
第1节 贷款风险分类概述 ······································································································ 268
考点1 贷款分类的含义和标准 ············································································································268
考点2 贷款分类的意义 ························································································································270
考点3 贷款风险分类的会计原理 ········································································································270
第2节 贷款风险分类方法 ······································································································ 272
考点4 基本信贷分析 ····························································································································272
考点5 还款能力分析 ····························································································································273
考点6 还款可能性分析 ························································································································274
考点7 确定分类结果 ····························································································································275
第3节 贷款损失准备金的计提 ······························································································· 276
考点8 贷款损失准备金的含义和种类 ································································································276
考点9 贷款损失准备金的计提基数和比例 ························································································278
考点10 贷款损失准备金的计提原则 ··································································································279
考点11 贷款损失准备金的计提方法 ··································································································279
第4节 同步强化训练 ············································································································· 281
第13章 不良贷款管理
第1节 概述 ···························································································································· 289
考点1 不良贷款的定义 ························································································································289
考点2 不良贷款的成因 ························································································································290
第2节 不良贷款的处置方式 ·································································································· 290
考点3 现金清收 ····································································································································290
考点4 重组 ············································································································································292
考点5 呆账核销 ····································································································································296
考点6 金融企业不良资产批量转让管理 ····························································································298
第3节 同步强化训练 ············································································································· 299
