第5章-贷款业务.pptVIP

* Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. * Insert a map of your country. 第二节 贷款方式 4、对票据贴现方式的评价 ①对贴现申请人（企业）来说，提前收回垫支于商业信用的资金，贴现还为企业提供了灵活便捷的融资方式，促使企业以延期付款方式推销商品，疏通流通渠道。 ②对银行来说，能较快收回贷出款项，贴现所占比例的提高，有利于降低银行整体资产的风险。 ③对央行来说，有利于对商业银行资金需求进行调节，影响商业银行的资金投向结构。 第三节 借款人信用分析 银行倾向于对贷款构筑多重安全保障，这要求借款人拥有两三个资金来源以还贷，最常见的还贷来源有： 借款企业的利润或现金流量 用作抵押的资产 良好的资产负债表，有足够的可出售资产和净资产 企业提供的担保 要获得上述还贷资金来源的信息，就需要对客户财务报表进行分析。 一、信用分析技术 见教材，戴国强主编《商业银行经营学》（第三版）第五章第四节“贷款信用风险管理”。 本节其它内容见作业。 还款人品格——还款意愿 还款人能力和经营环境——持续经营能力 成本、质量、销售、竞争力、经验等 还款人资本——还款能力 贷款担保——变现能力 5p personal purpose payment protection perspective 5c characte