【正文】 .................................................................153 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)及其形成原因 .....................................................................16 商業(yè)銀行信貸風(fēng)險(xiǎn)形成理論 .....................................................................................................16 經(jīng)濟(jì)基礎(chǔ)決定論 .................................................................................................................16 經(jīng)濟(jì)政策和經(jīng)濟(jì)制度相關(guān)論 .............................................................................................17 信息不對(duì)稱(chēng)理論 .................................................................................................................17V / 78 預(yù)算軟約束理論 .................................................................................................................17 銀行行為導(dǎo)致銀行風(fēng)險(xiǎn) .....................................................................................................18 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)形成原因 .............................................................................................18 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)形成外部原因 .............................................................................19 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)形成內(nèi)部原因 .............................................................................21 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)內(nèi)部和外部原因分析 .................................................................224 我國(guó)商業(yè)銀行信貸評(píng)估風(fēng)險(xiǎn)控制分析 .....................................................................24 客戶(hù)評(píng)價(jià)分析 .............................................................................................................................24 外部環(huán)境 .............................................................................................................................24 行業(yè)分析 .............................................................................................................................25 產(chǎn)品與市場(chǎng) .........................................................................................................................25 人力資源 .............................................................................................................................26 財(cái)務(wù)評(píng)價(jià) .............................................................................................................................26 客戶(hù)信用等級(jí)評(píng)定 .....................................................................................................................27 客戶(hù)授信量分析 .........................................................................................................................295 我國(guó)商業(yè)銀行信貸審查風(fēng)險(xiǎn)控制分析 .....................................................................32 商業(yè)銀行風(fēng)險(xiǎn)管理的組織結(jié)構(gòu) .................................................................................................32 風(fēng)險(xiǎn)管理部門(mén)的設(shè)立原則 .................................................................................................32 信貸風(fēng)險(xiǎn)內(nèi)部控制體系的組織設(shè)置 .................................................................................32 審查貸款的基本情況 .................................................................................................................33 確定還款的可能性 .....................................................................................................................346 我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)事后控制分析 .....................................................................37 貸款的五級(jí)分類(lèi)定義 .................................................................................................................37 正常類(lèi)貸款 .........................................................................................................................37 關(guān)注類(lèi)貸款 .........................................................................................................................38 次級(jí)類(lèi)貸款 .........................................................................................................................38 可疑類(lèi)貸款 .........................................................................................................................39 損失類(lèi)貸款 .........................................................................................................................39 貸款分類(lèi)程序 .............................................................................................................................40 貸款分類(lèi)原則 .....................................................................................................................40 風(fēng)險(xiǎn)分類(lèi)方法 .....................................................................................................................40 貸款分類(lèi)的確定 .................................................................................................................42VI / 78 貸款風(fēng)險(xiǎn)分類(lèi)在信貸風(fēng)險(xiǎn)管理過(guò)程中的作用 .........................................................................437 案例分析 .....................................................................................................................................44 案例一—— 商業(yè)銀行信貸風(fēng)險(xiǎn)事前控制 .................................................................................44 企業(yè)基本情況 .....................................................................................................................44 企業(yè)行業(yè)分析和競(jìng)爭(zhēng)力分析 .............................................................................................44 財(cái)務(wù)狀況分析 .....................................................................................................................47 信用評(píng)級(jí)和最高可授信額度分析 .....................................................................................51 擔(dān)保措施 .............................................................................................................................53 貸款用途和還款來(lái)源分析 .................................................................................................54 案例客戶(hù)后期情況 .............................................................................................................54 案例二—— 商業(yè)銀行信貸風(fēng)險(xiǎn)事后控制 .................................................................................54 貸款的基本情況 .................................................................................................................54 貸款風(fēng)險(xiǎn)事件的發(fā)生 ..........