风控及调查纲要（Risk control and investigation outline）.docVIP

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风控及调查纲要（Risk control and investigation outline）.doc

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风控及调查纲要（Risk control and investigation outline）

风控及调查纲要（Risk control and investigation outline） Discussion on risk control of Guarantee Corporation Source: site original date: 2010, 04, 12 According to the characteristics of short term liquidity and large liquidity of the working capital loans for SMEs, in order to effectively control the risk of guarantee, a substantive examination of the work of guarantee investigation, 3+3+3+1, is put forward: 30%, the focus of the work is on the performance of enterprises in the past investigation. Through the review of the past financial position, operating performance and other basic conditions of the enterprise, the company should make reasonable judgement on its credit capacity. 30%, the focus of the work is on the review of future business forecasts. Through the review of the profitability forecast during the enterprise loan period, the paper focuses on the analysis of cash flow forecasting to determine the ability of the enterprise to repay the loan due. 30%, the emphasis of the work is on the selection of counter guarantee measures. Through the analysis of the counter guarantee measures offered by enterprises, the best counter guarantee scheme is determined to avoid the risk of guarantee. 10%, the focus of the work is to comprehensively evaluate the risk of guarantee, and put forward the key links in the implementation of the guarantee and the organizational arrangements for the post guarantee supervision. Focus on the organizational arrangements for the implementation of the guarantee process, as well as in the process of implementation should be reminded of matters needing attention, to do a good job after the investigation program, in order to facilitate the implementation of the supervision of the post insurance. The specific work is envisaged as follows: I. investigation of past operating performance (i.e., review of credit capacity) After the enterprise provides the loan guarantee application material, through the company preliminary form examination, conforms to