本书是“银行业从业人员资格认证考试”的配套学习资料，依托具有深厚编写水平的专家团队，严格依据官方教材及考试大纲，在精选高频考点的基础上编写而成。
全书分为考点精讲及归类题库两部分：考点精讲主要选取考频较高、易混淆的考点进行详细讲解；归类题库则选取考频较高的知识点，在此基础上编设的与实战难度相当的试题。
本书特别适用于参加中国银行业从业人员资格认证考试的考生，也可供各大院校金融学专业的师生参考。
2015年银行业专业人员职业资格考试辅导用书，银行业从业人员资格认证考试辅导用书，中大网校强力推荐！源自清华的考试专家：800道真题演练+重点考点精讲+图表化记忆学习+名师答疑解惑
丛书编写初衷
近年来，随着中国银行业的不断改革与创新，整个银行业发生了历史性的变化，在国民经
济发展中发挥着越来越重要的支撑及促进作用。而银行业专业人员的待遇也水涨船高，要想从
事银行业相关工作，取得职业资格是非常必要的。
银行业专业人员职业资格考试是指银行业金融机构从事前、中、后台业务及管理工作的专
业技术人员取得相应级别和类别职业资格证书需要通过的考试。银行业专业人员职业资格英文
译为：Qualification Certificate of Banking Professional。人力资源社会保障部、中国银行业监督管
理委员会共同负责银行业专业人员职业资格制度的政策制定，并按职责分工对银行业专业人员
职业资格制度的实施进行指导、监督和检查。中国银行业协会具体承担银行业专业人员职业资
格考试工作。银行业初级资格考试为“银行业法律法规与综合能力”科目加上任意一门专业科
目，专业科目分为个人理财、风险管理、公司信贷及个人贷款。
为帮助广大考生顺利通过考试，笔者根据考试大纲编写了本套丛书，以便考生在短时间内
理解知识要点、加深记忆、熟悉题型，提高考试成功率。
丛书特色
本套丛书内容全面，资料新颖，理论联系实际，语言通俗，习题典型，可供广大银行业专
业人员参考，是广大考生顺利通过考试的必备书籍。
具体来说，本套丛书具有以下六大特点。
1. 紧跟大纲，迅速突破
本套丛书严格按照最新考试大纲编写，充分体现了教材的最新变化与要求。在详细讲解教
材基础知识的同时，每章配有精选例题及解析，通过简明扼要的考点讲解，引导考生全面、系
统地复习，让考生能够熟练掌握指定教材的全部要点和重点。
2. 源自真题，权威全面
由于银行业专业人员职业资格考试采用了机考的形式，从官方题库中自动选题，因此即使
是同一时间考试，各个考生所答的试卷也是不同的。笔者总结了多年真题，书中题目都源于官
方题库，并给出了详细的解析，以帮助考生顺利通过考试。
3. 同步演练，有的放矢
本套丛书每章最后有一套习题，并附有答案和解析，供考生检验、巩固学习成果，使考生
能尽快适应考场，在真正的考试中有的放矢，顺利通关。
4. 海量习题，贴近实战
众所周知，勤动脑、多练习，方能百战百胜。本套丛书在习题的选取上，以历年真题为
主，让考生通过习题演练了解考情和考试重点；在学习教材基础知识、分析真题的基础上，通
过模拟自测检测复习效果，了解自己的不足。
5. 简单易懂，便于自学
考虑到大部分考生是在职人士，主要利用业余时间进行自学，因此本套丛书力求语言通
俗，并对每道习题都进行了详尽、严谨的解析，便于考生自学。如果考生在学习过程中遇到问
题，可以加入本书的专用客服QQ群：344291269，将会有专业老师为您答疑解惑。
6. 图表演示，加强记忆
针对教材中知识点众多、难于记忆的问题，本丛书在编写的过程中，尽量把考点用分类图
或者表格来表示，让读者一目了然，快速记忆。
总的来说，我们希望通过纵览重点、同步自测、深度解析，使考生能够对考点了然于胸，
对考试游刃有余，对成绩胸有成竹。最后，预祝广大考生顺利通过银行业专业人员职业资格考
试，在新的人生道路上续写辉煌。
································································································ 14
考点9 绿色信贷 ······································································································································ 15
第4节 同步强化训练 ··············································································································· 15
第2章 公司信贷营销
第1节 目标市场分析 ··············································································································· 23
考点1 市场环境分析 ······························································································································ 23
考点2 市场细分 ······································································································································ 25
考点3 市场选择和定位 ·························································································································· 29
第2节 营销策略 ······················································································································ 31
考点4 产品营销策略 ······························································································································ 31
考点5 定价策略 ······································································································································ 36
考点6 营销渠道策略 ······························································································································ 40
考点7 促销策略 ······································································································································ 41
第3节 营销管理 ······················································································································ 42
考点8 营销计划 ······································································································································ 42
考点9 营销组织 ······································································································································ 43
考点10 营销领导 ···································································································································· 45
目录
VI 公司信贷讲义·真题·预测全攻略
考点11 营销控制 ···································································································································· 45
第4节 同步强化训练 ··············································································································· 46
第3章 贷款申请受理和贷前调查
第1节 借款人 ·························································································································· 55
考点1 借款人应具备的资格和基本条件 ······························································································ 55
考点2 借款人的权利和义务 ·················································································································· 56
第2节 贷款申请受理 ··············································································································· 57
考点3 面谈访问 ······································································································································ 57
考点4 内部意见反馈 ······························································································································ 59
考点5 贷款意向阶段 ······························································································································ 60
第3节 贷前调查 ······················································································································ 63
考点6 贷前调查的方法 ·························································································································· 63
考点7 贷前调查的内容 ·························································································································· 65
第4节 贷前调查报告内容要求 ································································································· 69
第5节 同步强化训练 ··············································································································· 72
第4章 贷款环境风险分析
第1节 国家与地区分析 ············································································································ 81
考点1 国别风险分析 ······························································································································ 81
考点2 区域风险分析 ······························································································································ 83
第2节 行业分析 ······················································································································ 84
考点3 行业风险的概念及其产生 ·········································································································· 84
考点4 行业风险分析 ······························································································································ 85
考点5 行业风险评估工作表 ·················································································································· 91
第3节 同步强化训练 ··············································································································· 92
第5章 借款需求分析
第1节 概述 ···························································································································· 103
考点1 借款需求的含义 ························································································································103
考点2 借款需求分析的意义 ················································································································104
考点3 借款需求的影响因素 ················································································································105
第2节 借款需求分析的内容 ·································································································· 106
考点4 销售变化引起的需求 ················································································································106
考点5 资产变化引起的需求 ················································································································112
考点6 负债和分红变化引起的需求 ····································································································115
目 录 VII
考点7 其他变化引起的需求 ················································································································117
第3节 借款需求与负债结构 ·································································································· 118
第4节 同步强化训练 ············································································································· 120
第6章 客户分析
第1节 客户品质分析 ············································································································· 130
考点1 客户品质的基础分析 ················································································································130
考点2 客户经营管理状况分析 ············································································································133
第2节 客户财务分析 ············································································································· 135
考点3 概述 ············································································································································135
考点4 资产负债表分析 ························································································································137
考点5 利润表分析 ································································································································138
考点6 现金流量分析 ····························································································································140
考点7 财务报表综合分析 ····················································································································143
第3节 客户信用评级 ············································································································· 148
考点8 客户信用评级的概念 ················································································································148
考点9 评级因素及方法 ························································································································148
考点10 操作程序和调整 ······················································································································150
第4节 同步强化训练 ············································································································· 151
第7章 贷款项目评估
第1节 概述 ···························································································································· 161
考点1 基本概念 ····································································································································161
考点2 项目评估的内容 ························································································································163
考点3 项目评估的要求和组织 ············································································································164
考点4 项目评估的意义 ························································································································164
第2节 项目非财务分析 ·········································································································· 165
考点5 项目背景分析 ····························································································································165
考点6 市场需求预测分析 ····················································································································167
考点7 生产规模分析 ····························································································································169
考点8 原辅料供给分析 ························································································································170
考点9 技术及工艺流程分析 ················································································································171
考点10 项目环境条件分析 ··················································································································173
考点11 项目组织与人力资源分析 ······································································································174
第3节 项目财务分析 ············································································································· 176
考点12 财务预测的审查 ······················································································································176
VIII 公司信贷讲义·真题·预测全攻略
考点13 项目现金流量分析 ··················································································································179
考点14 项目盈利能力分析 ··················································································································179
考点15 项目清偿能力分析 ··················································································································181
考点16 财务评价的基本报表 ··············································································································182
考点17 项目不确定性分析 ··················································································································184
第4节 同步强化训练 ············································································································· 185
第8章 贷款担保
第1节 贷款担保概述 ············································································································· 196
考点1 担保的概念 ································································································································196
考点2 贷款担保的作用 ························································································································197
考点3 贷款担保的分类 ························································································································197
考点4 担保范围 ····································································································································198
第2节 贷款保证 ···················································································································· 198
考点5 保证人资格与条件 ····················································································································198
考点6 贷款保证风险 ····························································································································200
第3节 贷款抵押 ···················································································································· 202
考点7 贷款抵押的设定条件 ················································································································202
考点8 贷款抵押风险分析 ····················································································································204
第4节 贷款质押 ···················································································································· 206
考点9 质押与抵押的区别 ····················································································································206
考点10 贷款质押的设定条件 ··············································································································207
考点11 贷款质押风险 ··························································································································210
第5节 同步强化训练 ············································································································· 211
第9章 贷款审批
第1节 贷款审批原则 ············································································································· 220
考点1 信贷授权 ····································································································································220
考点2 审贷分离 ····································································································································222
第2节 贷款审查事项及审批要素 ··························································································· 224
考点3 贷款审查事项 ····························································································································224
考点4 贷款审批要素 ····························································································································224
第3节 授信额度 ···················································································································· 226
考点5 授信额度的定义 ························································································································226
考点6 授信额度的决定因素 ················································································································227
考点7 授信额度的确定流程 ················································································································227
第4节 同步强化训练 ············································································································· 228
目 录 IX
第10章 贷款合同与发放支付
第1节 贷款合同与管理 ·········································································································· 229
考点1 贷款合同签订 ····························································································································229
考点2 贷款合同管理 ····························································································································231
第2节 贷款的发放 ················································································································· 232
考点3 贷放分控 ····································································································································232
考点4 贷款发放管理 ····························································································································234
第3节 贷款支付 ···················································································································· 238
考点5 实贷实付 ····································································································································238
考点6 受托支付 ····································································································································239
考点7 自主支付 ····································································································································241
第4节 同步强化训练 ············································································································· 241
第11章 贷后管理
第1节 对借款人的贷后监控 ·································································································· 245
考点1 经营状况监控 ····························································································································245
考点2 管理状况监控 ····························································································································247
考点3 财务状况监控 ····························································································································248
考点4 还款账户监控 ····························································································································249
考点5 与银行往来情况监控 ················································································································249
第2节 担保管理 ···················································································································· 250
考点6 保证人管理 ································································································································250
考点7 抵(质)押品管理 ·························································································································251
考点8 担保的补充机制 ························································································································251
第3节 风险预警 ···················································································································· 252
考点9 风险预警程序 ····························································································································252
考点10 风险预警方法 ··························································································································253
考点11 风险预警指标体系 ··················································································································254
考点12 风险预警的处置 ······················································································································254
第4节 信贷业务到期处理 ······································································································ 255
考点13 贷款偿还操作及提前还款处理 ······························································································255
考点14 贷款展期处理 ··························································································································256
考点15 依法收贷 ··································································································································259
考点16 贷款总结评价 ··························································································································259
第5节 档案管理 ···················································································································· 260
X 公司信贷讲义·真题·预测全攻略
考点17 档案管理的原则和要求 ··········································································································260
考点18 贷款文件的管理 ······················································································································260
考点19 贷款档案的管理 ······················································································································261
考点20 客户档案的管理 ······················································································································262
第6节 同步强化训练 ············································································································· 262
第12章 贷款风险分类与贷款损失准备金的计提
第1节 贷款风险分类概述 ······································································································ 268
考点1 贷款分类的含义和标准 ············································································································268
考点2 贷款分类的意义 ························································································································270
考点3 贷款风险分类的会计原理 ········································································································270
第2节 贷款风险分类方法 ······································································································ 272
考点4 基本信贷分析 ····························································································································272
考点5 还款能力分析 ····························································································································273
考点6 还款可能性分析 ························································································································274
考点7 确定分类结果 ····························································································································275
第3节 贷款损失准备金的计提 ······························································································· 276
考点8 贷款损失准备金的含义和种类 ································································································276
考点9 贷款损失准备金的计提基数和比例 ························································································278
考点10 贷款损失准备金的计提原则 ··································································································279
考点11 贷款损失准备金的计提方法 ··································································································279
第4节 同步强化训练 ············································································································· 281
第13章 不良贷款管理
第1节 概述 ···························································································································· 289
考点1 不良贷款的定义 ························································································································289
考点2 不良贷款的成因 ························································································································290
第2节 不良贷款的处置方式 ·································································································· 290
考点3 现金清收 ····································································································································290
考点4 重组 ············································································································································292
考点5 呆账核销 ····································································································································296
考点6 金融企业不良资产批量转让管理 ····························································································298
第3节 同步强化训练 ············································································································· 299
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