【正文】 附件 2 授信審批授權(quán)手冊(cè) （ 2020）1. 前言 _____________________________________________________________________ 5 2. 適用范圍 _________________________________________________________________ 5 3. 授權(quán)方法與管理 ____________________________________________________________ 5 授權(quán)分類 ______________________________________________________________________ 5 授權(quán)原則 ______________________________________________________________________ 6 分行信貸管理等級(jí)評(píng)定 __________________________________________________________ 6 授權(quán)管理 ______________________________________________________________________ 7 授權(quán)對(duì)象 ___________________________________________________________________ 7 管理主體 ___________________________________________________________________ 7 授權(quán)期限 ___________________________________________________________________ 8 授權(quán)調(diào)整與撤銷 _____________________________________________________________ 8 授權(quán)終止 ___________________________________________________________________ 8 轉(zhuǎn)授權(quán) _____________________________________________________________________ 8 申報(bào)審批流程 _______________________________________________________________ 8 4. 公司授信業(yè)務(wù) ______________________________________________________________ 9 會(huì)議審貸制度 __________________________________________________________________ 9 業(yè)務(wù)分類 _____________________________________________________________________ 12 客戶信用評(píng)級(jí) _________________________________________________________________ 13 一般公司客戶 ______________________________________________________________ 13 中小企業(yè)客戶 ______________________________________________________________ 13 總行授信審批權(quán)限 _____________________________________________________________ 14 低風(fēng)險(xiǎn)授信審批授權(quán) ___________________________________________________________ 14 一般風(fēng)險(xiǎn)授信審 批授權(quán) _________________________________________________________ 14 審批基本權(quán)限 ______________________________________________________________ 14 審批權(quán)限 __________________________________________________________________ 14 業(yè)務(wù)單獨(dú)授權(quán) _________________________________________________________________ 15 短期簡(jiǎn)單續(xù)貸 ______________________________________________________________ 15 限制類客戶 ________________________________________________________________ 16 房地產(chǎn)貸款審批授權(quán) ________________________________________________________ 16 中小企業(yè)中長(zhǎng)期授信 ________________________________________________________ 17 集團(tuán)客戶授信 ______________________________________________________________ 18 擔(dān)保與信貸承諾 ____________________________________________________________ 18 行內(nèi)銀團(tuán)貸款 ______________________________________________________________ 18 委托貸款 __________________________________________________________________ 18 商票貼現(xiàn)審批授權(quán) __________________________________________________________ 19 機(jī)構(gòu)單獨(dú)授權(quán) _________________________________________________________________ 19 總行離岸部 ________________________________________________________________ 19 總行營(yíng)業(yè)部 ________________________________________________________________ 19 小企業(yè)信貸 中心 ____________________________________________________________ 19 香港分行 __________________________________________________________________ 19 新建一級(jí)分行 ______________________________________________________________ 20 二級(jí)分行 __________________________________________________________________ 20 招商銀行授信審批授權(quán)手冊(cè) 3 異地客戶授信 _________________________________________________________________ 20 定義與范圍 ___________________________________________________________________ 20 授權(quán)原則 _____________________________________________________________________ 20 審批授權(quán) _____________________________________________________________________ 20 省內(nèi)異地授信 ______________________________________________________________ 20 省外異地授信 ______________________________________________________________ 21 “1+N ”模式下異地授信 _____________________________________________________ 21 行內(nèi)銀團(tuán)貸款管理 __________________________________________________________ 22 授信額度執(zhí)行 _________________________________________________________________ 22 額度項(xiàng)下國(guó)際貿(mào)易融資業(yè)務(wù) __________________________________________________ 22 額度項(xiàng)下一般提款業(yè)務(wù) ______________________________________________________ 23 授信方案調(diào)整 ______________________________________________________________ 24 額度執(zhí)行管理 ______________________________________________________________ 26 雙簽審批授權(quán) _________________________________________________________________ 27 雙簽組 27 審批規(guī)則 __________________________________________________________________ 27 審批授權(quán) __________________________________________________________________ 28 5. 金融機(jī)構(gòu)授信與擔(dān)保機(jī)構(gòu)業(yè)務(wù) _________________________________________________ 29 同業(yè)授信額度審批授權(quán) _________________________________________________________ 29 分級(jí)審批和集中管理 ________________________________________________________ 29 批量審批和個(gè)案審批 ________________________________________________________ 30 審批授權(quán) __________________________________________________________________ 30 申報(bào)審批流程 ______________________________________________________________ 31 資產(chǎn)轉(zhuǎn)讓業(yè)務(wù) _________________________________________________________________ 31 資產(chǎn)受讓業(yè)務(wù) _________________________________________________________________ 31 專業(yè)擔(dān)保機(jī)構(gòu)擔(dān)保額度審批授權(quán) _________________________________________________ 31 6. 投資銀行及金融市場(chǎng)業(yè)務(wù) ____________________________________________________ 32 申報(bào)流程 _____________________________________________________________________ 32 審批授權(quán) _____________________________________________________________________ 33 資金交易審批授權(quán) _____________________________________________________________ 33 人民幣債券投資 ____________________________________________________________ 33 外幣債券投資 ______________________________________________________________ 35 衍生交易信用額度 __________________________________________________________ 36 7. 零售資產(chǎn)業(yè)務(wù) _____________________________________________________________ 37 零售資產(chǎn)分類 _________________________________________________________________ 37 分道審批