目录
中文摘要............……、....................................……，...........................................……，..……1
Abslract....................................................................................................................……2
第一章前言..........................................................................................................……3
1.1研究背景....................................................................................................……3
1.2研究目的....................................................................................................……3
1.3研究内容....................................................................................................……3
1.4研究方法....................................................................................................……3
第二章汇丰银行信贷管理方法及制度................................................................……4
2.1汇丰银行简介.........................................................................····..·············……4
2.2汇丰银行制定贷款政策的原则................................................................……5
2.2.1贷款的安全性原则..........................................................................……5
2.2.2贷款的流动性原则.................................................................……，..……6
2.2.3贷款盈利性原则..............................................................................……6
2.2.4三性原则的相互关系......................................................................……6
2.3汇丰银行的贷款程序管理........................................................................……6
2.3.1贷前调查...............................................................................············……6
2.3.2贷时审查......................................................................·····················……7
2.4汇丰银行贷款的五级分类管理................................................................……8
2.5汇丰银行贷款的信用分析........................................................................……9
第三章汇丰银行信贷管理运作机制的特点......................................................……13
3.1严格的信贷操作规程...............................................................................……13
3.2权责明确、相互制约的信贷授权与审批制度.......................................……13
3.3严密的信贷风险管理体系和多样化的风险控制方法...........................……13
3.4有效的内部检查与稽核制度..........................……;..................................……巧
第四章外资银行与国有商业银行信贷管理模式的比较与差异......................……17
4.1组织结构上的差异..............................................····································……17
4.2风险防范意识和控制手段上的差异......................................................……18
4.3人员制约手段的差异..............................................................................……19
4.4财务管理制度上的差异..........................................................................……加
4.5不良贷款处理策略上的差异..................................................................……21
汇丰银行的信贷管理—案例分析与借鉴
第五章中外资银行信贷文化内容及其特点......................................................……22
5.1信贷文化的含义及构成...........................................................................……22
5.2外资商业银行信贷文化的内容和特色..................................................……22
5.3国有商业银行不良信贷文化的现象......................................................……27
5.4培育健康信贷文化的对策......................................................................……29
第六章外资银行信贷管理对我们的启示..……，.................................................……32
6.1建立和健全信贷组织管理体制...............................................................……32
6.2树立正确的信贷经营管理思想...............................................................……犯
6.3借鉴先进的风险监管理念.......................................................................……33
6.4处理好信贷管理与提高效率的关系.......................................................……34
6.5改革财务管理制度，...............................................................................……34
第七章结论........................................................................................................……36
参考文献................................................................................................................……37
示经济问题困]2003.8