论信贷风险报告的撰写

发布时间：2018-01-06 23:18

本文关键词：论信贷风险报告的撰写　出处：《产业与科技论坛》2014年07期 　论文类型：期刊论文

【摘要】：信贷风险报告的撰写是一门古老而青春的工作。说它古老是因为它在借贷关系产生的远古时候,人们都在脑海中想象推测最终交易方能不能还钱,能不能履约,算是风险报告的最初撰写形式。说它年轻,是因为信贷风险随着具体个体的不同而千差万别,随着时间空间的发展而瞬息万变,我们要以年轻好奇的心态来观察,推测未来的履约可能性。在银行,证券,信托等金融信息领域,均有信贷报告撰写的需要,例如银行是客户经理负责制,即客户经理在负责产品的推广销售的同时需要负责信贷报告的撰写。客户经理对控制信贷风险,拓展业务,以及建立和维护客户关系负首要责任。客户经理同时应确保开展全面的信贷风险评估,以及严格遵守信贷政策、指引和流程,以及各种授信条件(包括先决条件和后续条件)。客户经理也应对授信进行持续监控,并立即向风险管理部报告任何恶化情况。
[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.
【作者单位】：汇丰银行(中国)有限公司;
【分类号】：F832.4;H152
【正文快照】： 本文从笔者入行近10年以来从事信贷报告撰写的心得入手,试图归纳总结信贷报告撰写中的规律和角度,从而达到全面观察公司,完整呈现公司全貌,并试图预测公司发展势态的目的,以供同行参考。在实际工作中,我们先会搜集企业和行业基本资料,确定会见客户时的主要谈话话题。然后在和

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