Core_Presentation_-_Combined（银行风险偏好及贷后管理专题讲座））.ppt

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 * * * * * * * * * * * * * * * * 这是绝对的核心，应该成为决定客户信贷交易的“蓝图” 许多国外银行有反映信贷文化的精心设计的分析模板 它们要求客户经理整合分析客户的需求、产品、还款来源、风险、监控战略以及贯彻始终的一般客户战略。 当我们制定并应用这个模板后，业务质量提高了，审批时间大幅缩减超过50% 客户经理普遍喜欢这个模板，并说“它要求你更多思考” 在中国，有各种各样的做法 我看到很多的“填表”，很少的分析 我几乎没有看到过综合的部分 缺少系统分析是审批时间那么长的原因 我要强调两个方面 监控战略方面，这是客户监控的根本基础 我也要强调设计产品满足客户资产周转循环的需求（下一页） * * * * 营业活动净现金流 = 净主营业务收入净额 - Δ 应收票据款 -主营业务成本 (不包括折旧) - Δ 存货+ Δ 应付账款和其他应付交易款 - 上缴税 * * * * * * * * * * This feeds back to the slide we discussed earlier when discussing industry. The idea of monitoring being a business tool as well as a credit tool. Smart RMs are able to combine the two monitoring schemes into one. * * This is a matrix. Just a part of a much larger list. We will need to work together to put together a similar list based on CCB’s organization and needs. That’s why I haven’t listed the departments associated with this. Ask who is responsible for a few of these at CCB. Who is responsible to make sure we get the financials? What happens if they are not delivered on time? Is there a requirement to analyze them. How much time does it take? * We are using a speciialized definition here, because this term is used in a much broader sense in the Bank. This is a part of monitoring. * In local banks, the action part is easy. Because the trouble is usually discovered late. It’s a matter of cha feng, legal procedures, also a