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一、风险点(一)贷款调查环节的风险。大部分客户经理在对企业财务状况调查时,其资料基本来源于经当地审计事务所审计的报表,对其报表数据的真实性如企业资产来源、正常经营情况、销售量的真实性、法人及其他股东个人的资产与负债情况等没有作进一步的调查核实,容易带来贷后风险。(二)企业经营资金监管环节的风险。主要表现为对处置企业所提供贷款抵押物的依赖,客观上削弱了对企业经营活动资金的监管,造成企业大部分销售收入游离在外,归行资金不足销售收入30%,少数企业几乎没有归行资金。
First, the risk point (a) the risk of the loan investigation link. Most of the client managers in the financial position of the enterprise survey, the information comes from the local audit firm audited statements, the authenticity of the report data such as the source of assets of the enterprise, the normal operation, the sales of the authenticity of legal persons and Other shareholders of the assets and liabilities of individuals without further investigation and verification, easily lead to post-loan risk. (B) the risk of regulatory aspects of business funds. Mainly for the disposal of enterprises to provide loans to rely on the collateral objectively weakened the supervision of the funds of business activities, resulting in most of the business sales away from home, less than 30% of the proceeds of the sale of funds, a small number of businesses almost no return funds.