公司客户信贷风险剖析.docVIP

公司客户信贷风险剖析 　　[摘 要] 银行在受理公司客户贷款申请时，对公司客户的信贷风险分析是非常重要环节。本文基于整体信贷风险分析理念，重点对公司客户如何进行行业风险分析、业务风险分析、管理评估及财务风险分析方面做了介绍，使人们对信贷风险分析方法有了深入了解，对金融英语学习者和银行公司信贷从业者完善信贷分析方面提供了参考。 　　[关键词] 行业风险；业务风险；管理评估；财务风险 　　【中图分类号】F832.4；F224 　　Abstract： When the corporate client applies the loan， it is very important for the bank to conduct credit risk analysis on the corporate client. This paper introduced how to analyze corporate client’s industry risk， business risk， management evaluation and financial risk， based on a value-based credit analysis framework including qualitative and quantitative. This paper can not only make people understand the method of credit risk analysis but also provide very good reference to the bankers and English learners on fiance. 　　Key words： industry risk， business risk， management evaluation， financial risk 　　When the bank wants to lend their money to one corporate client， they must make detailed credit risk analysis on the customer’s business， cash flow， financial etc. A good method of credit risk analysis will help the bank to identify customer’s risk correctly and then they can on board the right customer. Today， we want to introduce one method of credit risk analysis， ie.， the value-based credit analysis framework. The Value Based Credit Analysis Framework provides a disciplined and progressive thought process to do a robust corporate credit analysis. It is therefore important to： understand the component parts， and be able to apply them in an integrated manner to analyze a corporate client. 　　There are below main contents on value-based credit analysis framework. We will introduce details in below parts：Business risk analysis， Management evaluation and Financial risk analysis 　　Business Risk Analysis 　　Business risk is the risk that a company may not be able to complete effectively and adequately its operating cycle. Business risk includes 4 types of risks： Supply risk， production risk， demand risk and collection risk. 　　For demand risk， the ban