Course Background:
On February 2, 2024, the State Administration of Financial Supervision promulgated the Measures for the Administration of Fixed Asset Loans, the Measures for the Administration of Working Capital Loans, and the Measures for the Administration of Personal Loans, which will come into force on July 1, 2024. The issuance of the "Three Measures" is an important system for the credit risk management of commercial banks after the Measures for the Management of Capital of Commercial Banks on January 1 and the Measures for the Classification of Financial Assets of Commercial Banks on July 1, 2023.
In order to enable institutions to have an in-depth understanding of the impact of the "three measures" on commercial banks and the coping strategies that should be adopted, this course specially invited three senior experts in the industry to give a comprehensive interpretation of the "three measures" from three aspects: credit investigation, financial report analysis and post-loan management, and credit risk management mechanism construction, covering the whole process of credit risk management, the ten-step method of pre-loan investigation, the important methods of financial data analysis, the core points of post-loan management, the main changes of the measures and the problems to be solved by the regulatory authorities. Hot issues such as the logic and measures of credit risk management are easy to understand and closely related to the actual business, which is conducive to deepening the understanding and application of the new regulations and improving the level of credit risk management.
Teaching Target:
It is suitable for credit management personnel, risk control personnel, examination and approval personnel, legal affairs department personnel, asset preservation department personnel such as commercial banks, rural cooperative banks, rural credit cooperatives, etc.
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A wonderful review of previous courses
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Course outline
Module 1: Ten-step method of credit investigation + high-quality investigation report template design of benchmarking new capital regulations and integrating the "three methods".
Part 1 Two Core Regulatory Documents Clarify the "Six-Character True Scripture" of Pre-Loan Investigation
1. Under the new capital regulations, it is necessary to build four major systems for credit risk management
1.1 Pre-loan whole process system [framework]
Internal Rating (Logic Map)
Classified management of corporate customers
Unified credit management
1.2 Review the whole process system [framework]
The main content of the credit review
Key points of review of major credit business varieties
Key points of industry credit review
Credit review report writing
Credit Business Review Report Template
1.3 Guarantee Whole Process System [Logic Map]
1.4 Post-loan whole process system [logic map]
2. Under the background of the implementation of the three measures, the whole process risk management requirements for credit business are put forward with the underlying logic of actual loan and actual payment
2.1 Article Search: [Article 6 and Article 46 of Fixed Loans, Article 5 of Current Loans, Article 5 of Personal Loans]
2.2 Executive Summary [Improve the internal control mechanism and implement the whole process management of loans]
2.3 Establishment of the Bank's Basic Credit Management System around the Three Measures [Framework]
3. Under the premise of the joint regulation of the two core regulatory documents, how to do credit and how to do it?
3.1 Independent operation and independent risk control
3.2 Standardization of investigation, specialization of review, hierarchical guarantee and systematization of post-loan
3.3 Survey standardization = interview + on-site + verification
3.3.1 What problems are solved by non-financial analysis
3.3.2 What problems are dialysed by financial analysis
4. Thought determines action, and action determines result
4.1 How to look at the three ways - passive response or active attack
4.2 Take the implementation of the three methods as an opportunity to establish a development system of "one industry/customer, one plan, one product, and one credit".
The second part is the ten-step method of pre-loan investigation around the "six-character true scripture" + financial analysis from the perspective of credit
1. Analysis of the core provisions of the three measures
1. Article search [Article 14 of Fixed Loans, Article 16 of Current Loans, Article 15 of Personal Loans]
2. Executive Summary [Main Content of Due Diligence]
2. Pre-loan investigation
1. 10-step method of pre-loan investigation
Illustrate:
Confront failures, sort out lessons, and switch to the customer's perspective to interpret and optimize the full case teaching of the investigation
1.1 Overview of the 10-step approach to due diligence
1.1.1 The first six steps (the human dimension)
.Actual controller.Interbank.Financial officer
.Purchasing Leader, Production Leader, Sales Leader
1.1.2 The last four steps (the dimension of things)
Interior view of the door and storeroom
Production workshop guarantor person or thing
2. Explain the ten-step method
2.1 Actual controller
2.1.1 Practical application of article search
Paragraphs 1-3 of Article 16 of the Circulating Loan
Purpose of the survey
Six issues to be aware of
Information collection and verification methods are required
2.2 Banks and Interbanks
2.2.1 Practical application of article search
Article 16, paragraph 4 of the Circulating Loans
Purpose of the survey
There are two major issues to be aware of
Information collection and verification methods are required
Step 1 & 2 Risk Concerns
Survey methodology
Investigative skills
2.3 Head of Finance
Purpose of the survey
Ten things to know
Information collection and verification methods are required
Step 3: Risk Concerns
Survey methodology
Investigative skills
Cross-validation methods
2.4 Purchasing Leader
2.4.1 Practical application of article search
Paragraphs 1-2 of Article 14 of Fixed Loans
Purpose of the survey
Five things to know about
Information collection and verification methods are required
2.5 Production leader
2.5.1 Practical application of article search
Paragraphs 1-2 of Article 14 of Fixed Loans
Purpose of the survey
Eight issues to be understood
Information collection and verification methods are required
2.6 Sales Leader
2.6.1 Practical application of article search
Paragraphs 1-2 of Article 14 of Fixed Loans
Purpose of the survey Six questions to be understood Information to be collected and verification methods to be obtained
2.7 Door head, interior view
2.7.1 Practical application of article search
Paragraph 3 of Article 15 of the Personal Loan
Investigation site Investigation purpose Eight issues to be understood Information collection and verification methods are required
2.8 Warehouse
2.8.1 Practical application of article search
Paragraph 3 of Article 15 of the Personal Loan
.Investigation site .Investigation purpose .Two aspects that need to be understood .Need to collect information and verification methods
2.9 Production workshop
2.9.1 Practical application of article search
Paragraph 3 of Article 15 of Personal Loan Article 17 of Personal Loan [Access of External Assessment Agencies]
.Investigation site .Investigation purpose .Five aspects to be understood .Need to collect information and verification methods
Step 7, 8, 9 Risk Concerns
Survey methodology
Investigative skills
2.10 Guarantor or Thing
2.10.1 Article retrieval and practical application
Article 16, paragraph 9 of the Circulating Loan
Article 14, Paragraph 4, Article 16 [Credit Methods], Article 48 and Article 49 of the Fixed Loan
Paragraph 5 of Article 15 of the Personal Loan
Investigate the scene
Purpose of the survey
Eight issues to be understood
Information collection and verification methods are required
Step 10: Risk Concerns
Survey methodology
Investigative skills
3. The main risk points sorted out under the ten-step method
3.1 Key points sorted out in combination with the Due Diligence Form of the Actual Controller
3.1,1 Logical verification and review of the actual controller's resume, professional background, and relevant positions
3.1.2 Logical verification and review of the rationality of the company's equity change
3.1.3 Logical verification and review of the company's asset accumulation and equity (the packaging party of the newly established company that has appeared at present
Act)
3.2 Key points sorted out in conjunction with the Bank and Interbank Due Diligence Form
3.2.1 Combined with credit reporting, grasp the principles of review of loan guarantees for business entities, actual controllers and spouses in multiple financial institutions
3.2.2 It is necessary to make an in-depth interpretation of the credit information of other banks in the credit investigation to avoid becoming a pick-up man
3.2.3 Pay close attention to the relevant terms of credit products used by upstream and downstream customers in the supply chain of core enterprises
3.3 Combined with the "Financial Person in Charge Due Diligence Form" to sort out the key points
3.3.1 During the review process, five asset accounts should be focused
1) The details of the two required subjects should be requested
2) Two must-order customers should confirm that they are valid
3) Income/flow is the key to appropriate credit extension and the foundation of preventing credit risk
3.4 Combined with the "Procurement Person in Charge Due Diligence Form" to sort out the key points
3.4.1 Enterprises with standardized procurement are not necessarily good enterprises
3.4.2 The annual procurement needs to be logical through the main procurement contracts, orders and other materials
3.4.3 There are some purchases of cattle that are not in the mouth of the horse, and it is impossible for Mengniu's upstream customers to buy sheep in large quantities
3.5 Combined with the "Due Diligence Form of the Person in Charge of Production" to sort out the key points
3.5.1 For manufacturing and quasi-manufacturing enterprises and business entities, special attention is paid to their capacity utilization
3.5.2 The restructuring of enterprises and business entities that irreparably lose their production capacity utilization is equivalent to chronic suicide
3.6 Combined with the "sales person in charge of due diligence form" to sort out the key points
3.6.1 Credit review should have systematic thinking, sometimes the success or failure of credit review lies in the customer's customer
3.6.2 Enterprises with poor sales quality are equivalent to putting bad debts, and some individual enterprises are taking the initiative to put bad debts, and they can't be reviewed
Let
3.7 Combined with the main points sorted out in the "Due Diligence Form for Door and Interior Scenes".
3.7.1 From the perspective of loan concentration and risk appetite, diversified enterprises are not high-quality customers of the rural credit system
3.7.2 Behind the door is to rely on the support of the market, contacts, resources and team, and insufficient factor support will endanger the safety of credit funds, and at the same time accompanied by high compliance risks
3.7.3 The interior scene is related to the comprehensive review of the operation perspective of the enterprise or business entity, and there are only two ways to survive, that is, relying on the market and relying on the relationship, and there should be a clear difference in the setting of credit conditions
3.8 Combined with the "Warehouse Site Due Diligence Form" to sort out the key points
3.8.1 The review of inventory structure, inventory quality, and inventory turnover efficiency is to ensure that the later financial analysis is credible and feasible
prerequisites for the line
3.8.2 Biological living assets should be combined with the relevant requirements of the "Livestock and Poultry Identification and Breeding Archives Management Measures" to review the breeding files
3.8.3 Combined with the ratio relationship between inventory size and cost of sales, reasonable review and questioning
3.9 Combined with the "production workshop due diligence form" to sort out the main points
3.9.1 The understanding of the production process and the clarity of the description are the key points that cannot be compromised in the review
3.9.2 The review of the production process and core equipment of the enterprises settled in various industrial parks is an important risk control point
3.10 Combined with the "Collateral and Guarantor Due Diligence Form" to sort out the key points
3.10.1 There is no love without a reason, and the motive of guarantee is deep thinking that penetrates conventional scrutiny
3.10.2 The review of mortgage security should focus on relevance and indispensability
3.10.3 In the process of reviewing the mortgage of live animals and agricultural products, the life cycle and price changes should be fully considered, and a price calculation, monitoring and early warning mechanism should be established
Part 3 Template of high-quality credit investigation report in the context of the implementation of the three measures
1. Practical points of article retrieval
1. Article 15 of Fixed Loans, Article 16 of Current Loans, Personal Loans
2. What should be reflected in the loan investigation report in order to form an effective support for the review and approval
2. Frequently asked questions about the investigation working papers
1. Basic customer information required for credit application
1.1 Applicant's information
1.1.1 Applicant's subject qualification information
1.1.2 Collateral/collateral information
1.2 Guarantor's Details
1.2.1 Qualification materials of the main body of the guarantee enterprise
1.2.2 Guarantee the relevant information of the production and operation of the enterprise
1.2.3 Information of the guarantor of a natural person
1.2.4 Professional guarantee company information
1.3 Collateral Information
1.4 Off-site verification data
1.5 Field Survey Images
1.6 Investigation and verification process and request for evidence
3. Frequently Asked Questions and Practices of Basic Customer Information
1. Business declaration information
2. Basic customer information
2.1 Basic Registration Information
2.2 Qualifications and environmental protection
2.3 Historical Cooperation
2.4 Historical evolution of the enterprise and the composition of shareholders
3. Introduction of the actual controller
3.1 Basic information of the actual controller 3.2 Family assets 3.3 Family liabilities
3.3.1 Bank Financing 3.3.2 Net Household Assets 3.3.3 External Guarantees
3.3.4 Explanation of bank financing, external guarantees, private financing, etc
3.4 Personal experience and brief evaluation of the actual controller
4. Affiliated enterprises
5. The applicant's credit status
4. Field investigation information
1. How to do the on-site investigation work
2. How to take photos of the field investigation
5. Financial Information
6. Guarantee Information
7. Examples of final conclusions
1. Approval opinions 2. Repayment methods 3. Guarantee conditions 4. Loan implementation conditions 5. Management requirements
Description: A complete demonstration of the whole process of a real loan investigation, integrating the all-round impact of the three methods on the credit business, and sharing the underlying ideas of the final credit scheme design
Summary:
The only way to land the three methods
The customer is reliable/the operation is legal/the product is proper/the loan is compliant
Module 2: Interpret the credit risk management requirements in the "Three Measures" and the coping strategies and measures of commercial banks
1. The logic of credit risk management is embodied in the "three measures" ---- risk cost and capital cost
(1) Credit access control under the new regulatory regulations
Example 1: Article 9 of the Measures for the Administration of Working Capital Loans adds that "it shall not be used for dividends to the borrower's shareholders and financial assets"
Example 2: Article 15 of the Measures for the Administration of Personal Loans adds that "if it is used for production and operation, the borrower's business situation shall also be investigated"
(2) Full life cycle management of collateral
Example 1: Article 14 of the Measures for the Administration of Fixed Asset Loans adds "the guarantor's guarantee capacity, the value of the collateral (right), etc.".
Example 2: "Ownership of collateral property" is added to the loan investigation content in Article 15 of the Measures for the Administration of Personal Loans
(3) Strengthen the authenticity of asset quality and the management of provisions
Example 1: Article 35 of the Measures for the Administration of Fixed Asset Loans, Article 34 of the Measures for the Administration of Working Capital Loans, and Article 39 of the Measures for the Administration of Personal Loans add the control measures of "early repayment of loans or downgrading of loan risk classification" for "misappropriation of loan funds by borrowers", and emphasize that "risk classification is carried out according to the actual risk status"
(4) Strengthen post-loan management
Example 1: Reiterate the control of the purpose of the loan and the identification of risk credit
Example 2: Determine the extension period of various types of loans
(5) Regulatory penalties
1. The new circumstances of applicable regulatory penalties in the three measures
2. Data analysis of regulatory penalties in the credit field in recent years
II. The main changes in the "Three Measures" require credit risk control and implementation measures
(1) The main changes of the "three measures" and the problems to be solved by the regulatory authorities
1. Purpose and term 2. Methods and contents of credit investigation 3. Risk assessment and approval
4. Contract content 5. Issuance and payment 6. Post-loan management 7. Regulatory penalties
(2) Measures to be taken by commercial banks in response to the "three measures".
1. Contract amendment
2. Revision of systems and processes
3. Third-party entrustment and risk control in loan business
4. The credit process can be traced
3. Review standards for the integrity, compliance and legitimacy of credit business under the "Three Measures".
(1) Review of the borrower's qualifications
1. Subject qualifications (business license, articles of association, industry qualification)
2. Financial status 3, credit situation 4, litigation situation 5, group credit 6, related relationship
(2) Review of the content of credit business
1. Purpose 2, Quota 3, Term 4, Source of Repayment
(3) Review of the guarantee method
1. Review standards for legal person guarantee 2. Review standard for natural person guarantee guarantee
3. Review criteria for mortgage security 4. Review criteria for pledge security 5. Value appraisal 6. Mixed guarantee
Module 3: After the implementation of the "Three Measures", commercial banks will finance the whole process of credit business
Analysis of the response
Lecture 1: In-depth interpretation of regulatory penalties in 2023 and the trend of regulatory penalties in post-loan management in 2024
1. Analysis of the overall punishment of external supervision
1.1 Analysis of penalties imposed by external regulators in 2023
1.2 Key analysis of key cases in 2023
1.3 Analysis of key regulatory trends in 2024
2. Focus on the analysis of regulatory penalties
2.1 Purpose of Loan
2.2 Payment Amount
2.3 Payment Timing Issues
2.4 Payment Account Issues
2.5 Calculation of current loans
2.6 Project capital
2.7 Loan Variety
3. Achieve full coverage of financial supervision
3.1 Legality is more important than illegality
3.2 The management industry must manage risks
Lecture 2: Financial analysis requirements involved in the measures for the administration of fixed asset loans
1. Key points of financial analysis of fixed asset loans
1.1 The measures for the management of fixed asset loans require the analysis of the asset structure, and how we should analyze the asset structure in the pre-loan investigation
2. Financial forecasting and analysis in fixed asset loans
2.1 Forecasting Principles of Financial Analysis
2.2 Existing data analysis for financial analysis
2.3 Forecast analysis of future earnings
2.4 Forecast and analysis of future costs
3. Analysis of the repayment method of fixed asset loans in financial analysis
4. Analysis of the repayment period of fixed asset loans in financial analysis
5. Analysis of the repayment method of fixed asset loans in financial analysis
6. Analysis of the capital demand of fixed asset loans in financial analysis
7. Analysis of the guarantee capacity of fixed asset loans in financial analysis
Case Study:
Case study of a specialized and special new enterprise whose fixed asset loan was rejected
Case study of a railway terminal handling project loan was rejected
Case study of an aircraft manufacturing enterprise whose project loan was rejected
Lecture 3: Financial Analysis in the Measures for the Administration of Working Capital Loans
1. Analysis of the repayment plan of the loan funds, the frequency of interest repayment and the frequency of principal repayment
2. Financial analysis in the real use of working capital loans
3. Balance sheet analysis
3.1 Identification of inventory fraud risk events of a consignment enterprise and a processing enterprise
3.2 Analysis of the bankruptcy event caused by the change of inventory type of a manufacturing enterprise
3.3 The account analysis process of the real asset value of a private enterprise
3.4 A case of an enterprise using fake machinery and equipment to fraudulently obtain loans
3.5 Analysis of financial events under the "halo" effect of an enterprise
3.6 Field inventory investigation method of a liquor wholesale enterprise
3.7 Methods of on-site inventory investigation of a movable property pledge customer
4. Analysis of liabilities and income statements
5. Analysis of cash flow statement
5.1 An enterprise discovers hidden risk events from the transaction frequency and transaction amount
5.2 An enterprise analyzes the real cash flow income of the enterprise from the total transaction volume
5.3 Through cash flow analysis, it is found that the enterprise falsifies operating cash flow
5.4 Determine the true source of repayment funds of the enterprise according to the different industries in which the enterprise is located
5.5 The operational risk caused by the mismatch between the increase in accounts receivable and cash flow of an enterprise
5.6 The operational risk caused by the mismatch between the change in inventory and the change in cash flow of an enterprise
Lecture 4: Calculation and analysis of the new loan amount of working capital loans
1. Analysis of the provisions on the calculation of new working capital loans in the new regulations
2. What should I do if there are defects in the calculation process itself?
3. Analysis of real calculation methods for large and medium-sized enterprises
4. Analysis of the real calculation method of public institutions
5. Analysis of thirteen calculation methods for small and micro enterprises (including specialized, special and new enterprises).
6. Analysis of misunderstandings encountered in calculation and countermeasures
Lecture 5: After the implementation of the new regulations, the analysis of the real use of loan funds
1. Calculation of the use of loan funds
2. How to achieve "superficial truth" of loan funds
3. Analysis of the real demand for loan funds
4. Analysis of the payment method of loan funds
5. Analysis of real use under the principle of penetration
6. How to control the amount of loan funds
7. Check and analyze the use of funds under independent payment
8. How to prevent misappropriation of funds after entrusted payment
9. Grasp the practice of entrusted payment for supply chain loans
Lecture 6: Relevant provisions of the new regulations in financial analysis
1. Analysis of the obvious deterioration of the financial situation
1.1 Trend analysis of obvious trends in financial status
Is an increase in accounts receivable necessarily bad?
The real financial analysis behind the change in inventory
The real financial analysis behind the change in liabilities
The real financial analysis principle of machine and equipment changes
2. Analysis of the obvious deterioration of business conditions
2.1 Analysis of business conditions in early warning signals
2.2 Analysis of the market environment in the early warning signals
2.3 Analysis of historical data in early warning signals
2.4 Analysis of development trends in early warning signals
3. The use of early warning signals
3.1 Analysis of the level and nature of early warning signals
3.2 Hierarchical management analysis of early warning signals
4. The early warning signal is analyzed in the actual case
Course fees
Course time: May 16-18 (May 15 is the whole day registration)
Training location: Shandong · Qingdao
For more information:
Scan the QR code to add the course advisor's WeChat
Tong Jinbei
13611182280 (same number on phone and WeChat)
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