风控手册定版.docx
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风控手册定版.docx
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风控手册定版
风
险
控
制
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....................................................................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......................................................
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