本書依據(jù)全新考試大綱編寫，依照章節(jié)順序，逐步細(xì)化考試內(nèi)容。每章由要點(diǎn)導(dǎo)圖、知識(shí)解讀、同步自測(cè)、答案詳解四部分組成。先整體，后局部；講練結(jié)合。步步為營(yíng)，扎實(shí)基礎(chǔ)。同時(shí)提供有電腦軟件、手機(jī)軟件、微信做題、名師視頻、思維導(dǎo)圖課件、考拉網(wǎng)點(diǎn)題庫(kù)、千人QQ群，構(gòu)建個(gè)性化、高效備考空間。

第一章  公司信貸概述.........................................1

要點(diǎn)導(dǎo)圖.....................................................1

知識(shí)解讀.....................................................1

    一、公司信貸基礎(chǔ).........................................1

    二、公司信貸管理.........................................7

    四、公司信貸主要產(chǎn)品....................................10

同步自測(cè)....................................................14

答案詳解....................................................17

第二章  貸款申請(qǐng)受理和貸前調(diào)查..............................19

要點(diǎn)導(dǎo)圖....................................................19

知識(shí)解讀....................................................19

    一、借款人..............................................19

    二、貸款申請(qǐng)受理........................................23

    三、貸前調(diào)查............................................27

    四、貸前調(diào)查報(bào)告內(nèi)容要求................................30

同步自測(cè)....................................................32

答案詳解....................................................33

第三章  貸款環(huán)境風(fēng)險(xiǎn)分析....................................35

要點(diǎn)導(dǎo)圖....................................................35

知識(shí)解讀....................................................36

    一、國(guó)別風(fēng)險(xiǎn)分析(中級(jí)考試內(nèi)容)..........................36

    二、區(qū)域風(fēng)險(xiǎn)分析........................................38

    三、行業(yè)風(fēng)險(xiǎn)分析........................................41

同步自測(cè)....................................................46

答案詳解....................................................47

第四章  借款需求分析........................................49

要點(diǎn)導(dǎo)圖....................................................49

知識(shí)解讀....................................................50

    一、概述................................................50

    二、借款需求分析的內(nèi)容..................................51

    三、借款需求與負(fù)債結(jié)構(gòu)..................................57

    四、借款需求的一般測(cè)算（中級(jí)考試內(nèi)容）..................58

同步自測(cè)....................................................60

答案詳解....................................................63

第五章  客戶分析與信用評(píng)級(jí)..................................65

要點(diǎn)導(dǎo)圖....................................................65

知識(shí)解讀....................................................66

    一、客戶品質(zhì)分析........................................66

    二、客戶財(cái)務(wù)分析........................................70

    三、客戶信用評(píng)級(jí)........................................83

    四、債項(xiàng)評(píng)級(jí)(中級(jí)考試內(nèi)容)..............................87

同步自測(cè)....................................................89

答案詳解....................................................92

第六章  固定資產(chǎn)貸款項(xiàng)目評(píng)估（中級(jí)考試內(nèi)容）................94

要點(diǎn)導(dǎo)圖....................................................94

知識(shí)解讀....................................................95

    一、概述................................................95

    二、項(xiàng)目非財(cái)務(wù)分析......................................101

    三、項(xiàng)目財(cái)務(wù)分析........................................115

同步自測(cè)....................................................125

答案詳解....................................................130

第七章  擔(dān)保管理............................................134

要點(diǎn)導(dǎo)圖....................................................134

知識(shí)解讀....................................................135

    一、貸款擔(dān)保概述........................................135

    二、保證擔(dān)保............................................138

    三、抵押擔(dān)保............................................142

    四、質(zhì)押擔(dān)保............................................147

同步自測(cè)....................................................152

答案詳解....................................................155

第八章  貸款審批............................................157

要點(diǎn)導(dǎo)圖....................................................157

知識(shí)解讀....................................................157

    一、信貸授權(quán)與審貸分離..................................157

    二、貸款審查事項(xiàng)及審批要素..............................161

    三、授信額度及審批......................................164

同步自測(cè)....................................................165

答案詳解....................................................167

第九章  貸款合同與發(fā)放支付..................................169

要點(diǎn)導(dǎo)圖....................................................169

知識(shí)解讀....................................................170

    一、貸款合同與管理......................................170

    二、貸款的發(fā)放..........................................173

    三、貸款支付............................................179

同步自測(cè)....................................................182

答案詳解....................................................185

第十章  貸后管理............................................186

要點(diǎn)導(dǎo)圖....................................................186

知識(shí)解讀....................................................187

    一、對(duì)借款人的貸后監(jiān)控..................................187

    二、貸款用途及還款賬戶監(jiān)控..............................191

    三、項(xiàng)目貸后管理(中級(jí)考試內(nèi)容)..........................193

    四、擔(dān)保管理............................................195

    五、風(fēng)險(xiǎn)預(yù)警............................................197

    六、信貸業(yè)務(wù)到期處理....................................199

    七、檔案管理............................................203

同步自測(cè)....................................................205

答案詳解....................................................207

第十一章  貸款風(fēng)險(xiǎn)分類與貸款損失準(zhǔn)備金的計(jì)提................209

要點(diǎn)導(dǎo)圖....................................................209

知識(shí)解讀....................................................209

    一、貸款風(fēng)險(xiǎn)分類概述....................................209

    二、貸款風(fēng)險(xiǎn)分類方法....................................211

    三、貸款損失準(zhǔn)備金的計(jì)提(中級(jí)考試內(nèi)容)..................215

同步自測(cè)....................................................218

答案詳解....................................................220

第十二章  不良貸款管理......................................222

要點(diǎn)導(dǎo)圖....................................................222

知識(shí)解讀....................................................222

    一、不良貸款的定義......................................222

    二、不良貸款的處置方式..................................223

    三、不良貸款的責(zé)任認(rèn)定(中級(jí)考試內(nèi)容)....................230

同步自測(cè)....................................................232

答案詳解....................................................233