金融業(yè)風(fēng)險(xiǎn)案例匯編

1、 金融業(yè)風(fēng)險(xiǎn)案例匯編 金融業(yè)風(fēng)險(xiǎn)案例匯編 中恒國(guó)際租賃有限公司項(xiàng)目部 中恒國(guó)際租賃有限公司項(xiàng)目部 2012 2012 年 9 月六、貸款審查 六、貸款審查義務(wù)轉(zhuǎn)嫁企 務(wù)轉(zhuǎn)嫁企業(yè)副行長(zhǎng)違規(guī)放貸獲刑 長(zhǎng)違規(guī)放貸獲刑 ................................ ............................................................... .................

2、.............. 26 26 >風(fēng)險(xiǎn)點(diǎn) 風(fēng)險(xiǎn)點(diǎn) ................................ ................................................................ ................................................................ .......................

3、......................................... ........................................ ........ 26 26 >案件背景：支行副行長(zhǎng)因違法放貸 案件背景：支行副行長(zhǎng)因違法放貸 4000 4000 萬(wàn)獲刑 萬(wàn)獲刑 ................................ ..................................

4、............................. ............................... 26 26 >案件整理：支行協(xié)議將銀行貸款審查義務(wù)轉(zhuǎn)嫁企業(yè) 案件整理：支行協(xié)議將銀行貸款審查義務(wù)轉(zhuǎn)嫁企業(yè) ................................ ........................................................ ...........

5、............. 26 26 >風(fēng)險(xiǎn)源頭：銀行風(fēng)控體系多處漏洞及員工合規(guī)意識(shí)缺乏 風(fēng)險(xiǎn)源頭：銀行風(fēng)控體系多處漏洞及員工合規(guī)意識(shí)缺乏 ................................ ................................................ ................ 27 27 >管理建議：建立科學(xué)的銀行授權(quán)體系 管理建議：建立科學(xué)的銀行授權(quán)體系

6、................................ ................................................................ ................................................. ................. 28 28 七、銀行放 七、銀行放棄存單質(zhì)押貸款 存單質(zhì)押貸款業(yè)務(wù) 業(yè)務(wù)截防民間借 民間借貸風(fēng)險(xiǎn)轉(zhuǎn)嫁 風(fēng)險(xiǎn)

7、轉(zhuǎn)嫁 ................................ ................................................... ................... 30 30 >案例還原 案例還原 ................................ ........................................................

8、........ ................................................................ ................................................................ .................................... .... 30 30 >案例反思 案例反思 .................

9、............... ................................................................ ................................................................ ................................................................ .........

10、........................... .... 30 30 八、房地產(chǎn)信 八、房地產(chǎn)信托風(fēng)波 風(fēng)波起防范代 防范代理信托業(yè)務(wù)風(fēng)險(xiǎn) 信托業(yè)務(wù)風(fēng)險(xiǎn) ................................ ................................................................ ................................... ...

11、 32 32 >風(fēng)險(xiǎn)點(diǎn) 風(fēng)險(xiǎn)點(diǎn) ................................ ................................................................ ................................................................ ......................................

12、.......................... ........................................ ........ 32 32 >背景介紹：銀監(jiān)會(huì)調(diào)查綠城房地產(chǎn)信托產(chǎn)品 背景介紹：銀監(jiān)會(huì)調(diào)查綠城房地產(chǎn)信托產(chǎn)品 ................................ ..........................................................

13、...... ..................................... ..... 32 32 >風(fēng)險(xiǎn)提示：信托產(chǎn)品兌付 風(fēng)險(xiǎn)提示：信托產(chǎn)品兌付違約易引發(fā)商業(yè)銀行聲譽(yù)風(fēng)險(xiǎn) 違約易引發(fā)商業(yè)銀行聲譽(yù)風(fēng)險(xiǎn) ................................ ................................................ ................ 33 33

14、>延伸閱讀：房地產(chǎn)信托成為房地產(chǎn)商重要融資手段 延伸閱讀：房地產(chǎn)信托成為房地產(chǎn)商重要融資手段 ................................ ........................................................ ........................ 34 34 >高層參考：明晰業(yè)務(wù)定位再塑總分行管理架構(gòu)和機(jī)制 高層參考：明晰業(yè)務(wù)定位再塑總分行管理架構(gòu)

15、和機(jī)制 ................................ .................................................... .................... 35 35 >業(yè)務(wù)建議：具體開(kāi)展時(shí)要防范產(chǎn)品自身風(fēng)險(xiǎn)和代理層面風(fēng)險(xiǎn) 業(yè)務(wù)建議：具體開(kāi)展時(shí)要防范產(chǎn)品自身風(fēng)險(xiǎn)和代理層面風(fēng)險(xiǎn) ................................ ...........

16、............................ ....... 35 35 九、浙企“跑 九、浙企“跑路潮”回 潮”回流加強(qiáng) 加強(qiáng)非財(cái)務(wù)因素分 財(cái)務(wù)因素分析 ................................ ................................................................ ................................... .

17、.. 37 37 >風(fēng)險(xiǎn)點(diǎn) 風(fēng)險(xiǎn)點(diǎn) ................................ ................................................................ ................................................................ ...................................

18、............................. ........................................ ........ 37 37 >事件整理：政策暖風(fēng)吹起浙企“跑路潮”回流 事件整理：政策暖風(fēng)吹起浙企“跑路潮”回流 ................................ .....................................................

19、........... ................................. 37 37 >外部因素：外部經(jīng)營(yíng)環(huán)境惡化導(dǎo)致中小企業(yè)經(jīng)營(yíng)困難 外部因素：外部經(jīng)營(yíng)環(huán)境惡化導(dǎo)致中小企業(yè)經(jīng)營(yíng)困難 ................................ .................................................... .................... 38 38 &

20、gt;內(nèi)因分析：企業(yè)自身行為失范是問(wèn)題根源之一 內(nèi)因分析：企業(yè)自身行為失范是問(wèn)題根源之一 ................................ ................................................................ ................................. 39 39 >案例反思：提高非財(cái)務(wù)因素分析在貸款決策中的作用 案例反思：提高

21、非財(cái)務(wù)因素分析在貸款決策中的作用 ................................ .................................................... .................... 40 40 十、公路項(xiàng)目 十、公路項(xiàng)目化身融資平 身融資平臺(tái)加強(qiáng)路橋建設(shè)貸款 路橋建設(shè)貸款管理 管理 ................................ ...........

22、................................................ ........................... 42 42 >風(fēng)險(xiǎn)點(diǎn) 風(fēng)險(xiǎn)點(diǎn) ................................ ................................................................ ..........................

23、...................................... ................................................................ ........................................ ........ 42 42 >背景梳理：公路項(xiàng)目負(fù)責(zé)人被刑拘債權(quán)銀行追索貸款 背景梳理：公路項(xiàng)目負(fù)責(zé)人被刑拘債權(quán)銀行追索貸款 .......

24、......................... .................................................... .................... 42 42 >案例解密：巧用 案例解密：巧用財(cái)務(wù)科目騰挪資金財(cái)務(wù)報(bào)表釋放危險(xiǎn)信號(hào) 財(cái)務(wù)科目騰挪資金財(cái)務(wù)報(bào)表釋放危險(xiǎn)信號(hào) ................................ ......................

25、...................... ............ 43 43 >案例分析：集團(tuán)項(xiàng)目公司的關(guān)聯(lián)交易放大信貸風(fēng)險(xiǎn) 案例分析：集團(tuán)項(xiàng)目公司的關(guān)聯(lián)交易放大信貸風(fēng)險(xiǎn) ................................ ........................................................ ........................ 44 44 十一、買(mǎi)入