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培训材料之一
项目评审方法与标准
(中长期授信项目)
2008年8月
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本讲的主要内容
授信项目评审理念、目标和原则
授信项目评审通则
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、项目评审理念、目标和原则
本讲的内容主要适用于中长期授信项目
■范图:本外币中长期贷款、施工准备贷款、外汇转贷
款、对外担保、开具信用证等北务
■期限:三年以上项目
2、基本要求
-合法合规
条件完备
可控制和适度原則
--申慎原则
风险收益匹配
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项目评审理念、目标和原则
3、目标
按照银行总体发展战略和经营目标,在适应市场竞争和符合
监管规则的前提下,从源头上防范和控制信贷风险,为银行
提供充足、优质资产。
评审阶段目标:通过为客户提供优质高效的服务,抓住
好客户和好项目;通过准确识别风险、客观度量风险,
优化贷款产品设计,控制信贷风险;为审查提供基础
为审议和决策提供客观、真实、完整和准确的依据
·审议阶段目标:确保评审合规性;分析判断信贷风险
提出决策建议;评价评审质量。
4
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