信息贷分析与公司贷款 Credit Analysis and Commercial Lending
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作者： 韦文 著
出 版 社： 外文出版社
出版时间： 2007-7-1字数：版次： 1页数： 461印刷时间： 2007/07/01开本：印次：纸张： 胶版纸I S B N ： 9787119048628包装： 平装内容简介
本书系统、全面、深入地介绍恶劣商业银行信贷分析技能和信贷流程方面的国际最佳实践。内容覆盖行业分析、企业经营风险分析、管理评估、财务报表分析、现金流流量分析、借款需求分析、还款能力评估、风险评级、授信限额决策、贷款品种及其结构设计、贷款文本和合同以及贷后监控等诸多方面的关键理念、分析方法和工具。本书提炼和总结了众多国际银行在信贷分析和风险管理方面的普遍适用的经验，对我国银行业信贷风险管理具有很强的指导意义。本书主要针对商业银行的信贷工作人员和中高层管理人员，突出实用性，旨在增强读者学以致用的能力，同时也可作为大学本科生和研究生学习银行信贷分析、风险管理、信贷操作流程的教材和参考书。
作者简介
韦文(James Weaver)，1980年获美国约翰霍普金斯大学硕士学位，拥有18年的商业银行工作经验，是一位资深的金融风险管理咨询专家，在信贷领域有深入的研究和丰富的实践经验。历任美国纽约Aqua Terra环境服务有限公司项目总监、美国纽约国民西敏寺银行公共金融集团副总裁、美国纽约大通曼哈顿银行市政金融部副总裁、荷兰国际银行越南河内分行公司业务部总经理等职务。在此期间，还为公共和私营企业提供了各种金融咨询服务．包括风险管理咨询和信贷培训。从1996年开始，专职从事信贷风险培训和咨询，为十几个国家的金融当局和机构提供帮助。此外，在亚洲和非洲的发展中国家也有10余年的工作经验，主要从事银行、民营企业发展以及咨询和培训等方面的工作。
目录
FOREWORD
ACKNOWLEDGMENTS
PREFACE
Purpose and Content
Structure
ABBREVIATIoNS
DIAGRAMS AND TABLES
MOIDULE 1：CREDIT RISK PERSPECTIVE
1.1 Perspective on IUsk
1.1.1 Financial Intermediation
1.1.2 Commercial Banking Risks
1.2 Credit Risk Management
1.2.1 Keys to Successful Credit Risk Management
1.2.2 Balancing Quantitative and Qualitative Factors
1.3 The Role of Bank Capital
MODULE 2：THE CREDIT PROCESS
2.1 The Credit Process
2.1.1 Credit Process Objectives
2.1.2 Credit Process Differences Among Business Lines
2.2 The Corporate Lending Process
2.2.1 Functions Within the Corporate Lending Process
2.2.2 Elements of the Corporate Lending Credit Process
MODULE 3：TARGET MARKETS AND RISK ACCEPTANCE CRITERIA
3.1 Overview
3.2 Target Markets
3.3 Risk Acceptance Criteria
MODULE 4：INDUSTRY RISK ANALYSIS
4.1 Key Macroeconomic Credit Factors
4.2 Sectors,Industries,and Segments
4.3 Industry Risk Analysis
4.3.1 Industry Risk Analysis Overview
4.3.2 Porter's Five Forces
4.3.3 Industry Risk Analysis Framework
4.3.3.1 Industry Maturity
4.3.3.2 Level of Competition
4.3.3.3 Potential for Competitive Substitutes
4.3.3.4 Cost Structure
4.3.3.5 Cyclicality
4.3.3.6 Barriers to Entry
4.3.3.7 Regulatory Environment
4.4 Industry Risk Assessment Worksheet
MODULE 5: BUSINESS RISK ANALYSIS
5.1 Sources of Business Risk
5.2 Different Approaches to Business Risk Assessment
5.3 The Asset Conversion Cycle
5.3.1 Components of the Asset Conversion Cycle
5.3.2 Estimating the Length of the Operating Cycle and Cash Cycle
5.3.3 The Asset Conversion Cycle as a Guide for Business Risk Assessment
5.4 The Business Risk Analysis Framework
5.4.1 General Company Risks
5.4.l.1 Industry Risk
5.4.1.2 Company Maturity
5.4.2 Risks Directly Related to the Asset Conversion Cycle
5.4.2.1 Supply Risk
5.4.2.2 Production Risk
5.4.2.3 Sales Risk
5.4.2.4 Distribution Risk
5.4.2.5 Management Risk
5.5 Business Risk Assessment Worksheet
MODULE 6: BALANCE SHEET AND INCOME STATEMENT ANALYSIS
6.1 Financial Statement Utility
6.1.1 Characteristics of Good Financial Statement Analysis
6.1.2 Different Approaches
6.2 Linking Financial Statement Analysis to Management Decisions
6.3 Financial Statement Risk
6.3.1 Sources of Financial Statement Risk
6.3.2 Examining the Balance Sheet for Potential Financial Statement Risk
6.3.3 Examining the Income Statement for Potential Financial Statement Risk
6.4 Verifying and Reconstructing Financial Statements
6.4.1 Forming Expectations for Validation
6.4.2 Guidelines for Validating and Reconstructincome Statement Accounts
6.4.3 Guidelines for Validating and Reconstructing Balance Sheet Accounts
……
MODULE 7: CASH FLOW ANALYSIS
MODULE 8: BORROWING CAUSE AND NEEDS ANALYSIS
MODULE 9: PROJECTING CASH FLOWS AND ESTABLISHING CREDIT LIMITS
MODULE 10: STRUCTURING CREDIT FACILITIES
MODULE 11: RISK RATINGS
MODULE 12: PREPARING CREDIT APPROVAL PACKAGES
MODULE 13: LOAN DOCUMENTATION AND LEGAL FACTORS
MODULE 14: LOAN MONITORING
APPENDICES
