Course Background:
Enterprise credit business is the main profit of commercial banks, from the perspective of profit contribution, corporate customers for the bank to bring benefits far greater than a single customer, corporate customers have large assets, relatively strong capital strength, strong market competitiveness, wide financing channels, low cost of bulk marketing, favored by commercial banks, become the focus of many commercial banks to expand the object. However, due to the large number of corporate customers, frequent related party transactions, collusion of funds, and mutual guarantees, it has increased the difficulty of bank credit management. Individual corporate customers have become the birthplace of banks' non-performing loans due to imperfect corporate governance and modern enterprise systems, low corporate ethics, untrue financial information, malicious arbitrage of loans and evasion of bank debts. In the credit practice of commercial banks in China, credit risk management for corporate customers has always been a difficult point.
Credit business is the most important asset business of commercial banks, and credit business plays a pivotal role in the operation of commercial banks, and the quality of credit assets not only involves the risk management of commercial banks, but also has a bearing on the long-term development of commercial banks. From the perspective of credit risk identification and control, this course starts from the actual situation of China's banking industry and industrial industry, and analyzes and solves the difficult points in the process of credit business from the perspective of practical operation, so as to promote commercial banks to effectively prevent and resolve credit risks.
Course Benefits:
Master the specific process of credit business (pre-loan, loan, post-loan), and be able to actually use the preventive measures of specific risk control points.
Understand the causes of non-performing loans, strengthen credit access management, conduct in-depth investigation and detailed review of pre-loan investigations, and post-loan managementMaster the whole process management procedures and risk control measures of various loan businesses.
Through the sharing of practical cases in a large number of industries (real estate, construction, manufacturing, and energy industries), we can summarize lessons and lessons, strictly abide by the credit protection line and warning line, improve risk identification and risk prevention and control capabilities, and establish positive and effective credit risk management capabilities.
Course Duration:2 days, 6 hours a day.
Course Target:Bank loan officer, corporate account manager.
Course Method:Class discussion + case sharing + summary and reflection + brain map refinement.
Course Highlights:
The teaching is easy to understand, based on a large number of cases, and changes passive learning to shared learning.
Focusing on practical exercises, stimulating interest in learning, and improving problem-solving ability through a large number of drills, which can be effectively used in practical operations.
The classroom atmosphere is active, the content is logical, from shallow to deep to systematic, which is convenient for the integration of the whole.
Course outline
Introduction: The significance of credit risk control
1.Historical development of credit risk.
2.The impact of credit risk on banks.
3.The impact of credit risk on an individual's career.
Lecture 1: The micro level of pre-loan investigation of corporate customer credit risk
1. Understand the three financial tables and understand the real cash flow of the enterprise
Financial Statement Basics
1) Income statement.
2) Distributable profits.
3) Net profit.
4) Surplus reserve.
5) Cost of capital.
6) Interpretation of inventory turnover.
7) Operating profit margin.
Case Study:The financial story of a bun shop.
2.Relevance of the three financial statements.
3.Points to note in financial reporting.
Black Hole Explained:Monetary funds Notes receivable Other receivables Accounts receivable Inventory Fixed assets Intangible assets Construction in progress **Subsidy.
4.A cash flow statement that should not be overlooked.
5.Keep your eyes peeled: the "magic weapon" to regulate profits - 20 situations in which non-recurring profits and losses occur.
2. Enterprise background investigation (a key indicator to measure the value of small and medium-sized enterprises).
1.The use and interpretation of commercial canvases.
The hard power of the enterprise is backtracked
1) Business model.
2) Management mode.
3) Technical advantages.
4) Product scale.
5) Industry status.
Case Study:Flour mill hard power question-and-answer survey.
Enterprise soft power backtracking
1) Background of the founder's shareholder.
2) Social relationships.
3) ** relationship.
4) Brand value.
5) Industry prospects.
6) Corporate culture, etc.
Case Study:Flour mill question-based surveys.
Lecture 2: Macro Investigation of Pre-Loan Investigation of Credit Risk of Corporate Customers
1.The overall cost structure of the industry.
2.The life cycle of the industry.
3.The overall profitability of the industry.
4.Industry dependence and substitutability of industry products.
5.the legal environment of the industry and the macroeconomic and policy environment of the industry.
Lecture 3: Industry Risk and Credit Cases
1. Risk and credit in the real estate industry
Case Study:The project loan is 20000000 yuan, with a term of 3 years (Oriental Garden Residential Community Project).
Hot Spot Analysis:The inflection point of demand in China's real estate industry.
1.Real estate project development process.
2.Key technical parameters.
3.Technical Guidelines for Industry Review.
Second, the construction machinery industry risk research and credit review
Case Study:YC Machinery Manufacturing*** applies for a working capital loan.
Recent Hot Spots:A new sales model in the construction machinery industry.
1.Industry analysis.
2.Product classification and industrial chain.
3.Cost composition and competitive landscape.
4.Industry policy.
5.Technical Guidelines for Industry Review.
6.Industry outlook.
3. Risk research and credit review in the construction industry
Case Study:HY Construction*** replenishes working capital.
Current Hot Spots:The impact of "replacing business tax with value-added tax" on construction enterprises.
1.Industry analysis.
2.The problem of "affiliation" of construction enterprises.
3.Diversification, transformation and upgrading.
4.Guarantee business.
5.Technical Guidelines for Industry Review.
6.Industry outlook.
Lecture 4: Methods of Credit Risk Measurement
1.Expert Method.
2.Rating method.
3.Z-value method.
4.A-value method.
Lecture 5: Credit Risk Control
1. Credit risk mitigation
1.Collateral Mitigation.
2.On-balance sheet netting is suspended.
3.Guarantees & Guarantees, Credit Derivatives Mitigation.
2. Transfer of credit risk
1.Financing credit risk transfer.
2.Non-financing credit risk transfer.