本书主要介绍了行业分析、企业经营风险分析、管理评估、财务报表分析、现金流流量分析、借款需求分析、还款能力评估、风险评级、授信限额决策、贷款品种及其结构设计、贷款文本和合同以及贷后监控等诸多方面的关键理念、分析方法和工具。本书还对我国银行业信贷风险管理具有很强的指导意义。

本书系统、全面、深入地介绍恶劣商业银行信贷分析技能和信贷流程方面的国际最佳实践。内容覆盖行业分析、企业经营风险分析、管理评估、财务报表分析、现金流流量分析、借款需求分析、还款能力评估、风险评级、授信限额决策、贷款品种及其结构设计、贷款文本和合同以及贷后监控等诸多方面的关键理念、分析方法和工具。本书提炼和总结了众多国际银行在信贷分析和风险管理方面的普遍适用的经验，对我国银行业信贷风险管理具有很强的指导意义。本书主要针对商业银行的信贷工作人员和中高层管理人员，突出实用性，旨在增强读者学以致用的能力，同时也可作为大学本科生和研究生学习银行信贷分析、风险管理、信贷操作流程的教材和参考书。

FOREWORD

ACKNOWLEDGMENTS

PREFACE

Purpose and Content

Structure

ABBREVIATIoNS

DIAGRAMS AND TABLES

MOIDULE 1：CREDIT RISK PERSPECTIVE

1.1 Perspective on IUsk

 1.1.1 Financial Intermediation

 1.1.2 Commercial Banking Risks

1.2 Credit Risk Management

 1.2.1 Keys to Successful Credit Risk Management

 1.2.2 Balancing Quantitative and Qualitative Factors

1.3 The Role of Bank Capital

MODULE 2：THE CREDIT PROCESS

2.1 The Credit Process

 2.1.1 Credit Process Objectives

 2.1.2 Credit Process Differences Among Business Lines

2.2 The Corporate Lending Process

 2.2.1 Functions Within the Corporate Lending Process

 2.2.2 Elements of the Corporate Lending Credit Process

MODULE 3：TARGET MARKETS AND RISK ACCEPTANCE CRITERIA

3.1 Overview

3.2 Target Markets

3.3 Risk Acceptance Criteria

MODULE 4：INDUSTRY RISK ANALYSIS

MODULE 5: BUSINESS RISK ANALYSIS

MODULE 6: BALANCE SHEET AND INCOME STATEMENT ANALYSIS

MODULE 7: CASH FLOW ANALYSIS

MODULE 8: BORROWING CAUSE AND NEEDS ANALYSIS

MODULE 9: PROJECTING CASH FLOWS AND ESTABLISHING CREDIT LIMITS

MODULE 10: STRUCTURING CREDIT FACILITIES

MODULE 11: RISK RATINGS

MODULE 12: PREPARING CREDIT APPROVAL PACKAGES

MODULE 13: LOAN DOCUMENTATION AND LEGAL FACTORS

MODULE 14: LOAN MONITORING

APPENDICES