【正文】 ....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(xiǎn)經(jīng)理應(yīng)起到什么作用 ...........................................................................11第二章 風(fēng)險(xiǎn)經(jīng)理是貸前風(fēng)險(xiǎn)管理的揭幕人 .............................................................13一、現(xiàn)場(chǎng)調(diào)查的宜注意事項(xiàng) ...............................................................................13二、非現(xiàn)場(chǎng)調(diào)查中幾個(gè)容易忽略的風(fēng)險(xiǎn)點(diǎn) .......................................................14（一）關(guān)注企業(yè)的實(shí)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(xiàng)目的合規(guī)性 ...............................................................................19三、風(fēng)險(xiǎn)經(jīng)理需要格外重視的風(fēng)險(xiǎn)點(diǎn) ...............................................................21（一）將企業(yè)生命周期分析融入貸前風(fēng)險(xiǎn)控制 ...........................................21（二）財(cái)務(wù)數(shù)據(jù)造假的隱藏方式 ...................................................................22（三）重視第一還款來(lái)源勿當(dāng)?shù)洚?dāng)行 ...........................................................25（四）充實(shí)第二還款來(lái)源防范信貸資產(chǎn)風(fēng)險(xiǎn) ...............................................28四、不宜忽略授信方案設(shè)計(jì)的初步意見(jiàn) ...........................................................28第三章 風(fēng)險(xiǎn)經(jīng)理的舞臺(tái)：貸前風(fēng)險(xiǎn)評(píng)估 ...................................................................31一、貸前風(fēng)險(xiǎn)評(píng)估的思路 ...................................................................................31（一）從風(fēng)險(xiǎn)傳導(dǎo)機(jī)制看貸前評(píng)估各個(gè)階段 ...............................................31（二）應(yīng)用現(xiàn)有數(shù)據(jù)庫(kù)挖掘所需要的信息 ...................................................32（三）沒(méi)有最好的、只有最適合的風(fēng)險(xiǎn)評(píng)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(xiǎn)的主要因素 ...........................................................34（二）企業(yè)經(jīng)營(yíng)狀況分析 ...............................................................................342 / 62（三）企業(yè)財(cái)務(wù)狀況分析 ...............................................................................38（四）企業(yè)貸款擔(dān)保情況分析 .......................................................................39三、項(xiàng)目貸款貸前風(fēng)險(xiǎn)評(píng)估 ...............................................................................40（一）影響項(xiàng)目貸款風(fēng)險(xiǎn)的主要因素 ...........................................................40（二）項(xiàng)目概況評(píng)估 .......................................................................................41（三）項(xiàng)目市場(chǎng)風(fēng)險(xiǎn)分析 ...............................................................................42（四）項(xiàng)目效益評(píng)估 .......................................................................................43第四章 風(fēng)險(xiǎn)經(jīng)理貸前風(fēng)險(xiǎn)管理實(shí)操案例 .................................................................45一、某企業(yè)貸前風(fēng)險(xiǎn)評(píng)價(jià)案例 ...........................................................................45（一）企業(yè)基本情況介紹 ...............................................................................45（二）在財(cái)務(wù)分析的基礎(chǔ)上深入挖掘風(fēng)險(xiǎn)點(diǎn) ...............................................47（三）案例對(duì)比分析 .......................................................................................48二、某房地產(chǎn)開(kāi)發(fā)項(xiàng)目貸款的貸前風(fēng)險(xiǎn)評(píng)估案例 ...........................................50（一）項(xiàng)目背景介紹 .......................................................................................50（二）企業(yè)信用風(fēng)險(xiǎn)評(píng)估 ...............................................................................52（三）項(xiàng)目風(fēng)險(xiǎn)評(píng)估 .......................................................................................53（四）貸款方式風(fēng)險(xiǎn)評(píng)估 ...............................................................................55（五）貸款風(fēng)險(xiǎn)評(píng)估結(jié)論 ...............................................................................55三、花旗銀行貸前風(fēng)險(xiǎn)評(píng)價(jià)案例 .......................................................................56（一）客戶(hù)信息定性分析 ...............................................................................56（二）財(cái)務(wù)狀況評(píng)價(jià) .......................................................................................57（三）抵押和擔(dān)保評(píng)價(jià) ...................................................................................58（四）貸前風(fēng)險(xiǎn)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(hù)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(xiǎn)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(jì) ....................................................29圖表 6：各模型的適用環(huán)境及缺陷 .........................................................................33圖表 7：客戶(hù)經(jīng)營(yíng)指標(biāo)分析目的 .............................................................................37圖表 8：企業(yè)經(jīng)營(yíng)狀況分析關(guān)注指標(biāo) .....................................................................38圖表 9：某公司綜合財(cái)務(wù)指標(biāo) .................................................................................38圖表 10：財(cái)務(wù)風(fēng)險(xiǎn)作用機(jī)制 ...................................................................................39圖表 11：風(fēng)險(xiǎn)經(jīng)理識(shí)別風(fēng)險(xiǎn)后的可解決方案 .......................................................41圖表 12：申貸項(xiàng)目信用等級(jí)指標(biāo) ...........................................................................42圖表 13：某銀行項(xiàng)目市場(chǎng)風(fēng)險(xiǎn)評(píng)估主要指標(biāo) .......................................................43圖表 14：某銀行項(xiàng)目效益評(píng)估的主要指標(biāo) ...........................................................44圖表 15：B 公司資產(chǎn)負(fù)債表 ...................................................................................46圖表 16：B 公司損益表 ...........................................................................................46圖表 17：B 公司財(cái)務(wù)分析匯總表 ...........................................................................47圖表 18：B 企業(yè)財(cái)務(wù)狀況（單位：萬(wàn)元） ........................................