小額信貸公司風(fēng)險(xiǎn)管理制度

1、小額信貸公司風(fēng)險(xiǎn)管理制度投融資及貸款風(fēng)險(xiǎn)管理制度第一章 總 則第一條 為進(jìn)一步加強(qiáng)投融資及貸款風(fēng)險(xiǎn)的防范和控制，切實(shí)化解業(yè)務(wù)風(fēng)險(xiǎn)， 提高貸款質(zhì)量，保證資金安全，建立以風(fēng)險(xiǎn)管理為核心的業(yè)務(wù)管理體制，依據(jù)中國 人民銀行、中國銀行業(yè)監(jiān)督管理委員會 （簡稱銀監(jiān)會，下同 ） 、省市金融辦關(guān)于貸款 風(fēng)險(xiǎn)管理的有關(guān)規(guī)定，結(jié)合本公司業(yè)務(wù)實(shí)際，制定本制度。第二條 業(yè)務(wù)風(fēng)險(xiǎn)管理的基本任務(wù) : 貫徹落實(shí)防范和控制金融風(fēng)險(xiǎn)的各項(xiàng)政策措 施，建立和完善適應(yīng)公司業(yè)務(wù)特點(diǎn)的風(fēng)險(xiǎn)管理制度和機(jī)制，強(qiáng)化業(yè)務(wù)風(fēng)險(xiǎn)全程管 理，有效防范、控制和化解各類業(yè)務(wù)及貸款風(fēng)險(xiǎn)，降低不良貸款，提高資產(chǎn)質(zhì)量。第三條 業(yè)務(wù)風(fēng)險(xiǎn)管理原則。業(yè)務(wù)風(fēng)險(xiǎn)管理應(yīng)

2、遵循以下原則 :（ 一 ） 業(yè)務(wù)風(fēng)險(xiǎn)管理一般原則與業(yè)務(wù)實(shí)際相結(jié)合（ 二 ） 實(shí)行業(yè)務(wù)按風(fēng)險(xiǎn)性質(zhì)和歷史成因分類管理（ 三 ） 堅(jiān)持業(yè)務(wù)風(fēng)險(xiǎn)管理權(quán)責(zé)相結(jié)合 ;（ 四 ） 堅(jiān)持把封閉管理措施納入業(yè)務(wù)風(fēng)險(xiǎn)管理。第四條 本制度適用于公司辦理的各項(xiàng)投融資及貸款。第二章 貸款風(fēng)險(xiǎn)劃分第五條 貸款風(fēng)險(xiǎn)。貸款風(fēng)險(xiǎn)是指在貸款業(yè)務(wù)運(yùn)營中，由于受到各種不確定性 因素的影響，致使貸款無法按期收回本息，小貸公司可能遭受資金損失。按照風(fēng)險(xiǎn) 的劃分原則，結(jié)合貸款業(yè)務(wù)實(shí)際，貸款風(fēng)險(xiǎn)主要?jiǎng)澐譃檎唢L(fēng)險(xiǎn)、經(jīng)營風(fēng)險(xiǎn)和操作 風(fēng)險(xiǎn)。notice of criticism and 50-100 economic sanctions aga

3、inst them. (4) to第六條 政策風(fēng)險(xiǎn)。政策風(fēng)險(xiǎn)是指根據(jù)國家和地方政府為實(shí) atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation engineering construction and acceptance specification for 5 GB50275-98 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 HG

4、20201-2000 construction installation engineering construction standard 7, HG . Pressure gauges, using an installed spark arrestor for acetylene cylinders, illegal carrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle without the hot sun exposure measures, responsibilities of team a

5、fine of 50 Yuan. (7) at height and the opening and provisional protective measures have been taken, the responsible unit fined 200 Yuan, construction person in charge a fine of 50 Yuan. (8) no permit to work and the job in accordance with the provisions, on the job unit fined 300 yuan, the unit will

6、 charge a fine of 100 Yuan. 7.5.3 accident penalties (1) injuries fatalities directly punished 12 million. Direct responsibility for the accident and have the corresponding responsibility of leadership, such as concerning administrative sanctions, should be brought to the company or the relevant Dep

7、artment.(2) personal injury accident occurred, the direct punishment 0.5-10,000 yuan, responsible for the direct responsibility for the accident and the responsibility of leadership, such as concerning administrative sanctions should be dealt with by the personnel Department of the company. (3) pers

8、onal injury accident occurs, the direct punishment 500- 1000, who is directly responsible for the accident responsibility, giveconceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit施宏觀調(diào)控、保護(hù)

9、群眾利益、穩(wěn)定市場等政策和特定的產(chǎn)業(yè)政策、區(qū)域政策， 向借款人發(fā)放的貸款，借款人因執(zhí)行政策出現(xiàn)不能按期償還貸款本息的風(fēng)險(xiǎn)。第七條 經(jīng)營風(fēng)險(xiǎn)。經(jīng)營風(fēng)險(xiǎn)是指根據(jù)借款人自身經(jīng)營需要發(fā)放的貸款，借款 人因經(jīng)營管理、市場變化、災(zāi)害和道德因素等原因的影響，不能或不愿意按照事先 達(dá)成的協(xié)議履行其義務(wù)，出現(xiàn)不能按期歸還貸款本息的風(fēng)險(xiǎn)。第八條 操作風(fēng)險(xiǎn)。操作風(fēng)險(xiǎn)是指由公司內(nèi)部控制及治理機(jī)制失效以及信息技 術(shù)系統(tǒng)失效等可能造成的貸款風(fēng)險(xiǎn)。主要包括公司內(nèi)控制度和治理機(jī)制缺陷及內(nèi)部 員工操作失誤、違反操作規(guī)程、信貸決策超越權(quán)和道德因素等造成貸款不能按期收 回或損失的風(fēng)險(xiǎn)。第三章 貸款風(fēng)險(xiǎn)預(yù)測第九條 貸款風(fēng)險(xiǎn)預(yù)測。貸款

10、風(fēng)險(xiǎn)預(yù)測是指運(yùn)用定性和定量的分析方法，對貸 款的各種風(fēng)險(xiǎn)因素、風(fēng)險(xiǎn)性質(zhì)及風(fēng)險(xiǎn)程度進(jìn)行識別和測定。貸款風(fēng)險(xiǎn)預(yù)測是貸前調(diào) 查、審查的重要內(nèi)容。風(fēng)險(xiǎn)預(yù)測結(jié)果是貸款是否發(fā)放、貸款期限確定、發(fā)放額度控 制、貸款方式選擇的基本依據(jù)。第十條 政策風(fēng)險(xiǎn)預(yù)測。主要以國家和地方政府相關(guān)政策、政策性資金來源的 落實(shí)與承諾保證情況、貸款利息補(bǔ)貼和掛賬貸款本金消化資金的到位情況為依據(jù)， 對貸款的政策風(fēng)險(xiǎn)進(jìn)行預(yù)測。第十一條 經(jīng)營風(fēng)險(xiǎn)預(yù)測。應(yīng)根據(jù)不同的風(fēng)險(xiǎn)因素，分別按照定性和定量的分 析方法，對風(fēng)險(xiǎn)性質(zhì)及程度進(jìn)行識別和預(yù)測。（ 一 ） 定性分析預(yù)測。主要是通過對借款人內(nèi)部各有關(guān)因素以及與借款人貸款償 還密切相關(guān)的外部環(huán)境和

11、現(xiàn)象的不確定性分, suchdirectly punished 12 million. Direct responsibility for the accident and have the corresponding responsibility of leaderships, on the job unit fined 300 yuan, the unit will charge a fine of 100 Yuan.7.5.3 accident penalties (1) injuries fatalities visionfined 200 Yuan, construction per

12、son in charge a fine of 50 Yuan. (8) no permit to work and the job in accordance with the prom a fine of 50 Yuan. (7) at height and the opening and provisional protective measures have been taken, the responsible unit of tearrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle without

13、 the hot sun exposure measures, responsibilities eering construction standard 7, HG . Pressure gauges, using an installed spark arrestor for acetylene cylinders, illegal ca2000 construction installation engin-98 compressor, fan and pump installation engineering construction and acceptance specificat

14、ion for lifting 6 HG20201-mechanical equipment installation engineering construction and acceptance specification for 5 GB50275 2009-atmospheric pressure vessel 4 GB502312strative leadership of the criticism, resulting in serious consequences, the pursuit100 economic sanctions against them. (4) to c

15、onceal the accident, reported without undue delay or false, to inform the admini-ty, give notice of criticism and 501000, who is directly responsible for the accident responsibili-any. (3) personal injury accident occurs, the direct punishment 500ility of leadership, such as concerning administrativ

16、e sanctions should be dealtwith by the personnel Department of the comp10,000 yuan, responsible forthe direct responsibility for the accident and the responsib-dent occurred, the direct punishment 0.5as concerning administrative sanctions, should be brought to the company or the relevant Department.

17、(2) personal injury acci析，預(yù)測貸款風(fēng)險(xiǎn)。定性分析預(yù)測主要包括對借款人法人代表素質(zhì)、經(jīng)營管理 水平、內(nèi)部控制能力、信譽(yù)程度和發(fā)展前景分析 ; 宏觀經(jīng)濟(jì)政策的變化所產(chǎn)生的影響;特定行業(yè)或地區(qū)的經(jīng)濟(jì)政策、經(jīng)濟(jì)環(huán)境、市場供求變化、價(jià)格震蕩等情況; 各種 災(zāi)害等不可抗力的外部因素或訴訟、疫情等突發(fā)事件影響的分析。（ 二 ） 定量分析預(yù)測。主要是依據(jù)借款人的財(cái)務(wù)指標(biāo)和經(jīng)營指標(biāo)，對借款人的信 用風(fēng)險(xiǎn)進(jìn)行分析和預(yù)測。預(yù)測借款人經(jīng)營風(fēng)險(xiǎn)主要采用借款人信用等級評定、貸款 項(xiàng)目評估、貸款風(fēng)險(xiǎn)度計(jì)量以及貸款風(fēng)險(xiǎn)敏感性分析等方法。借款人信用等級評定 主要是根據(jù)借款人財(cái)務(wù)指標(biāo)設(shè)置評價(jià)指標(biāo)，將評價(jià)

18、指標(biāo)劃為不同分值，根據(jù)分值劃 分信用等級，根據(jù)信用等級識別貸款風(fēng)險(xiǎn)程度。貸款項(xiàng)目評估主要是通過對借款人 財(cái)務(wù)指標(biāo)和投資估算、籌資成本、項(xiàng)目效益測算和不確定性分析等量化指標(biāo)評估， 綜合評價(jià)項(xiàng)目貸款風(fēng)險(xiǎn)。貸款風(fēng)險(xiǎn)度計(jì)量主要是通過設(shè)置貸款風(fēng)險(xiǎn)權(quán)重。計(jì)量貸款 風(fēng)險(xiǎn)程度。量化貸款風(fēng)險(xiǎn)。貸款風(fēng)險(xiǎn)敏感性分析是指對貸款風(fēng)險(xiǎn)的主要或關(guān)鍵影響 因素的變化進(jìn)行量化分析，測定和判斷其對貸款風(fēng)險(xiǎn)的影響程度。第十二條 操作風(fēng)險(xiǎn)預(yù)測。主要依據(jù)公司業(yè)務(wù)決策層是否具有較強(qiáng)的風(fēng)險(xiǎn)決策 能力; 員工是否具備所承擔(dān)職責(zé)的業(yè)務(wù)水平和綜合素質(zhì) ; 執(zhí)行信貸管理制度和內(nèi)部控 制制度能力 ; 風(fēng)險(xiǎn)管理是否覆蓋貸款操作的各個(gè)環(huán)節(jié) ;是否具有完

19、善的信息管理手段等。第四章 貸款風(fēng)險(xiǎn)預(yù)警accident and the responsibility of leadership, such as concerning第十三條 貸款風(fēng)險(xiǎn)預(yù)警是指在貸款操作和監(jiān)管過程中，根據(jù)事前設(shè)置的風(fēng)險(xiǎn) 控制指標(biāo)變化所發(fā)出的警示性信號，分析預(yù)報(bào)貸款風(fēng)險(xiǎn)發(fā)生和變化情況，提示公司 風(fēng)控部門要及時(shí)采取風(fēng)險(xiǎn)防accident penalties (1) injuries fatalities directly punished 12 million. Direct responsibility for the accident and have thend the

20、job in accordance with the provisions, on the job unit fined 300 yuan, the unit will charge a fine of 100 Yuan. 7.5.3 ork ares have been taken, the responsible unit fined 200 Yuan, construction person in charge a fine of 50 Yuan. (8) no permit to wexposure measures, responsibilities of team a fine o

21、f 50 Yuan. (7) at height and the opening and provisional protective measu for acetylene cylinders, illegal carrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle without the hot sun 2000 construction installation engineering construction standard 7,HG . Pressure gauges, using an inst

22、alled spark arrestor-G2020198 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 H-2009 mechanical equipment installation engineering construction and acceptance specification for 5GB50275-atmospheric pressure vessel 4 GB502313erious consequence

23、s, the pursuitstrative leadership of the criticism, resulting in s100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the admini-y responsible for the accident responsibility, give notice of criticism and 501000, who is directl-ith by th

24、e personnel Department of the company. (3) personal injury accident occurs, the direct punishment 500sibility for theadministrative sanctions should be dealt w10,000 yuan, responsible for the direct respon-elevant Department. (2) personal injury accident occurred, the direct punishment 0.5sponding r

25、esponsibility of leadership, such as concerning administrative sanctions, should be brought to the company or the rcorre范和控制措施。貸款風(fēng)險(xiǎn)預(yù)警包括微觀預(yù)警和宏觀預(yù)警。微觀預(yù)警是根據(jù)各種風(fēng)險(xiǎn)預(yù)警信號， 及時(shí)判斷單個(gè)借款人或單筆貸款的風(fēng)險(xiǎn)程度和風(fēng)險(xiǎn)性質(zhì)。宏觀預(yù)警是在微觀預(yù)警的 基礎(chǔ)上，通過對貸款風(fēng)險(xiǎn)分類監(jiān)測，依據(jù)貸款組合風(fēng)險(xiǎn)分析，綜合評價(jià)貸款質(zhì)量狀 況，判斷全公司或地區(qū)或行業(yè)的貸款風(fēng)險(xiǎn)程度 （宏觀預(yù)警詳見第七章 ） 。第十四條 政策風(fēng)險(xiǎn)預(yù)警。主要通過政策風(fēng)險(xiǎn)信號反映。政策風(fēng)險(xiǎn)

26、信號一般包 括國家或地區(qū)宏觀經(jīng)濟(jì)政策、財(cái)政金融政策、農(nóng)業(yè)政策、其他特定行業(yè)政策、信貸 政策、匯率和利率政策等的調(diào)整、變動。其中，國家和地方政府與公司貸款密切相 關(guān)政策調(diào)整、政策性資金來源的落實(shí)和承諾保證變動、貸款利息補(bǔ)貼和掛賬貸款本 金消化資金的到位異動，應(yīng)當(dāng)作為當(dāng)前政策風(fēng)險(xiǎn)預(yù)警的主要信號和監(jiān)測的重點(diǎn)。通 過對各種政策風(fēng)險(xiǎn)信號進(jìn)行識別、分析，及時(shí)發(fā)現(xiàn)危及貸款本息按期償還的風(fēng)險(xiǎn)苗 頭，提前對政策風(fēng)險(xiǎn)預(yù)警做出反映。第十五條 經(jīng)營風(fēng)險(xiǎn)預(yù)警。主要通過財(cái)務(wù)預(yù)警信號、市場預(yù)警信號、行為預(yù)警 信號和其他預(yù)警信號反映。（一）財(cái)務(wù)預(yù)警信號。財(cái)務(wù)預(yù)警信號一般包括借款人各項(xiàng)財(cái)務(wù)指標(biāo)如流動性比率、資產(chǎn)負(fù)債率、存貨周轉(zhuǎn)

27、率、應(yīng)收賬款收回率、現(xiàn)金流量等指標(biāo)低于行業(yè)平均水 平或有較大變動。（ 二 ） 市場預(yù)警信號。主要通過市場供求和價(jià)格波動信號進(jìn)行綜合反映。市場預(yù) 警信號一般包括借款人所處行業(yè)或地區(qū)的宏觀政策、特定行業(yè)政策、財(cái)政金融政策 等發(fā)生改變，可能對行業(yè)經(jīng)濟(jì)周期和市場發(fā)展前景產(chǎn)生不利變化 ; 市場供求關(guān)系、 產(chǎn)品價(jià)格發(fā)生持續(xù)性或大幅度的波動 ; 貸款上限和貸款支持價(jià)格上限面臨挑戰(zhàn) ; 地區(qū) 和行業(yè)信用環(huán)境以及整體經(jīng)濟(jì)環(huán)境惡化等。, suchdirectly punished 12 million. Direct responsibility for the accident and have the cor

28、responding responsibility of leaderships, on the job unit fined 300 yuan, the unit will charge a fine of 100 Yuan.7.5.3 accident penalties (1) injuries fatalities visionfined 200 Yuan, construction person in charge a fine of 50 Yuan. (8) no permit to work and the job in accordance with the prom a fi

29、ne of 50 Yuan. (7) at height and the opening and provisional protective measures have been taken, the responsible unit of tearrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle without the hot sun exposure measures, responsibilities eering construction standard 7, HG . Pressure gaug

30、es, using an installed spark arrestor for acetylene cylinders, illegal ca2000 construction installation engin-98 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 HG20201-mechanical equipment installation engineering construction and acceptance

31、 specification for 5 GB50275 2009-atmospheric pressure vessel 4 GB502314strative leadership of the criticism, resulting in serious consequences, the pursuit100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the admini-ty, give notice of

32、 criticism and 501000,who is directly responsible for the accident responsibili-any. (3)personal injury accident occurs, the direct punishment 500ility of leadership, such as concerning administrative sanctions should be dealt with by the personnel Department of the comp10,000 yuan, responsible for

33、the direct responsibility for the accident and the responsib-dent occurred, the direct punishment 0.5as concerning administrative sanctions, should be brought to the company or the relevant Department.(2) personal injury acci（三）行為預(yù)警信號。行為預(yù)警信號一般包括借款人在其他金融機(jī)構(gòu)存在違約記錄，提供虛假資料套取貸款，違規(guī)開立存款賬戶，未按規(guī)定用途使用貸款，借款人 貸款展

34、期次數(shù)增加，借款人法人代表的變動，法人代表及其財(cái)務(wù)、會計(jì)人員發(fā)生違 規(guī)違紀(jì)行為，主要股東或關(guān)聯(lián)企業(yè)發(fā)生較大調(diào)整，改制改組不規(guī)范，擔(dān)保物品價(jià)值 下降或擔(dān)保撤銷，借款人未經(jīng)本公司同意對外提供擔(dān)保等。（四）其他預(yù)警信號。主要是可能發(fā)生各種影響借款人經(jīng)營水平的重大災(zāi)害或突發(fā)事件等。第十六條 操作風(fēng)險(xiǎn)預(yù)警。主要通過內(nèi)部操作風(fēng)險(xiǎn)信號反映。操作風(fēng)險(xiǎn)信號 般包括貸款管理規(guī)章制度不健全、信貸、風(fēng)控崗位責(zé)任不明確、信貸檔案不規(guī)范、 客戶信息資料不全面以及信貸管理內(nèi)控機(jī)制不完善等 ; 對不符合貸款基本條件的借 款人發(fā)放貸款、不按規(guī)定辦理貸款擔(dān)保、不按規(guī)定用途或超權(quán)限發(fā)放貸款 ; 貸款三查”或?qū)徺J分離操作不規(guī)范、信貸

35、監(jiān)管制度不落實(shí)、信貸信息資料缺乏、借款 合同要素不全、信貸文本遺失或失效、數(shù)據(jù)統(tǒng)計(jì)失真、風(fēng)險(xiǎn)預(yù)測失誤以及其他違反 貸款管理制度的各種違規(guī)操作行為和工作失誤等。第十七條 建立和健全貸款風(fēng)險(xiǎn)預(yù)警系統(tǒng)。要建立微觀風(fēng)險(xiǎn)預(yù)警與宏觀風(fēng)險(xiǎn)預(yù) 警相一致的預(yù)警體系。要運(yùn)用信用征信系統(tǒng)、客戶信息系統(tǒng)、行業(yè)或行情信息分析accident and the responsibility of leadership, such as concerning系統(tǒng)、信貸監(jiān)管系統(tǒng)，對貸款運(yùn)營各環(huán)節(jié)和各種狀態(tài)下的風(fēng)險(xiǎn)信息進(jìn)行收集、整 理、識別、反饋，對影響貸款安全的主要風(fēng)險(xiǎn)信號進(jìn)行前瞻性判斷，并制訂處置方 案，落實(shí)各環(huán)節(jié)的責(zé)任，提

36、出防范和控制風(fēng)險(xiǎn)的預(yù)防性和補(bǔ)救性措施。accident penalties (1) injuries fatalities directly punished 12 million. Direct responsibility for the accident and have thend the job in accordance with the provisions, on the job unit fined 300 yuan, the unit will charge a fine of 100 Yuan. 7.5.3 ork ares have been taken, the re

37、sponsible unit fined 200 Yuan, construction person in charge a fine of 50 Yuan. (8) no permit to wexposure measures, responsibilities of team a fine of 50 Yuan. (7) at height and the opening and provisional protective measu for acetylene cylinders, illegal carrying, using gas cylinders, each operato

38、r fined 20 Yuan. Gas bottle without the hot sun 2000 construction installation engineering construction standard 7,HG . Pressure gauges, using an installed spark arrestor-G2020198 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 H-2009 mechani

39、cal equipment installation engineering construction and acceptance specification for 5GB50275-atmospheric pressure vessel 4 GB502315erious consequences, the pursuitstrative leadership of the criticism, resulting in s100 economic sanctions against them. (4) to conceal the accident, reported without u

40、ndue delay or false, to inform the admini-y responsible for the accident responsibility, give notice of criticism and 501000, who is directl-ith by the personnel Department of the company. (3) personal injury accident occurs, the direct punishment 500sibility for theadministrative sanctions should b

41、e dealt w10,000 yuan, responsible for the direct respon-elevant Department. (2) personal injury accident occurred, the direct punishment 0.5sponding responsibility of leadership, such as concerning administrative sanctions, should be brought to the company or the rcorre第五章 貸款風(fēng)險(xiǎn)控制第十八條 貸款風(fēng)險(xiǎn)防范與控制是指針對可能

42、發(fā)生的各種風(fēng)險(xiǎn)，在貸款發(fā)放前 所采取的預(yù)防措施以及在貸款發(fā)放后、收回前應(yīng)當(dāng)采取的風(fēng)險(xiǎn)控制措施，控制貸款 風(fēng)險(xiǎn)的發(fā)生、擴(kuò)大和惡化。應(yīng)對不同性質(zhì)的貸款風(fēng)險(xiǎn)采取不同的防范措施，也可以 對同一種類貸款風(fēng)險(xiǎn)同時(shí)采取多種風(fēng)險(xiǎn)防范和控制措施。第十九條 實(shí)行借款人貸款資格認(rèn)定制度。應(yīng)當(dāng)對借款人的經(jīng)營狀況、經(jīng)營效 益、資信情況定期進(jìn)行綜合評價(jià)，根據(jù)有關(guān)政策規(guī)定及貸款風(fēng)險(xiǎn)程度進(jìn)行貸款資格 認(rèn)定。第二十條 實(shí)行有效的貸款管理方法。貸款風(fēng)險(xiǎn)防范與控制按照區(qū)別對待、分 類管理的原則，根據(jù)借款人的實(shí)際情況和貸款性質(zhì)、種類，分別實(shí)行授信管理、逐 筆核貸管理和項(xiàng)目管理的方法。（一）授信管理。通過通過對借款人進(jìn)行信用評級，核定

43、借款人一定時(shí)期內(nèi)的授信額度，集中統(tǒng)一控制借款人信用風(fēng)險(xiǎn)。根據(jù)借款人的不同信用狀況分別實(shí)行內(nèi)部 授信和公開授信。結(jié)合公司貸款業(yè)務(wù)的性質(zhì)和貸款的特殊要求，確定借款人的基本 授信和特別授信。（二）逐筆核貸管理。根據(jù)借款人資信狀況和貸款的風(fēng)險(xiǎn)性質(zhì)及程度，對不符合授信管理?xiàng)l件的，繼續(xù)實(shí)行逐筆審貸、錢物掛鉤、購貸銷還等貸款管理制度。（ 三 ） 項(xiàng)目管理。對各種專項(xiàng)貸款，要按照項(xiàng)目管理程序，對貸款項(xiàng)目進(jìn)行立 項(xiàng)、評估、審批、實(shí)施、驗(yàn)收、評價(jià)的管理過程，以確保貸款項(xiàng)目的成功。第二十一條 選擇有效的貸款方式。應(yīng)根據(jù)借款人的實(shí)際情況和貸款性質(zhì)、種 類，分別選擇擔(dān)保貸款和信用貸款方式。選擇as concerning

44、 administrative sanctions, should be brought to the company or the relevant Department. (2) personal injury acci , suchdirectly punished 12 million. Direct responsibility for the accident and have the corresponding responsibility of leaderships, on the job unit fined 300 yuan, the unit will charge a

45、 fine of 100 Yuan.7.5.3 accident penalties (1) injuries fatalities visionfined 200 Yuan, construction person in charge a fine of 50 Yuan. (8) no permit to work and the job in accordance with the prom a fine of 50 Yuan. (7) at height and the opening and provisional protective measures have been taken

46、, the responsible unit of tearrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle without the hot sun exposure measures, responsibilities eering construction standard 7, HG . Pressure gauges, using an installed spark arrestor for acetylene cylinders, illegal ca2000 construction insta

47、llation engin-98 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 HG20201-mechanical equipment installation engineering construction and acceptance specification for 5 GB50275 2009-atmospheric pressure vessel 4 GB502316strative leadership of t

48、he criticism, resulting in serious consequences, the pursuit100 economic sanctions against them. (4) to conceal the accident, reported without undue delayor false, to inform the admini-ty, give notice of criticism and 501000,who is directly responsible for the accident responsibili-any. (3) personal

49、 injury accident occurs, the direct punishment 500ility of leadership, such as concerning administrative sanctions should be dealt with by the personnel Department of the comp10,000 yuan, responsible for the direct responsibility for the accident and the responsib-dent occurred, the direct punishmen

50、t 0.5信用貸款方式的借款人，除另有規(guī)定外，原則要有相應(yīng)的風(fēng)險(xiǎn)補(bǔ)償金和一定比 例的自有流動資金，并分別采取貸款風(fēng)險(xiǎn)補(bǔ)償金管理和自有流動資金比例管理的方 式。（ 一 ） 貸款擔(dān)保。對不確定性風(fēng)險(xiǎn)因素較多的貸款，可以按照有關(guān)管理制度，分 別采取貸款保證、抵押、質(zhì)押擔(dān)保方式。（ 二 ） 貸款風(fēng)險(xiǎn)補(bǔ)償金管理。對借款人采取貸款補(bǔ)償金方式，作為貸款風(fēng)險(xiǎn)補(bǔ) 償。借款人在貸款前，提供符合有關(guān)自籌要求的一定比例的補(bǔ)償金，存入指定的貸 款補(bǔ)償金存款賬戶。補(bǔ)償金在貸款本息未結(jié)清前，不參與借款人的購銷經(jīng)營活動， 專項(xiàng)用于經(jīng)營風(fēng)險(xiǎn)。借款人還清貸款本息后，全額退還補(bǔ)償金。（ 三 ） 自有流動資金比例管理?？梢愿鶕?jù)貸款種

51、類和性質(zhì)，確定借款人自有流動 資金比例最低限額。第二十二條 嚴(yán)格執(zhí)行貸款操作規(guī)程。實(shí)行貸款審貸分離和貸款審批授權(quán)制 度，按照貸款“三查”程序規(guī)范操作，簽訂借款合同，確保要素完整，合法有效， 規(guī)避操作風(fēng)險(xiǎn)。第二十三條 完善監(jiān)管制度。對借款人庫存實(shí)施有效監(jiān)管，控制貸款風(fēng)險(xiǎn)。堅(jiān) 持實(shí)行庫存檢查制度和貨款回籠制度。定期檢查或抽查責(zé)任人的管戶情況，發(fā)現(xiàn)問 題及時(shí)處理。第二十四條 加強(qiáng)對貸款管理制度執(zhí)行情況的檢查和稽核。信貸部門要定期或 不定期對信貸人員落實(shí)貸款管理制度制度和操作規(guī)程情況進(jìn)行檢查。風(fēng)控部門要及 時(shí)組織對信貸人員貸款操作規(guī)范情況的稽核，以促進(jìn)各項(xiàng)管理制度制度的落實(shí)，做 到規(guī)范和及時(shí)操作。第二

52、十五條 鼓勵(lì)借款人投保。鼓勵(lì)借款人對庫存商品和其他符合保險(xiǎn)規(guī)定條 件的財(cái)產(chǎn)辦理保險(xiǎn)，轉(zhuǎn)移貸款風(fēng)險(xiǎn)。第二十六條 防范和控制借款人改革改制風(fēng)險(xiǎn)。對借款人實(shí)elevant Department. (2) personal injury accident occurred, the direct punishment 0.5sponding responsibility of leadership, such as concerning administrative sanctions, should be brought to the company or the rcorre accident p

53、enalties (1) injuries fatalities directly punished 12 million. Direct responsibility for the accident and have thend the job in accordance with the provisions, on the job unit fined 300 yuan, the unit will charge a fine of 100 Yuan. 7.5.3 ork ares have been taken, the responsible unit fined 200 Yuan

54、, construction person in charge a fine of 50 Yuan. (8) no permit to wexposure measures, responsibilities of team a fine of 50 Yuan. (7) at height and the opening and provisional protective measu for acetylene cylinders, illegal carrying, using gas cylinders, each operator fined 20 Yuan. Gas bottle w

55、ithout the hot sun 2000 construction installation engineering construction standard 7,HG . Pressure gauges, using an installed spark arrestor-G2020198 compressor, fan and pump installation engineering construction and acceptance specification for lifting 6 H-2009 mechanical equipment installation en

56、gineering construction and acceptance specification for 5GB50275-atmospheric pressure vessel 4 GB502317erious consequences, the pursuitstrative leadership of the criticism, resulting in s100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to infor

57、m the admini-y responsible for the accident responsibility, give notice of criticism and 501000, who is directl-ith by the personnel Department of the company. (3) personal injury accident occurs, the direct punishment 500sibility for the accident and the responsibility of leadership, such as concer

58、ning administrative sanctions should be dealt w10,000 yuan, responsible for the direct respon-行合并、分立、股份制改造、破產(chǎn)等涉及公司債權(quán)的改制行為，要全程參與， 落實(shí)貸款債權(quán)，防止借款人逃廢懸空債務(wù)。對需要辦理債務(wù)轉(zhuǎn)移手續(xù)的，要規(guī)范簽 訂債務(wù)轉(zhuǎn)移協(xié)議，確保債務(wù)落實(shí)手續(xù)合法有效。第六章 貸款風(fēng)險(xiǎn)化解第二十七條 貸款風(fēng)險(xiǎn)化解是指對已發(fā)生的貸款風(fēng)險(xiǎn)，應(yīng)根據(jù)風(fēng)險(xiǎn)的種類、特 征，運(yùn)用行政、經(jīng)濟(jì)、法律等手段，采取財(cái)政補(bǔ)償、補(bǔ)償金抵償、抵 （質(zhì)） 押物變現(xiàn) 補(bǔ)償、以資抵債、保險(xiǎn)理賠、依法訴訟、呆賬核銷等措施，避免

59、或減少貸款損失。第二十八條 對已經(jīng)發(fā)生的政策風(fēng)險(xiǎn)，應(yīng)及時(shí)報(bào)告，消除貸款風(fēng)險(xiǎn)。第二十九條 對已經(jīng)發(fā)生的經(jīng)營風(fēng)險(xiǎn)，應(yīng)采取補(bǔ)償金抵償、向保證人追索、處 置抵（ 質(zhì)） 押資產(chǎn)、以資抵債、保險(xiǎn)理賠、訴訟和呆賬核銷等措施，化解、補(bǔ)償貸款 風(fēng)險(xiǎn)。（一）用風(fēng)險(xiǎn)補(bǔ)償金抵償貸款本息。當(dāng)借款人銷售庫存糧棉油發(fā)生價(jià)差虧損、貸款本息不能全額償還時(shí)，要將借款人風(fēng)險(xiǎn)補(bǔ)償金作為貸款的償還來源，及時(shí)收回貸 款本息。（ 二 ） 向保證人追索。借款人不能按期償還貸款本息，采取貸款保證擔(dān)保方式 的，應(yīng)依法向保證人追索，督促其以貨幣方式或資產(chǎn)抵債方式償還借款人所欠貸款 本息。（ 三） 處置抵 （ 質(zhì)） 押資產(chǎn)。借款人不能按期歸還貸款本息，采取貸款抵 （質(zhì)） 押擔(dān) 保方式的，應(yīng)依法對抵 （ 質(zhì)） 押物品進(jìn)行處置，處置價(jià)款優(yōu)先用于償還所欠貸款本 息。（ 四 ） 辦理以資