銀行信貸政策指引

1、XX XX 銀行ⅩⅩ年信貸政策指引 銀行ⅩⅩ年信貸政策指引 XX 銀行 2015 年信貸政策指引1目 錄第一部分 第一部分 經(jīng)營環(huán)境與形勢變化 經(jīng)營環(huán)境與形勢變化......................................................... .........................................................1第一章 經(jīng)濟(jì)金融的新常態(tài) ........

2、.............................................................................................................1一、宏觀經(jīng)濟(jì)新常態(tài).....................................................................................................

3、...............1二、國內(nèi)經(jīng)濟(jì)新形勢....................................................................................................................2三、金融行業(yè)新常態(tài).....................................................................

4、...............................................5四、銀行業(yè)的新常態(tài)....................................................................................................................7第二章 大連市經(jīng)濟(jì)環(huán)境 .................................

5、....................................................................................11一、大連市經(jīng)濟(jì)發(fā)展特點(diǎn)..........................................................................................................11二、大連市經(jīng)濟(jì)發(fā)展趨勢....

6、......................................................................................................12第三章 信貸業(yè)務(wù)機(jī)遇與挑戰(zhàn) .....................................................................................................

7、........14一、2014 年信貸業(yè)務(wù)發(fā)展現(xiàn)狀.................................................................................................14二、信貸業(yè)務(wù)發(fā)展機(jī)遇.....................................................................................

8、.........................17三、信貸業(yè)務(wù)發(fā)展面臨挑戰(zhàn)......................................................................................................19第二部分 第二部分 ⅩⅩ ⅩⅩ年信貸政策總體策略 年信貸政策總體策略..........................................

9、.......... ....................................................22 22第一章 總體指導(dǎo)思想 .........................................................................................................................22一、指導(dǎo)思想...........

10、...................................................................................................................22二、指導(dǎo)原則.................................................................................................

11、.............................22三、發(fā)展目標(biāo)..............................................................................................................................23第二章 主要政策導(dǎo)向 ...........................................

12、..............................................................................23一、行業(yè)政策..............................................................................................................................23二、區(qū)域政策

13、..............................................................................................................................26三、客戶政策......................................................................................

14、........................................32四、產(chǎn)品政策..............................................................................................................................40五、其它政策......................................

15、........................................................................................46第三章 風(fēng)險(xiǎn)管理要求 ......................................................................................................................

16、...49一、風(fēng)險(xiǎn)管理工作重點(diǎn)..............................................................................................................49二、風(fēng)險(xiǎn)管理工作要求...................................................................................

17、...........................50第三部分 第三部分 ⅩⅩ ⅩⅩ年大連市重點(diǎn)行業(yè)信貸政策 年大連市重點(diǎn)行業(yè)信貸政策.............................................. ..............................................52 52第一章 ⅩⅩ年裝備制造行業(yè)信貸政策指引 ...............................

18、......................................................52一、行業(yè)范圍界定......................................................................................................................52二、行業(yè)發(fā)展現(xiàn)狀及趨勢.........................

19、.................................................................................52三、行業(yè)經(jīng)營特點(diǎn)......................................................................................................................59四、行業(yè)風(fēng)險(xiǎn)分析.

20、.....................................................................................................................72五、行業(yè)金融需求及介入方式........................................................................................