《信貸分析與公司貸款》主要針對商業銀行的信貸工作人員和中高層管理人員，突出實用性，旨在增強讀者學以致用的能力，同時也可作為大學本科生和研究生學習銀行信貸分析、風險管理、信貸操作流程的教材和參考書。
基本介紹
- 作者：韋文JamesWeaver
- ISBN：9787119048628
- 頁數：461
- 定價：80.00元
- 出版社：外文
- 出版時間：2007-1
內容介紹,作者簡介,目錄,
內容介紹
本書系統、全面、深入地介紹惡劣商業銀行信貸分析技能和信貸流程方面的國際最佳實踐。內容覆蓋行業分析、企業經營風險分析、管理評估、財務報表分析、現金流流量分析、借款需求分析、還款能力評估、風險評級、授信限額決策、貸款品種及其結構設計、貸款文本和契約以及貸後監控等諸多方面的關鍵理念、分析方法和工具。本書提煉和總結了眾多國際銀行在信貸分析和風險管理方面的普遍適用的經驗，對我國銀行業信貸風險管理具有很強的指導意義。本書主要針對商業銀行的信貸工作人員和中高層管理人員，突出實用性，旨在增強讀者學以致用的能力，同時也可作為大學本科生和研究生學習銀行信貸分析、風險管理、信貸操作流程的教材和參考書。
作者簡介
韋文(James Weaver)，1980年獲美國約翰霍普金斯大學碩士學位，擁有18年的商業銀行工作經驗，是一位資深的金融風險管理諮詢專家，在信貸領域有深入的研究和豐富的實踐經驗。歷任美國紐約Aqua Terra環境服務有限公司項目總監、美國紐約國民西敏寺銀行公共金融集團副總裁、美國紐約大通曼哈頓銀行市政金融部副總裁、荷蘭國際銀行越南河內分行公司業務部總經理等職務。在此期間，還為公共和私營企業提供了各種金融諮詢服務．包括風險管理諮詢和信貸培訓。從1996年開始，專職從事信貸風險培訓和諮詢，為十幾個國家的金融當局和機構提供幫助。此外，在亞洲和非洲的開發中國家也有10餘年的工作經驗，主要從事銀行、民營企業發展以及諮詢和培訓等方面的工作。
目錄
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
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
