【正文】 ...................................................... 83 限制授信的事項(xiàng) ............................................................................ 83 限制授信的對(duì)象 ........................................................................... 83 必須嚴(yán)格控制的授信對(duì)象 ............................................................. 84 禁止和限制辦理的授信事項(xiàng) .......................................................... 84 4 授信額度 ...................................................................................................... 86 授信額度的核定對(duì)象 ..................................................................... 86 需要核定授信額度的對(duì)象 ............................................................. 86 無(wú)需核定授信額度的情況 ............................................................. 86 “問(wèn)題類授信客戶”核定授信 額度的規(guī)定 ..................................... 86 授信額度的申報(bào) ............................................................................ 87 正常類授信客戶的授信額度申報(bào) ................................................... 87 問(wèn)題類授信客戶貸款重組額度的申報(bào) ............................................ 87 正常類授信客戶完全現(xiàn)金保證額度和銀行承兌匯票貼現(xiàn)額度的申報(bào)........................................................................................................................ 87 問(wèn)題 類授信客戶完全現(xiàn)金保證額度和銀行承兌匯票貼現(xiàn)額度的申報(bào)........................................................................................................................ 87 集團(tuán)客戶的授信額度申報(bào) ............................................................. 88 授信額度的核定 ............................................................................ 88 授信額度的核定原則 .................................................................... 88 “正常類授信客戶”授信額度的綜合確定 ..................................... 88 “ 問(wèn)題類授信客戶”重組貸款授信額度的確定 .............................. 89 完全現(xiàn)金保證額度的核定 ............................................................. 89 集團(tuán)客戶授信額度的核定 ............................................................. 89 分類額度 ....................................................................................... 91 分類額度設(shè)置的一般原則 ............................................................. 91 單獨(dú)設(shè)立的分類額度 .................................................................... 93 分類額度與授信額度的關(guān)系 .......................................................... 93 分類額度的使用方式 .................................................................... 93 特殊分類額度規(guī)定 ........................................................................ 93 授信期限的設(shè)置 ............................................................................ 94 授信額度計(jì)價(jià)幣種 ......................................................................... 95 授信額度的管理 ............................................................................ 95 授信額度的使用控制 .................................................................... 95 授信額度的增加、 減少和注銷 ...................................................... 96 信貸業(yè)務(wù)手冊(cè) 4 授信額度的特殊處理 .................................................................... 97 授信安排的調(diào)整 ............................................................................ 98 授信安排調(diào)整的相關(guān)規(guī)定 ............................................................. 98 分類額度的調(diào)整規(guī)定 .................................................................... 99 集團(tuán)客戶授信額度的調(diào)整規(guī)定 ...................................................... 99 5 信貸風(fēng)險(xiǎn)評(píng)級(jí) ............................................................................................. 100 信貸風(fēng)險(xiǎn)評(píng)級(jí)體系 ....................................................................... 101 種類和 適用范圍 ......................................................................... 101 評(píng)級(jí)的申報(bào)、審批和工具 ........................................................... 101 評(píng)級(jí)的更新和終止 ...................................................................... 102 信貸風(fēng)險(xiǎn)評(píng)級(jí)的相關(guān)職責(zé) ............................................................ 103 評(píng)級(jí)申報(bào)人 ................................................................................ 103 評(píng)級(jí)審查人 ................................................................................ 103 評(píng)級(jí)審批人 ................................................................................ 103 信貸風(fēng)險(xiǎn)評(píng)級(jí)的評(píng)估內(nèi)容 ............................................................ 103 信貸風(fēng)險(xiǎn)評(píng)級(jí)的級(jí)別 ................................................................... 104 信貸風(fēng)險(xiǎn)評(píng)級(jí)的方法 ................................................................... 108 授信對(duì)象風(fēng)險(xiǎn)評(píng)級(jí) ...................................................................... 109 授信業(yè)務(wù)風(fēng)險(xiǎn)評(píng)級(jí) ...................................................................... 120 集團(tuán)客戶風(fēng)險(xiǎn)評(píng)級(jí) ....................................................................... 124 集中授信模式 ............................................................................. 124 監(jiān)控模式 .................................................................................... 124 6 行業(yè)投向指引 ............................................................................................. 125 總體要求 ..................................................................................... 125 總體投向要求 ............................................................................. 126 關(guān)注匯率調(diào)整對(duì)行業(yè)的