【正文】 1 / 62本期專題：風(fēng)險經(jīng)理貸前風(fēng)險評估與管理實務(wù)正文目錄序 章 以更有效的識別風(fēng)險為己任 ...........................................................................5第一章 風(fēng)險經(jīng)理參與貸前風(fēng)險管理的準(zhǔn)備工作 .......................................................6一、貸前風(fēng)險評估需要掌握的知識背景 .............................................................6（一）知己知彼，百戰(zhàn)不殆 ..............................................................................6（二）對不同的客戶應(yīng)了解不同的內(nèi)容 .........................................................7（三）善于從其他渠道獲取側(cè)面信息 .............................................................8二、有選擇的參與貸前調(diào)查 .................................................................................8三、風(fēng)險經(jīng)理應(yīng)起到什么作用 ...........................................................................11第二章 風(fēng)險經(jīng)理是貸前風(fēng)險管理的揭幕人 .............................................................13一、現(xiàn)場調(diào)查的宜注意事項 ...............................................................................13二、非現(xiàn)場調(diào)查中幾個容易忽略的風(fēng)險點 .......................................................14（一）關(guān)注企業(yè)的實際資本 ...........................................................................14（二）關(guān)注企業(yè)的股權(quán)結(jié)構(gòu) ...........................................................................15（三）關(guān)注企業(yè)的法定負(fù)責(zé)人 .......................................................................15（四）可能存在的關(guān)聯(lián)交易 ...........................................................................16（五）貸款項目的合規(guī)性 ...............................................................................19三、風(fēng)險經(jīng)理需要格外重視的風(fēng)險點 ...............................................................21（一）將企業(yè)生命周期分析融入貸前風(fēng)險控制 ...........................................21（二）財務(wù)數(shù)據(jù)造假的隱藏方式 ...................................................................22（三）重視第一還款來源勿當(dāng)?shù)洚?dāng)行 ...........................................................25（四）充實第二還款來源防范信貸資產(chǎn)風(fēng)險 ...............................................28四、不宜忽略授信方案設(shè)計的初步意見 ...........................................................28第三章 風(fēng)險經(jīng)理的舞臺：貸前風(fēng)險評估 ...................................................................31一、貸前風(fēng)險評估的思路 ...................................................................................31（一）從風(fēng)險傳導(dǎo)機(jī)制看貸前評估各個階段 ...............................................31（二）應(yīng)用現(xiàn)有數(shù)據(jù)庫挖掘所需要的信息 ...................................................32（三）沒有最好的、只有最適合的風(fēng)險評估模型 ........................................33二、企業(yè)還款能力分析 .......................................................................................33（一）影響企業(yè)貸款風(fēng)險的主要因素 ...........................................................34（二）企業(yè)經(jīng)營狀況分析 ...............................................................................342 / 62（三）企業(yè)財務(wù)狀況分析 ...............................................................................38（四）企業(yè)貸款擔(dān)保情況分析 .......................................................................39三、項目貸款貸前風(fēng)險評估 ...............................................................................40（一）影響項目貸款風(fēng)險的主要因素 ...........................................................40（二）項目概況評估 .......................................................................................41（三）項目市場風(fēng)險分析 ...............................................................................42（四）項目效益評估 .......................................................................................43第四章 風(fēng)險經(jīng)理貸前風(fēng)險管理實操案例 .................................................................45一、某企業(yè)貸前風(fēng)險評價案例 ...........................................................................45（一）企業(yè)基本情況介紹 ...............................................................................45（二）在財務(wù)分析的基礎(chǔ)上深入挖掘風(fēng)險點 ...............................................47（三）案例對比分析 .......................................................................................48二、某房地產(chǎn)開發(fā)項目貸款的貸前風(fēng)險評估案例 ...........................................50（一）項目背景介紹 .......................................................................................50（二）企業(yè)信用風(fēng)險評估 ...............................................................................52（三）項目風(fēng)險評估 .......................................................................................53（四）貸款方式風(fēng)險評估 ...............................................................................55（五）貸款風(fēng)險評估結(jié)論 ...............................................................................55三、花旗銀行貸前風(fēng)險評價案例 .......................................................................56（一）客戶信息定性分析 ...............................................................................56（二）財務(wù)狀況評價 .......................................................................................57（三）抵押和擔(dān)保評價 ...................................................................................58（四）貸前風(fēng)險管理理念展望 .......................................................................593 / 62圖表目錄圖表 1：了解自己的產(chǎn)品 ...........................................................................................6圖表 2：申貸客戶信用要素分析 ...............................................................................7圖表 3：不同情況側(cè)重不同的信息 ...........................................................................7圖表 4：風(fēng)險經(jīng)理取得信息的渠道 ...........................................................................8圖表 5：某銀行為 X 企業(yè)提供授信的方案設(shè)計 ....................................................29圖表 6：各模型的適用環(huán)境及缺陷 .........................................................................33圖表 7：客戶經(jīng)營指標(biāo)分析目的 .............................................................................37圖表 8：企業(yè)經(jīng)營狀況分析關(guān)注指標(biāo) .....................................................................38圖表 9：某公司綜合財務(wù)指標(biāo) .................................................................................38圖表 10：財務(wù)風(fēng)險作用機(jī)制 ...................................................................................39圖表 11：風(fēng)險經(jīng)理識別風(fēng)險后的可解決方案 .......................................................41圖表 12：申貸項目信用等級指標(biāo) ...........................................................................42圖表 13：某銀行項目市場風(fēng)險評估主要指標(biāo) ...................................................