信贷业务风险分析报告.docx

信贷业务风险分析报告第五章公司、个人、同业主要资产业务的风险关键点.................1 第一节公司业务...................................................................................................................2一、授信、贷款类............................................................................................................................2二、贸易融资类................................................................................................................................7三、担保、承诺类..........................................................................................................................24四、其他业务..................................................................................................................................41 第二节个人业务.................................................................................................................54 一、一手住房(商用房)贷款..........................................................................................................54二、二手住房贷款......................................................................................................62三、住房转按揭贷款..................................................................................................64四、汽车消费贷款..........................................................................................................................66五、综合消费贷款..........................................................................................................................68六、个人经营贷款..........................................................................................................................69七、个人质押贷款..........................................................................................................................70 第三节同业及资金业务.....................................................................................................72一、投资及资金业务......................................................................................................................72二、交易和做市业务........................................