國(guó)家開發(fā)銀行信貸業(yè)務(wù)手冊(cè)

1、信貸業(yè)務(wù)手冊(cè)1國(guó)家開發(fā)銀行信貸業(yè)務(wù)手冊(cè)國(guó)家開發(fā)銀行信貸業(yè)務(wù)手冊(cè)信貸業(yè)務(wù)手冊(cè)33.1.1授信對(duì)象.......................................................................863.1.2授信對(duì)象應(yīng)提供的基本資料..............................................883.2授信的基本要素.........................

2、.....................................893.2.1對(duì)象..............................................................................893.2.2金額..............................................................................893.2.3期限

3、..............................................................................893.2.4利率或費(fèi)率....................................................................903.2.5用途.....................................................

4、.........................903.2.6擔(dān)保..............................................................................903.3授信活動(dòng)中的權(quán)利與義務(wù).................................................903.3.1授信活動(dòng)中我行的權(quán)利與義務(wù).......................

5、....................903.3.2授信活動(dòng)中客戶的權(quán)利與義務(wù)...........................................913.4授信擔(dān)保.......................................................................923.5限制授信的事項(xiàng).............................................

6、.................933.5.1限制授信的對(duì)象..............................................................933.5.2必須嚴(yán)格控制的授信對(duì)象.................................................943.5.3禁止和限制辦理的授信事項(xiàng).........................................

7、.....944授信額度........................................................................................964.1授信額度的核定對(duì)象........................................................964.1.1需要核定授信額度的對(duì)象................................

8、.................964.1.2無需核定授信額度的情況.................................................964.1.3“問題類授信客戶”核定授信額度的規(guī)定............................974.2授信額度的申報(bào)..............................................................974.2.1正常

9、類授信客戶的授信額度申報(bào)........................................974.2.2問題類授信客戶貸款重組額度的申報(bào)..................................974.2.3正常類授信客戶完全現(xiàn)金保證額度和銀行承兌匯票貼現(xiàn)額度的申報(bào)...........................................................................

10、.........................974.2.4問題類授信客戶完全現(xiàn)金保證額度和銀行承兌匯票貼現(xiàn)額度的申報(bào)....................................................................................................984.2.5集團(tuán)客戶的授信額度申報(bào).........................................

11、........984.3授信額度的核定..............................................................984.3.1授信額度的核定原則........................................................984.3.2“正常類授信客戶”授信額度的綜合確定............................994.3.3“問題類授信

12、客戶”重組貸款授信額度的確定...................1004.3.4完全現(xiàn)金保證額度的核定...............................................1004.3.5集團(tuán)客戶授信額度的核定...............................................1004.4分類額度.............................................

13、........................1024.4.1分類額度設(shè)置的一般原則...............................................1024.4.2單獨(dú)設(shè)立的分類額度......................................................1044.4.3分類額度與授信額度的關(guān)系.......................................

14、.....1044.4.4分類額度的使用方式......................................................1044.4.5特殊分類額度規(guī)定.........................................................1054.5授信期限的設(shè)置..........................................................