贷款政策

精品资料网（）25万份精华管理资料，2万多集管理视频讲座精品资料网（）专业提供企管培训资料贷款政策（1）商业银行的贷款构成和贷款质量反映了商业银行的贷款政策。（2）银行的贷款政策体现了银行的贷款风格，包括：贷款优先权的排序、贷款的程序、贷款业务活动的日常监控等等。是银行进行贷款业务的指南，也是银行进行贷款风险管理的一个重要工具。（3）贷款政策必须以书面形式固定下来，从董事会到管理层都必须牢记并掌握。（4）贷款政策一般每年修订一次，以确保银行的贷款业务和贷款风险管理能适应市场的发展。贷款政策内容商业银行的贷款政策一般包括3个部分：第一部分是银行贷款政策的一般性描述；第二部分是关于银行贷款组合结构和管理的技术性及程序性描述；第三部分是关于每一种贷款的具体管理程序和指标的详细描述。具体如下：银行贷款政策的主要内容I.GeneralpolicystatementsIII.ParametersandproceduresbytypeofloanA.objectivesA.RealestatemortgageloansB.Strategies1.Loandescription1.Loanmix2.Purposeofloanproceeds2.Liquidityandmaturitystructure3.Prefferedmaturities3.Sizeofportfolio4.Pricing:rates,fees,balancesC.Tradearea5.MinimumandmaximumamountsD.Creditstandard6.Insurancerequirements1.Typesofloans7.Perfectionofcollateral2.Securedvs.unsecuredguidelines8.Channelsofapprovalforpolicy3.CollateralB.Intrimconstructionfinancing4.TermsC.AccountsreceivableloansE.LoanauthoritiesandapprovalD.InventoryloansII.PrinciplesandproceduresE.TermloansA.InsuranceprotectionF.SecuritiespurchaseloansB.DocumentationstandardsandsecurityG.AgriculturalloansinterestH.SmallbusinessloansC.Problemloancollectionsandcharge-offsI.ConsumerloansD.LegalconstraintsandcomplianceJ.PurchasedloansE.LoanpricingF.FinancialinformationrequirementfromborrowersG.EthicalissuesandconflictsofinterestH.Loanreview贷款政策要点Objectives（1）Bank’sinternalandexternalmission（2）Perceivedbusinessroleinitstradearea（3）Perceivedmarketniche（4）Desiredprofitability（5）Maintenanceofpublicconfidence（6）Degreeofcompetitivenessandaggressiveness（7）Quantifyloangrowthandearningobjectives（8）DesiredsizeofloanportfolioinrelationtototaldepositsortotalassetsStrategies（1）Expressriskmanagementstrategiesinmoreconcreteterms（2）Desiredtypes,geographicalareasandriskofloansinbank’sloanportfolio（3）Quantifythedesiredloanmix,diversificationofloanplacement,reduceconcentrationrisk（4）Describebank’sin-houselimit--themaximumamounttolendtoanyonecustomer（5）Mentiontheundesirabletypesofloansandborrowers（6）DescribethedesiredmaturitystructureoftheloanportfolioCreditstandards（1）Statethetypesofloansthebankconsidersdesirable（2）Indicatebothdesirableandunacceptabletypesofcollateral（3）Indicatethecircumstancesinwhichunsecuredlendingisprohibited（4）Verifythequalityandliquidityofcollateral（5）Describethemaximumloan-to-collateral-valueratios（6）SpecifytheresponsibilitiesandproceduresforappraisalsLoanauthoritiesandapprovals（1）Estabilishlendinglimitsforallloanofficers/totallimit/limittoonecustomer/limitavailable（2）Estabilishlendinglimitsforcombinationsofloanofficers（3）EstabilishlendinglimitsforloancommitteesInsuranceprotection（1）Indicatethetypesofborrowerswhomustbeinsured（death/naturaldisaste/destroyofcollateral）（2）IndicatewhatclassesofborrowersshouldbeunderreinsuranceprogramsDocumentationstandards（1）Describetheuniformcreditfilesanddocumentationprocedures（2）Documentationchecklistforeachcreditfile:（i）Thebasicloanagreement--tosettheconditionsoftheloantransaction（ii）Thecreditapplication（iii）Theborrower’sfinancialstatements（iv）Creditreports（v）Evidenceofperfectionofsecurityinterest--toestabilishbank’sclaimtocollateralintheeventofdefault（vi）Assignmentofrentsorleasesonrealestateorotherproductiveproperty（vii）Theborrower’slifeorcasualtyinsurancepolicy（viii）Corporateborroweringresolutionorpartnershipagreement--tocertifytheemployeesofborroweringfirmwhoareauthorisedtocommittheborroweringonbehalfthefirm（ix）Subordinationagreement（x）Continuingguarantee--Asingedpersonalguaranteedocumentbymajoritystockholders（xi）Financialstatementsontheguarantor（xii）Correspondence（xiii）Copiesofexistingandpaid-offprommissorynotes