风控手册定版Word文件下载.docx

风控手册定版Word文件下载.docx

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手

册

〔内部资料严禁泄露〕

前言...................................................................................1

第一章借款申请...........................................................................2

1.自然人申请..........................................................................2

2.接待申请咨询........................................................................2

3.信贷员和客户面谈时的注意点..........................................................3

第二章受理借款申请及调查分析方法.........................................................3

1.受理借款工程........................................................................3

2.财务分析............................................................................4

3.非财务分析.........................................................................4

4.贷前调查实用网站....................................................................5

第三章贷前调查...........................................................................8

1.借款工程现场调查....................................................................8

2.经营工程调查........................................................................8

3.借款用途调查........................................................................8

4.反担保措施调查......................................................................9

5.还款来源调查........................................................................9

6.风险分析及应对措施..................................................................9

7.调查的方法及要点....................................................................9

第四章借款审查及调查报告的撰写..........................................................11

1.审查借款用途.......................................................................11

2.审查企业财务报表的真伪.............................................................11

3.审查抵（质〕押物的情况..............................................................12

4.审查借款人的信用品行情况...........................................................12

5.突出审查借款风险控制点.............................................................12

6.调查报告的撰写.....................................................................12

第五章借款审批和资料整理移交............................................................14

第六章签订合同..........................................................................14

1.签字与盖章方面......................................................................14

2.合同副本的法律效力方面..............................................................14

3.协议生效方面........................................................................14

第七章办理抵（质〕押流程.................................................................14

1.抵押借款操作流程....................................................................15

2.质押借款操作流程....................................................................17

3.相关物品抵〔质〕押事项..............................................................19

第八章贷后管理..........................................................................22

1.加强贷后检查.......................................................................22

2.加强对不良借款的管理...............................................................22

3.定期检查与随机抽查相结合...........................................................23

4.对借款人的贷后监控.................................................................23

5.借款的催收.........................................................................26

6.完善档案管理制度...................................................................28

7.贷后跟踪调查要点...................................................................28

第九章借款追偿..........................................................................29

1.追偿中需关注的问题.................................................................29

2.借后管理追偿的手段.................................................................30

3.借款到期的处理.....................................................................30

第十章常见风险及控制措施................................................................32

1.常见风险............................................................................32

2.风险控制措施........................................................................39

第十一章法律风险控制....................................................................43

1.逾期还款违约金〔或利息〕的数额如何确定..............................................43

2.借款合同未约定归还顺序时，是先归还利息还是先归还本金................................43

3.房产作为民间借贷的的抵押物时的注意点................................................44

4.担保方式的法律风险.................................................................44

5.如何防范民间借贷风险...............................................................44

6.哪些股权可以在工商行政管理机关办理股权出质登记.....................................44

7.股权出质登记事项有哪些..............................................................45

8.股权出质登记共分为几种，分别应当由谁提出，应提供哪些材料............................45

9.登记机关对股权出质登记申请不予登记的情形有哪些......................................46

10.公告催收面临的法律风险.............................................................46

11.防范公告催收的法律风险的建议....................................................