章 公司信貸概述.........................................1
要點導圖.....................................................1
知識解讀.....................................................1
一、公司信貸基礎.........................................1
二、公司信貸管理.........................................7
四、公司信貸主要產(chǎn)品....................................10
同步自測....................................................14
答案詳解....................................................17
第二章 貸款申請受理和貸前調查..............................19
要點導圖....................................................19
知識解讀....................................................19
一、借款人..............................................19
二、貸款申請受理........................................23
三、貸前調查............................................27
四、貸前調查報告內容要求................................30
同步自測....................................................32
答案詳解....................................................33
第三章 貸款環(huán)境風險分析....................................35
要點導圖....................................................35
知識解讀....................................................36
一、國別風險分析(中級考試內容)..........................36
二、區(qū)域風險分析........................................38
三、行業(yè)風險分析........................................41
同步自測....................................................46
答案詳解....................................................47
第四章 借款需求分析........................................49
要點導圖....................................................49
知識解讀....................................................50
一、概述................................................50
二、借款需求分析的內容..................................51
三、借款需求與負債結構..................................57
四、借款需求的一般測算（中級考試內容）..................58
同步自測....................................................60
答案詳解....................................................63
第五章 客戶分析與信用評級..................................65
要點導圖....................................................65
知識解讀....................................................66
一、客戶品質分析........................................66
二、客戶財務分析........................................70
三、客戶信用評級........................................83
四、債項評級(中級考試內容)..............................87
同步自測....................................................89
答案詳解....................................................92
第六章 固定資產(chǎn)貸款項目評估（中級考試內容）................94
要點導圖....................................................94
知識解讀....................................................95
一、概述................................................95
二、項目非財務分析......................................101
三、項目財務分析........................................115
同步自測....................................................125
答案詳解....................................................130
第七章 擔保管理............................................134
要點導圖....................................................134
知識解讀....................................................135
一、貸款擔保概述........................................135
二、保證擔保............................................138
三、抵押擔保............................................142
四、質押擔保............................................147
同步自測....................................................152
答案詳解....................................................155
第八章 信貸審批............................................157
要點導圖....................................................157
知識解讀....................................................157
一、信貸授權與審貸分離..................................157
二、貸款審查事項及審批要素..............................161
三、授信額度及審批......................................164
同步自測....................................................165
答案詳解....................................................167
第九章 貸款合同與發(fā)放支付..................................169
要點導圖....................................................169
知識解讀....................................................170
一、貸款合同與管理......................................170
二、貸款的發(fā)放..........................................173
三、貸款支付............................................179
同步自測....................................................182
答案詳解....................................................185
第十章 貸后管理............................................186
要點導圖....................................................186
知識解讀....................................................187
一、對借款人的貸后監(jiān)控..................................187
二、貸款用途及還款賬戶監(jiān)控..............................191
三、專項貸后管理(中級考試內容)..........................193
四、擔保管理............................................195
五、風險預警............................................197
六、信貸業(yè)務到期處理....................................199
七、檔案管理............................................203
同步自測....................................................205
答案詳解....................................................207
第十一章 貸款風險分類與貸款損失準備金的計提................209
要點導圖....................................................209
知識解讀....................................................209
一、貸款風險分類概述....................................209
二、貸款風險分類方法....................................211
三、貸款損失準備金的計提(中級考試內容)..................215
同步自測....................................................218
答案詳解....................................................220
第十二章 不良貸款管理......................................222
要點導圖....................................................222
知識解讀....................................................222
一、不良貸款的定義......................................222
二、不良貸款的處置方式..................................223
三、不良貸款的責任認定(中級考試內容)....................230
同步自測....................................................232
答案詳解....................................................233