本書是“銀行業(yè)從業(yè)人員資格認(rèn)證考試”的配套學(xué)習(xí)資料，依托具有深厚編寫水平的專家團(tuán)隊(duì)，嚴(yán)格依據(jù)官方教材及考試大綱，在精選高頻考點(diǎn)的基礎(chǔ)上編寫而成。
全書分為考點(diǎn)精講及歸類題庫(kù)兩部分：考點(diǎn)精講主要選取考頻較高、易混淆的考點(diǎn)進(jìn)行詳細(xì)講解；歸類題庫(kù)則選取考頻較高的知識(shí)點(diǎn)，在此基礎(chǔ)上編設(shè)的與實(shí)戰(zhàn)難度相當(dāng)?shù)脑囶}。
本書特別適用于參加中國(guó)銀行業(yè)從業(yè)人員資格認(rèn)證考試的考生，也可供各大院校金融學(xué)專業(yè)的師生參考。
2015年銀行業(yè)專業(yè)人員職業(yè)資格考試輔導(dǎo)用書，銀行業(yè)從業(yè)人員資格認(rèn)證考試輔導(dǎo)用書，中大網(wǎng)校強(qiáng)力推薦！源自清華的考試專家：800道真題演練+重點(diǎn)考點(diǎn)精講+圖表化記憶學(xué)習(xí)+名師答疑解惑
叢書編寫初衷
近年來(lái)，隨著中國(guó)銀行業(yè)的不斷改革與創(chuàng)新，整個(gè)銀行業(yè)發(fā)生了歷史性的變化，在國(guó)民經(jīng)
濟(jì)發(fā)展中發(fā)揮著越來(lái)越重要的支撐及促進(jìn)作用。而銀行業(yè)專業(yè)人員的待遇也水漲船高，要想從
事銀行業(yè)相關(guān)工作，取得職業(yè)資格是非常必要的。
銀行業(yè)專業(yè)人員職業(yè)資格考試是指銀行業(yè)金融機(jī)構(gòu)從事前、中、后臺(tái)業(yè)務(wù)及管理工作的專
業(yè)技術(shù)人員取得相應(yīng)級(jí)別和類別職業(yè)資格證書需要通過(guò)的考試。銀行業(yè)專業(yè)人員職業(yè)資格英文
譯為：Qualification Certificate of Banking Professional。人力資源社會(huì)保障部、中國(guó)銀行業(yè)監(jiān)督管
理委員會(huì)共同負(fù)責(zé)銀行業(yè)專業(yè)人員職業(yè)資格制度的政策制定，并按職責(zé)分工對(duì)銀行業(yè)專業(yè)人員
職業(yè)資格制度的實(shí)施進(jìn)行指導(dǎo)、監(jiān)督和檢查。中國(guó)銀行業(yè)協(xié)會(huì)具體承擔(dān)銀行業(yè)專業(yè)人員職業(yè)資
格考試工作。銀行業(yè)初級(jí)資格考試為“銀行業(yè)法律法規(guī)與綜合能力”科目加上任意一門專業(yè)科
目，專業(yè)科目分為個(gè)人理財(cái)、風(fēng)險(xiǎn)管理、公司信貸及個(gè)人貸款。
為幫助廣大考生順利通過(guò)考試，筆者根據(jù)考試大綱編寫了本套叢書，以便考生在短時(shí)間內(nèi)
理解知識(shí)要點(diǎn)、加深記憶、熟悉題型，提高考試成功率。
叢書特色
本套叢書內(nèi)容全面，資料新穎，理論聯(lián)系實(shí)際，語(yǔ)言通俗，習(xí)題典型，可供廣大銀行業(yè)專
業(yè)人員參考，是廣大考生順利通過(guò)考試的必備書籍。
具體來(lái)說(shuō)，本套叢書具有以下六大特點(diǎn)。
1. 緊跟大綱，迅速突破
本套叢書嚴(yán)格按照最新考試大綱編寫，充分體現(xiàn)了教材的最新變化與要求。在詳細(xì)講解教
材基礎(chǔ)知識(shí)的同時(shí)，每章配有精選例題及解析，通過(guò)簡(jiǎn)明扼要的考點(diǎn)講解，引導(dǎo)考生全面、系
統(tǒng)地復(fù)習(xí)，讓考生能夠熟練掌握指定教材的全部要點(diǎn)和重點(diǎn)。
2. 源自真題，權(quán)威全面
由于銀行業(yè)專業(yè)人員職業(yè)資格考試采用了機(jī)考的形式，從官方題庫(kù)中自動(dòng)選題，因此即使
是同一時(shí)間考試，各個(gè)考生所答的試卷也是不同的。筆者總結(jié)了多年真題，書中題目都源于官
方題庫(kù)，并給出了詳細(xì)的解析，以幫助考生順利通過(guò)考試。
3. 同步演練，有的放矢
本套叢書每章最后有一套習(xí)題，并附有答案和解析，供考生檢驗(yàn)、鞏固學(xué)習(xí)成果，使考生
能盡快適應(yīng)考場(chǎng)，在真正的考試中有的放矢，順利通關(guān)。
4. 海量習(xí)題，貼近實(shí)戰(zhàn)
眾所周知，勤動(dòng)腦、多練習(xí)，方能百戰(zhàn)百勝。本套叢書在習(xí)題的選取上，以歷年真題為
主，讓考生通過(guò)習(xí)題演練了解考情和考試重點(diǎn)；在學(xué)習(xí)教材基礎(chǔ)知識(shí)、分析真題的基礎(chǔ)上，通
過(guò)模擬自測(cè)檢測(cè)復(fù)習(xí)效果，了解自己的不足。
5. 簡(jiǎn)單易懂，便于自學(xué)
考慮到大部分考生是在職人士，主要利用業(yè)余時(shí)間進(jìn)行自學(xué)，因此本套叢書力求語(yǔ)言通
俗，并對(duì)每道習(xí)題都進(jìn)行了詳盡、嚴(yán)謹(jǐn)?shù)慕馕觯阌诳忌詫W(xué)。如果考生在學(xué)習(xí)過(guò)程中遇到問(wèn)
題，可以加入本書的專用客服QQ群：344291269，將會(huì)有專業(yè)老師為您答疑解惑。
6. 圖表演示，加強(qiáng)記憶
針對(duì)教材中知識(shí)點(diǎn)眾多、難于記憶的問(wèn)題，本叢書在編寫的過(guò)程中，盡量把考點(diǎn)用分類圖
或者表格來(lái)表示，讓讀者一目了然，快速記憶。
總的來(lái)說(shuō)，我們希望通過(guò)縱覽重點(diǎn)、同步自測(cè)、深度解析，使考生能夠?qū)键c(diǎn)了然于胸，
對(duì)考試游刃有余，對(duì)成績(jī)胸有成竹。最后，預(yù)祝廣大考生順利通過(guò)銀行業(yè)專業(yè)人員職業(yè)資格考
試，在新的人生道路上續(xù)寫輝煌。
································································································ 14
考點(diǎn)9 綠色信貸 ······································································································································ 15
第4節(jié) 同步強(qiáng)化訓(xùn)練 ··············································································································· 15
第2章 公司信貸營(yíng)銷
第1節(jié) 目標(biāo)市場(chǎng)分析 ··············································································································· 23
考點(diǎn)1 市場(chǎng)環(huán)境分析 ······························································································································ 23
考點(diǎn)2 市場(chǎng)細(xì)分 ······································································································································ 25
考點(diǎn)3 市場(chǎng)選擇和定位 ·························································································································· 29
第2節(jié) 營(yíng)銷策略 ······················································································································ 31
考點(diǎn)4 產(chǎn)品營(yíng)銷策略 ······························································································································ 31
考點(diǎn)5 定價(jià)策略 ······································································································································ 36
考點(diǎn)6 營(yíng)銷渠道策略 ······························································································································ 40
考點(diǎn)7 促銷策略 ······································································································································ 41
第3節(jié) 營(yíng)銷管理 ······················································································································ 42
考點(diǎn)8 營(yíng)銷計(jì)劃 ······································································································································ 42
考點(diǎn)9 營(yíng)銷組織 ······································································································································ 43
考點(diǎn)10 營(yíng)銷領(lǐng)導(dǎo) ···································································································································· 45
目錄
VI 公司信貸講義·真題·預(yù)測(cè)全攻略
考點(diǎn)11 營(yíng)銷控制 ···································································································································· 45
第4節(jié) 同步強(qiáng)化訓(xùn)練 ··············································································································· 46
第3章 貸款申請(qǐng)受理和貸前調(diào)查
第1節(jié) 借款人 ·························································································································· 55
考點(diǎn)1 借款人應(yīng)具備的資格和基本條件 ······························································································ 55
考點(diǎn)2 借款人的權(quán)利和義務(wù) ·················································································································· 56
第2節(jié) 貸款申請(qǐng)受理 ··············································································································· 57
考點(diǎn)3 面談訪問(wèn) ······································································································································ 57
考點(diǎn)4 內(nèi)部意見(jiàn)反饋 ······························································································································ 59
考點(diǎn)5 貸款意向階段 ······························································································································ 60
第3節(jié) 貸前調(diào)查 ······················································································································ 63
考點(diǎn)6 貸前調(diào)查的方法 ·························································································································· 63
考點(diǎn)7 貸前調(diào)查的內(nèi)容 ·························································································································· 65
第4節(jié) 貸前調(diào)查報(bào)告內(nèi)容要求 ································································································· 69
第5節(jié) 同步強(qiáng)化訓(xùn)練 ··············································································································· 72
第4章 貸款環(huán)境風(fēng)險(xiǎn)分析
第1節(jié) 國(guó)家與地區(qū)分析 ············································································································ 81
考點(diǎn)1 國(guó)別風(fēng)險(xiǎn)分析 ······························································································································ 81
考點(diǎn)2 區(qū)域風(fēng)險(xiǎn)分析 ······························································································································ 83
第2節(jié) 行業(yè)分析 ······················································································································ 84
考點(diǎn)3 行業(yè)風(fēng)險(xiǎn)的概念及其產(chǎn)生 ·········································································································· 84
考點(diǎn)4 行業(yè)風(fēng)險(xiǎn)分析 ······························································································································ 85
考點(diǎn)5 行業(yè)風(fēng)險(xiǎn)評(píng)估工作表 ·················································································································· 91
第3節(jié) 同步強(qiáng)化訓(xùn)練 ··············································································································· 92
第5章 借款需求分析
第1節(jié) 概述 ···························································································································· 103
考點(diǎn)1 借款需求的含義 ························································································································103
考點(diǎn)2 借款需求分析的意義 ················································································································104
考點(diǎn)3 借款需求的影響因素 ················································································································105
第2節(jié) 借款需求分析的內(nèi)容 ·································································································· 106
考點(diǎn)4 銷售變化引起的需求 ················································································································106
考點(diǎn)5 資產(chǎn)變化引起的需求 ················································································································112
考點(diǎn)6 負(fù)債和分紅變化引起的需求 ····································································································115
目 錄 VII
考點(diǎn)7 其他變化引起的需求 ················································································································117
第3節(jié) 借款需求與負(fù)債結(jié)構(gòu) ·································································································· 118
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 120
第6章 客戶分析
第1節(jié) 客戶品質(zhì)分析 ············································································································· 130
考點(diǎn)1 客戶品質(zhì)的基礎(chǔ)分析 ················································································································130
考點(diǎn)2 客戶經(jīng)營(yíng)管理狀況分析 ············································································································133
第2節(jié) 客戶財(cái)務(wù)分析 ············································································································· 135
考點(diǎn)3 概述 ············································································································································135
考點(diǎn)4 資產(chǎn)負(fù)債表分析 ························································································································137
考點(diǎn)5 利潤(rùn)表分析 ································································································································138
考點(diǎn)6 現(xiàn)金流量分析 ····························································································································140
考點(diǎn)7 財(cái)務(wù)報(bào)表綜合分析 ····················································································································143
第3節(jié) 客戶信用評(píng)級(jí) ············································································································· 148
考點(diǎn)8 客戶信用評(píng)級(jí)的概念 ················································································································148
考點(diǎn)9 評(píng)級(jí)因素及方法 ························································································································148
考點(diǎn)10 操作程序和調(diào)整 ······················································································································150
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 151
第7章 貸款項(xiàng)目評(píng)估
第1節(jié) 概述 ···························································································································· 161
考點(diǎn)1 基本概念 ····································································································································161
考點(diǎn)2 項(xiàng)目評(píng)估的內(nèi)容 ························································································································163
考點(diǎn)3 項(xiàng)目評(píng)估的要求和組織 ············································································································164
考點(diǎn)4 項(xiàng)目評(píng)估的意義 ························································································································164
第2節(jié) 項(xiàng)目非財(cái)務(wù)分析 ·········································································································· 165
考點(diǎn)5 項(xiàng)目背景分析 ····························································································································165
考點(diǎn)6 市場(chǎng)需求預(yù)測(cè)分析 ····················································································································167
考點(diǎn)7 生產(chǎn)規(guī)模分析 ····························································································································169
考點(diǎn)8 原輔料供給分析 ························································································································170
考點(diǎn)9 技術(shù)及工藝流程分析 ················································································································171
考點(diǎn)10 項(xiàng)目環(huán)境條件分析 ··················································································································173
考點(diǎn)11 項(xiàng)目組織與人力資源分析 ······································································································174
第3節(jié) 項(xiàng)目財(cái)務(wù)分析 ············································································································· 176
考點(diǎn)12 財(cái)務(wù)預(yù)測(cè)的審查 ······················································································································176
VIII 公司信貸講義·真題·預(yù)測(cè)全攻略
考點(diǎn)13 項(xiàng)目現(xiàn)金流量分析 ··················································································································179
考點(diǎn)14 項(xiàng)目盈利能力分析 ··················································································································179
考點(diǎn)15 項(xiàng)目清償能力分析 ··················································································································181
考點(diǎn)16 財(cái)務(wù)評(píng)價(jià)的基本報(bào)表 ··············································································································182
考點(diǎn)17 項(xiàng)目不確定性分析 ··················································································································184
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 185
第8章 貸款擔(dān)保
第1節(jié) 貸款擔(dān)保概述 ············································································································· 196
考點(diǎn)1 擔(dān)保的概念 ································································································································196
考點(diǎn)2 貸款擔(dān)保的作用 ························································································································197
考點(diǎn)3 貸款擔(dān)保的分類 ························································································································197
考點(diǎn)4 擔(dān)保范圍 ····································································································································198
第2節(jié) 貸款保證 ···················································································································· 198
考點(diǎn)5 保證人資格與條件 ····················································································································198
考點(diǎn)6 貸款保證風(fēng)險(xiǎn) ····························································································································200
第3節(jié) 貸款抵押 ···················································································································· 202
考點(diǎn)7 貸款抵押的設(shè)定條件 ················································································································202
考點(diǎn)8 貸款抵押風(fēng)險(xiǎn)分析 ····················································································································204
第4節(jié) 貸款質(zhì)押 ···················································································································· 206
考點(diǎn)9 質(zhì)押與抵押的區(qū)別 ····················································································································206
考點(diǎn)10 貸款質(zhì)押的設(shè)定條件 ··············································································································207
考點(diǎn)11 貸款質(zhì)押風(fēng)險(xiǎn) ··························································································································210
第5節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 211
第9章 貸款審批
第1節(jié) 貸款審批原則 ············································································································· 220
考點(diǎn)1 信貸授權(quán) ····································································································································220
考點(diǎn)2 審貸分離 ····································································································································222
第2節(jié) 貸款審查事項(xiàng)及審批要素 ··························································································· 224
考點(diǎn)3 貸款審查事項(xiàng) ····························································································································224
考點(diǎn)4 貸款審批要素 ····························································································································224
第3節(jié) 授信額度 ···················································································································· 226
考點(diǎn)5 授信額度的定義 ························································································································226
考點(diǎn)6 授信額度的決定因素 ················································································································227
考點(diǎn)7 授信額度的確定流程 ················································································································227
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 228
目 錄 IX
第10章 貸款合同與發(fā)放支付
第1節(jié) 貸款合同與管理 ·········································································································· 229
考點(diǎn)1 貸款合同簽訂 ····························································································································229
考點(diǎn)2 貸款合同管理 ····························································································································231
第2節(jié) 貸款的發(fā)放 ················································································································· 232
考點(diǎn)3 貸放分控 ····································································································································232
考點(diǎn)4 貸款發(fā)放管理 ····························································································································234
第3節(jié) 貸款支付 ···················································································································· 238
考點(diǎn)5 實(shí)貸實(shí)付 ····································································································································238
考點(diǎn)6 受托支付 ····································································································································239
考點(diǎn)7 自主支付 ····································································································································241
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 241
第11章 貸后管理
第1節(jié) 對(duì)借款人的貸后監(jiān)控 ·································································································· 245
考點(diǎn)1 經(jīng)營(yíng)狀況監(jiān)控 ····························································································································245
考點(diǎn)2 管理狀況監(jiān)控 ····························································································································247
考點(diǎn)3 財(cái)務(wù)狀況監(jiān)控 ····························································································································248
考點(diǎn)4 還款賬戶監(jiān)控 ····························································································································249
考點(diǎn)5 與銀行往來(lái)情況監(jiān)控 ················································································································249
第2節(jié) 擔(dān)保管理 ···················································································································· 250
考點(diǎn)6 保證人管理 ································································································································250
考點(diǎn)7 抵(質(zhì))押品管理 ·························································································································251
考點(diǎn)8 擔(dān)保的補(bǔ)充機(jī)制 ························································································································251
第3節(jié) 風(fēng)險(xiǎn)預(yù)警 ···················································································································· 252
考點(diǎn)9 風(fēng)險(xiǎn)預(yù)警程序 ····························································································································252
考點(diǎn)10 風(fēng)險(xiǎn)預(yù)警方法 ··························································································································253
考點(diǎn)11 風(fēng)險(xiǎn)預(yù)警指標(biāo)體系 ··················································································································254
考點(diǎn)12 風(fēng)險(xiǎn)預(yù)警的處置 ······················································································································254
第4節(jié) 信貸業(yè)務(wù)到期處理 ······································································································ 255
考點(diǎn)13 貸款償還操作及提前還款處理 ······························································································255
考點(diǎn)14 貸款展期處理 ··························································································································256
考點(diǎn)15 依法收貸 ··································································································································259
考點(diǎn)16 貸款總結(jié)評(píng)價(jià) ··························································································································259
第5節(jié) 檔案管理 ···················································································································· 260
X 公司信貸講義·真題·預(yù)測(cè)全攻略
考點(diǎn)17 檔案管理的原則和要求 ··········································································································260
考點(diǎn)18 貸款文件的管理 ······················································································································260
考點(diǎn)19 貸款檔案的管理 ······················································································································261
考點(diǎn)20 客戶檔案的管理 ······················································································································262
第6節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 262
第12章 貸款風(fēng)險(xiǎn)分類與貸款損失準(zhǔn)備金的計(jì)提
第1節(jié) 貸款風(fēng)險(xiǎn)分類概述 ······································································································ 268
考點(diǎn)1 貸款分類的含義和標(biāo)準(zhǔn) ············································································································268
考點(diǎn)2 貸款分類的意義 ························································································································270
考點(diǎn)3 貸款風(fēng)險(xiǎn)分類的會(huì)計(jì)原理 ········································································································270
第2節(jié) 貸款風(fēng)險(xiǎn)分類方法 ······································································································ 272
考點(diǎn)4 基本信貸分析 ····························································································································272
考點(diǎn)5 還款能力分析 ····························································································································273
考點(diǎn)6 還款可能性分析 ························································································································274
考點(diǎn)7 確定分類結(jié)果 ····························································································································275
第3節(jié) 貸款損失準(zhǔn)備金的計(jì)提 ······························································································· 276
考點(diǎn)8 貸款損失準(zhǔn)備金的含義和種類 ································································································276
考點(diǎn)9 貸款損失準(zhǔn)備金的計(jì)提基數(shù)和比例 ························································································278
考點(diǎn)10 貸款損失準(zhǔn)備金的計(jì)提原則 ··································································································279
考點(diǎn)11 貸款損失準(zhǔn)備金的計(jì)提方法 ··································································································279
第4節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 281
第13章 不良貸款管理
第1節(jié) 概述 ···························································································································· 289
考點(diǎn)1 不良貸款的定義 ························································································································289
考點(diǎn)2 不良貸款的成因 ························································································································290
第2節(jié) 不良貸款的處置方式 ·································································································· 290
考點(diǎn)3 現(xiàn)金清收 ····································································································································290
考點(diǎn)4 重組 ············································································································································292
考點(diǎn)5 呆賬核銷 ····································································································································296
考點(diǎn)6 金融企業(yè)不良資產(chǎn)批量轉(zhuǎn)讓管理 ····························································································298
第3節(jié) 同步強(qiáng)化訓(xùn)練 ············································································································· 299
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