第一篇：HND《個人與商業信貸》

1.Principles of loan: CCCPARTS(characteristic, capacity, capital, purpose, amount, repayment, security)Characteristic: How the borrower characteristic is, whether there is a bad record, whether there is a business with the bank, how income of borrowers, whether stable.Washington with the bank's have 12 years of economic exchanges, and to the sister paper he had no any bad record, indicating that he is worthy of trust in personality.Capacity: The amount of repayment to the lender, whether the lender or other liabilities.For example, a person needs loan of ￡200000, but he has other ￡100000 debts, so he does not have sufficient capacity to repay the debt.Washington works in a construction company, he has a relatively high income, he wanted a loan of ￡25000 now, the number is not a lot, with his repayment ability, he can repay these loan in short term, there is not any risks for bank.Capital: The lender now has a number of funds, these include deposit, real estate values, with bonds, has the value of the stock, debt value for borrowers, lenders on existing assets appreciation of space.Washington existing value ￡75000 of property, but the future appreciation of the space is not clear, he in the bank has ￡15000 deposit, which can reduce the number he need a loan, he now holds part-time 40000 pounds, but he did not say the stock market.In summary, loans to Washington still has a certain risk.Purpose: The whereabouts of the loans, whether the lender's loan purpose is reasonable, there is no risk.Such as a man loans from bank to do investment on share market, the loan purpose is not reasonable, because the stock a lot of uncertainty, and banks to take risks for investors, and ultimately gain but not belonging to the bank.Washington in this money is only to decorate their homes and it is no a large amount, his purpose of loan is reasonable.Amount: The number of lenders need loans, as well as the number of loans they can.Like a person with higher credit limit, it can loan ￡100000, and he only need to borrow ￡40000, the number of loans is acceptable.Washington has a stable job and income, ￡75000 worth of property, ￡40000 worth of stock, and good credit records.It can loan a considerable amount of money, the number of 25000 pounds can be accepted by the bank.Repayment: If the loan repayment is stable, legitimate.Ways of paying is reasonable.For example, a self-employed people, his source of repayment is not stable, so he can not meet the requirements of the bank.Terms: whether the lender expects repayment period can be accepted, the higher the longer term interest, but the banks bear the risks will also increase.The shorter the period, the smaller the risk, but the has fewer bank' s profits.Like a person to bank loans for a period of up to 20 years, banks can derive a lot of interest, but if the lender refuses repayment, banks will suffer a loss.Security: Whether lender has any assets as mortgage, whether the asset is done any other mortgage before.Such as lenders have mortgage the house, but he used the house now loans as collateral, the bank must consider the appropriateness of the mortgage.2.A good security: Simplified application process: For consumers to apply for guarantee the process is relatively simple, and both sides of the need to pay the fee is relatively low.If guarantee application process is too complex will delay the consumers borrowing time, exorbitant fees would rush warranty costs.Stable value: The collateral must remain stable value from beginning to end, this will affect the role of collateral in the collateral in the process.So before the guarantee must be an accurate assessment of the value of the collateral, and to ensure that in the next period of time the collateral remains its original value.There are a lot of uncertainties in the value of company's stock, land, housing, their value is not constant.Liquidity: when a lender has repayment problems, he needs to sell assets, and release the guarantee, the lifting of the guarantee of the time spent longer, the greater losses for banks.Good collateral can quickly relieve the guarantee, and can be turn into cash as soon as possible.3.Several types of security: Heritable security, life assurance, stock and shares, cash, goods, guarantees.Stock and shares which issued by government, local authorities, and companies.Advantages: Stock and shares are easy to measure the value.Stock and shares are easily to turn into cash.Some shares could remain stable value.Disadvantages: there is an uncertainty of value, the value could be raise or fall in the future.Some company set rules to avoid shareholder to use their stock as security.Guarantees help people who do not have assets as security.Guarantees are easy to take, Guarantees do not have to check the title of property for borrowers.If borrowers have additional security, it could strength the guarantee.If the borrower failed to repayment after the contract period, they will pay expensive premium.For example, Peter wants loans from the bank, but he does not have any security;The guarantee helps Peter’s loan planning, he could receive loans through guarantees;However, if he could not repay the debt, he will pay for a heavy cost.4.Several business lending products: Buying outright, business overdrafts, term loans, factor and invoice discounting.Buying outright helps the company buy assets.The company completely have the ownership of the property.The agreement is very flexible and east to arrange withdraw ant time.For credit side, when the interest falls in the future, the company have to pay higher interest rates.The company have to pay the full cost of the property, they could not spare these money to do other business activities.The company takes all risks for the property.The company takes the maintenance of the property.Business overdrafts allows the company to have a sum of overdraft.These overdrafts could solve financial problems.The facilities in company are payable for debts.The business only to have pay the interest from the beginning of the overdraft.For example, a new factory is planning to buy machinery, but they have shortage on finance, they could use business over drafts to solve the problem, and the interest will be calculated since the date they apply these loans.Term loans can be pay for shorter-term or longer-term assets.For example, ABC company is planning use term loan to buy some computer device for management department, the loan is the shorter-term.Factoring and invoice Discounting, when the contract was reached an agreement both buyer and seller, the sell receive the money at one, they do not need to wait for the time when customer started to transfer the money.For example, Black Forest Ltd was reached an agreement with its customer, with factoring and discounting, the company could receive the money immediately, they do not need to wait their customers for payments.5.Commercial lending is quiet different from personal lending, commercial lending needs more steps, the borrower must provides business plan, the lender must visit the company to know more about the borrower.Business plan.It is an important fact whether the lender decided to lend money to the company.It records the company current situation and future direction.The business plan includes executive summary, market analysis, company description, organization, marketing strategy, service and product, funding requirement.Executive summary: it is an important part of business plan, it described the purpose of loan, the planning time of business, the function of company’s departments.Business structure:

第二篇：HND個人及商業信貸

SAMPLE INSTRUMENT OF ASSESSMENT

CASE STUDY

This Case Study should be provided to candidates 7-10 days prior to the assessment date.A copy of the Case Study should be provided to each candidate on the date of the assessment along with the questions.All questions must be answered.You are the manager of the West End branch of the Bell Bank plc.Your branch has been asked to train Michael Samuels, a new Graduate Management Trainee.Michael has a degree in Architecture from Glasgow University but has decided that a career in financial services would be more challenging.Michael has now been with you for two weeks and has shown a keen willingness to learn.You have encouraged this willingness to learn by allowing him to sit in during some of your interviews with your customers.You have suggested that Michael take notes during each interview and then use these notes to ask you questions relating to each of the interviews.Michael has sat through four interviews.Some of the material facts relating to each interview are provided below.Interview 1

John and Mary McCusker have been customers of your branch for 18 years.You have got to know the McCuskers quite well during your three-year stay at the West End branch.John earns ￡35,000 per year from his job as a Quantity Surveyor and Mary earns ￡21,000 per year from her job as a Nurse.The McCuskers have three children aged 14,12 and 10.The two youngest children have always shared a bedroom but the McCuskers now feel the time is right to move to a larger house to give all three children their own bedroom.You had agreed at an earlier interview to provide a capital and interest mortgage facility for ￡120,000 over 20 years, and the McCuskers have since purchased a new four-bedroomed house in Hamilton for ￡175,000.Their existing home in Lanark has been sold for ￡120,000 and the McCuskers have ￡40,000 outstanding on their current mortgage loan.The McCuskers have now identified a problem in that they have arranged to move into their new home on 10 May but their buyers will not settle on their old home until 4 June.Michael Samuels is curious to learn what process you used to decide upon the mortgage facility that you agreed to provide the McCuskers, and to learn what you intend to do to help the McCuskers overcome their new problem.Interview 2

You discussed providing a term loan of ￡80,000 over 15 years to your commercial customers, Albion Tyres Ltd.Mark and James Thomas, a father and son, run the company, which has traded successfully for 8 years.Mr Thomas, Senior is 52 years of age and his son is 28 years of age.The business employs four members of staff, three of whom are tyre and exhaust fitters, and one of whom deals with office administration.One of the fitters also deals with matters relating to brake and suspension repairs, a part of the business that accounts for around 15% of the overall turnover.The company’s existing premises are now too small for the business and they have identified new premises in the centre of town that would suit their purposes.It is expected that by moving into the centre of town that their turnover and profits should increase by around 20% per annum.The company has produced a substantial and impressive business plan, including a cash flow forecast that shows that the business should be able to comfortably meet the new commitments.The business plan has also incorporated the last three years’ accounts.You have asked the Thomas’ to allow you time to examine the information in the accounts before confirming your decision.Interview 3

You arranged an appointment with your business customer, John Thomson, to discuss some concerns that you have been having with the operations of his business account.You have now made some suggestions to Mr Thomson to help him to regularise his financial position.Michael Samuels is somewhat confused as to how you were able to identify that there were problems with the operations of the business in the first place.QUESTIONS

All questions must be attempted.1.Following the interview with the McCuskers, Michael has asked you to explain to him the the most appropriate loan facility that would help the McCuskers overcome their current problem.Summarise the main features of this loan facility,and calculate the level of borrowing required by the McCuskers.2.Michael is curious to ask for you about the principle.please introduce the main ideas of the principle of lending.3.You have spent time with Michael showing him how to calculate various ratios from the accounts that Albion Tyres have provided.The following ratios have now been calculated:

Ratio

Year 2001 Year 2003 Year 2004

Current Ratio 2.4:1

2.6:1

2.8:1 Liquid Ratio

0.5:1

0.8:1

1:1 Gross Profit % 56%

58%

57% Net Profit %

23%

21%

20%

Explain to Michael how each ratio would have been calculated and how these figures might be interpreted from a lending viewpoint.4.Michael is curious to learn how you can get the information for loan decision making.Summarize the difference between annual accounts and management accounts.5.Michael was quite impressed that you were able to identify from John Thomson’s business accounts that his business was ‘getting into trouble’.6.Explain the meaning of creative accounting and measures to identify it.7.Explain to Michael how the figures of stocks and debtors items in balance sheet to might be interpreted from a lending viewpoint.

第三篇：個人信貸HND考試

個人信貸

1.The principles of lending—PARSERS 1)Personal aspects Character—there is an interview between borrower and lender, the lender will ask some question to confirm the honest and reliability of the borrower.Capital—the amount of capital or finance provided by the borrower that may suggest the level of the owner’s commitment to the purpose of the loan.2)Amount and Purpose of loan

The lender must ensure that the propose of the loan is acceptable.3)Repayment method and timing It should be ensure the borrower use what methods and the time of paying the interest and capital repayment.4)Safety margin and security All lending carries an element of risk because repayment is in the future and no one can be certain of the future.The ultimate risk to be guarded against is the borrower’s bankruptcy and, should the advance be for more than the unsupported credit justifies security should be taken.5)Expediency

Specific circumstance must be concrete analysis.6)Remuneration—interest, Fees and Commissions

Lending is the most profitable part of a bank and building society’s business.The lender profits from loans through the interest which the majority of the earnings will normally come from the interest earned on the overdraft or loan, and commission which may be possible to generate one-off payments via facility frees.7)Services Most institution target employees in relation to the selling of other non-lending product.These will often be life insurance products that can generate a fee related to the premium.2.Personal lending products Personal loan(P:78)Person loan is kind of medium-term borrowing.Advantage ? Personal loan usually available for sum of ￡500 to ￡2500, and it can be arranged for six months to ten years.? Personal loans are always unsecured.? Personal loan can be arranged to cover most purpose such as car purchase.? The interest rate of the personal loan is fixed at the start of loan period.? The interest of loan is higher.3.房屋抵押：

第一步：評估房子，由第三方來評估（P:45）

Firstly, the property should be valued its market value, and the lender will require a reinstatement value of the property.All the process of value the property should be completed by third part.第二步：確認房子的所有權

Secondly check the ownership of the house.It is very important because if the borrower cannot pay the mortgage, the lender will confiscate the property as punishment.At the end of loan, the title to the property will be return to the borrower.第三步：完成標準抵押（completing the security P:46）

Thirdly, a lender will need to instruct solicitors to act in the preparation and completion of the security.第四步：去管理局注冊

Finally, go to the related authority register and the bank will bank will become the first right to dispose of the house.4.計算題

1)Current ratio

2)Quick ratio

3)Net profit ratio

4)Gross profit ratio

5)Gearing

6)Debtor ratio

5.Security The standard security(P:39)A standard security is the method used to secure any asst that is classed as a heritable security.Advantage ? Property price increase is stable, bank are willing to take in the property as security.? The title of the property is clearly, the potential problem is small.Disadvantage ? It is hard to sell the property, so the cashability is low.? There are substantial costs involved in taking these securities and these cost have to be passed in to borrower.Stock and shares(P:65)Most shares that are used as security are quoted on the London Stock Exchange.Advantage

? The cashability of the stock and share are strong.It is easy to sell the shares and stocks ? It is easy to transfer the title of stock and shares.Disadvantage

? Value of the stock and shares are fluctuating.? There may be restrictions by private companies on whom shares can sold to, and at what price.6.Warning signs ? There is an unexpectedly increase of the turnover on the account, it means this could suggest overtrading.? There is a decrease of the turnover on the account;it could suggest a downturn in trading.? The direct debts an new standing orders being issued by the borrower, it may suggest additional borrowing facilities are being obtained from other lenders ? If the company stops to pay its check, it may suggest the company don’t want to paying the check or delay paying the check.? The company have a overdraft excesses which one is unauthorized ? The company demand more overdraft limit.

第四篇：信貸個人工作總結

信貸個人工作總結

“路漫漫其修遠兮，吾將上下而求索”，這句屈原的詩歌用在我身上是很恰當的，我在信用社工作了很多年了，雖然工作的任務和我早都知道了，可是我還是覺得自己學的還是不夠，還要認真努力的工作。

在過去的一年中，我做的還是不錯的，雖然“天將降大任于斯人也，必先苦其心志。勞其筋骨，餓其體膚，行拂亂其所為”，但是我經受住了這些考驗，我在工作中達到的一定的高度。

2017年，在聯社信貸科與信用社領導的關心及全體同志的幫助下，我認真學習業務知識和業務技能，積極主動的履行工作職責，較好的完成了本的工作任務，在思想覺悟、業務素質、操作技能、優質服務方面都有了一定的提高。現將本的個人工作總結如下：

一、精誠團結，為提高經營效益盡心盡力。

一年來，我與同事們能搞好團結，服從領導的安排，積極主動的做好其他工作，為全社經營目標的順利完成而同心同德，盡心盡力。

1、勤勤懇懇的完成領導交辦的其他任務，除做好本職工作外，我還按照領導的安排做好其他工作，如每天的上門收款，旺季時深入到學校代收學費等，都能夠與大家一起協調好，共同完成任務。

2、千方百計拉存款，我經常利用業余時間走親串朋動員儲蓄存款，為壯大信用社實力不遺余力，全年共吸儲xx多萬元，較好的完成了信用社下達的任務。

3、積極主動的營銷貸款，我不斷強化貸款營銷意識，破除“懼貸”的思想，尋求效益好的貸戶，在保證信貸資產質量的前提下，主動做好貸戶的市場調查，對于那些有市場、講信用的個體工商戶給予信貸支持，全年累放貸款xxx多萬元，年底余額xxx萬元，無一筆逾期。

二、加強學習，努力提高政治與業務素質。

一年來，我能夠認真學習建設具有中國特色社會主義的理論，自覺貫徹執行黨和國家制定的路線、方針、政策，具有全心全意為人民服務的意識。能遵紀守法，敢于同違法亂紀行為作斗爭，忠于職守、實事求是、廉潔奉公、遵守職業道德和社會公德。

認真學習了“三個代表”精神，能較好的理解了“三個代表”精神的，在“三個代表”學習過程中，能及時的發現存在的問題及對“三個代表”精神領悟不透的地方并及時加強學習，予以改正，使我在思想覺悟方面有了一定的進步。

同時，利用工余時間認真學習金融業務知識，不斷充實自己的工作經驗，對于聯社下發的各種學習資料能夠融會貫通，學以致用，業務工作能力、綜合分析能力、協調辦事能力、文字語言表達能力等方面，都有了很大的提高。

三、履行職責，踏踏實實的做好本職工作。

我熱愛自己的本職工作，能夠正確認真的去對待每一項工作任務，把黨和國家的金融政策及精神靈活的體現在工作中，在工作中能夠采取積極主動，認真遵守規章制度，能夠及時完成領導交給各項的工作任務。

1、提高工作質量，及時準確的做好信貸基礎資料的管理。

搞好信貸基礎資料的記載、收集、管理，是信貸內勤重要的工作之一，這項工作即繁瑣又重要，需要經常加班加點來完成。我堅持做到了當天帳務當天處理完畢，從臺帳、分戶帳，到插卡、抽卡;從銷帳、記息，到登記貸戶經濟檔案，全部核對從不過夜。

2、嚴格規章制度，把好信貸資產質量的第一道關口。

作為一名信貸內勤，我深感自己肩上的擔子的分量，稍有疏忽就有可能出現信貸風險。因此，我不斷的提醒自己，不斷的增強責任心。

針對城區居民集中，貸款戶身份證容易使用混亂的狀況，我建議領導將貸戶的證件按申請先后順序登記名字、號碼后，在城區信用社全部核查，確定無貸款后再辦理手續。

一年來無論是炎熱的夏季，還是寒冷的冬天，我堅持到其他信用社核查，對于多戶貸款者、壘大戶者堅決不予辦理。同時，為了更好的把關守口，我還通過關系，向有關單位的同志，學會了真假身份證的辨別能力，只要是假的證件，我一眼就能辨別出來，從而把好了信貸資產質量的第一道關口。

3、堅持信貸原則，做好貸款的審查。

我深知：信貸資產的質量事關信用社經營發展大計，責任重于泰山，絲毫馬虎不得。

一年來，我堅持貸款的“三查”制度和聯社制定的信貸管理制度，對每一筆貸款都一絲不茍地認真審查，從借款人的主體資格、信用情況、生產經營項目的現狀與前景、還款能力，到保證人的資格、保證能力，抵、質押物的合法有效性;從庫存的檢查、往來賬目的核對到房屋和設備的實地考察;從資產負債情況的計算、產銷量和利潤的分析到經營項目現金凈流量的研究、貸款風險度的測定，直至提出貸與不貸的理由，每一個環節我都是仔細審查，沒有一絲一毫的懈怠。

在貸前審查時，我做到了“三個必須”，即貸款條件必須符合政策、貸款證件必須是合法原件、貸款人與保證人必須到場核實簽字，并且做到生人熟人一樣對待，保證了貸款發放的合規、合法。

回顧一年的工作，自己感到仍有不少不足之處：

1、只是滿足自身任務的完成，工作開拓不夠大膽。

2、業務素質提高不快，對新的業務知識學的還不夠、不透;

3、本職工作與其他同行相比還有差距，創新意識不強;

一年來，本人在支行黨組的領導下，按照黨員領導干部的標準嚴格要求自己，堅定政治信念，加強政治理論、法律法規、金融知識學習，轉變工作理念，改進工作作風，堅持廉潔自律，自覺遵紀守法，認真履行職責，以實際行動實踐“三個代表”。

本人分管、協管的股室較多，工作范圍廣、任務重、責任大，由于本人正確理解上級的工作部署，堅定執行黨和國家的金融方針政策，嚴格執行支行的規章制度，較好地履行了作為行政職務和作為專業技術職務的職責，發揮了領導管理和組織協調能力，充分調動廣大員工的工作積極性，較好地完成了分管和協管股室全年的工作任務。

在新的一年里，我將努力克服自身的不足，在專業科和信用社的領導下，認真學習，努力提高自身素質，積極開拓，履行工作職責，服從領導。當好參謀助手，與全體職工一起，團結一致，為我社經營效益的提高，完成將來一年的各項目標任務作出自己應有的貢獻。信貸個人工作總結

我原是xx郵電支行下面的一名普通營業員，自轉崗信貸工作僅半年，調查貸款客戶達40位，成功放款20筆，發放貸款達93萬元，而且所有貸款均屬于正常類貸款。自在信貸路上從零開始的艱辛跋涉。我認為有以下幾點體會;

面對一個全新的崗位，開始我還真有些膽怯。從19xx年參加工作以來，本人一直在郵政儲蓄一線做柜員，基本上是坐等客戶上門。而新的崗位需要三天兩頭跑到客戶家中，實地了解客戶的基本情況、經營信息，調查掌握客戶的貸款用途、還款意愿，分析客戶的還款能力。這些對于不善與人交流的我來說，實在是太難了。起初的一個月里，我總在心里想，把錢放出去還不上怎么辦?有時打起了退堂鼓，覺得還是繼續干老本行比較好。

支行領導了解到信貸員們的普遍心態后，及時和大家座談，讓大家解放思想，放下包袱，說：“還沒干就不要輕易否定自己，你們一定會慢慢地喜歡上信貸這個崗位的。”領導的耐心開導和對發展前景的描繪，使大家對自己的工作漸漸鼓起了勇氣。思想顧慮消除了，整個隊伍開始有了活力。我和大家一樣，也受到了很大鼓舞，下定決心從零開始學起。

通過專業化的培訓和自學，漸漸地掌握了小額貸款業務和操作流程。

通過支行前期的大力宣傳，陸續有一些有需求的客戶開始上門咨詢，我也迎來了第一位貸款客戶。那天，我懷著復雜的心情，與另一名同事坐了一個半小時的公車來到了xx村。這位客戶是個農戶，有十多年的養殖歷史，對市場非常了解。在客戶家，我作了自我介紹后，便開始按培訓時要求的調查順序逐項詢問。由于是第一次與客戶進行“營銷”交流，加上對xx行業了解不夠，心里很緊張，問了不到20分鐘，客戶突然說：“我不貸了，你們走吧，不就是從你們郵局貸點款嘛，跟審犯人似的。”我見狀，趕忙解釋，可這位農戶就是不再配合了。無奈，我與同事掃興而歸，第一次營銷就此“流產”。

回去的路上，我翻來覆去地回憶剛才的場景，又問同事的感受是什么。經過分析，我找到了答案：問題不在客戶，完全是自己根本不會跟客戶交流，不懂對方的需求和困難所在才造成了尷尬局面。

捫心自問，如果總是這樣不善于與客戶交流溝通，以后誰還敢來找我貸款?不行，必須改，從頭練!從此，每天上班后就和同事們一起上街作宣傳，與小商戶們聊天，練習介紹貸款業務;下班后還走親訪友，介紹郵儲小額貸款，把他們當成練習對象。功夫不負有心人。現在我自認為交流技巧有了很大提高。辛勞踏出豐收路

郵儲小額貸款如何融入當地經濟，成了支行信貸工作的重要突破點。我們調查得知：。

開發信用村將是支行以后的重點發展客戶，深入了解掌握農戶的經營情況和規律，盡快了解行業，是自己的首要任務。通過親戚找到幾戶農戶，與同事一起實地去了解情況。時間一長，漸漸地習慣了這種工作。

半年的工作業績雖然不理想，但我深感自己的工作離不開領導和信貸部團隊對我的關心和支持;同時，更感激一直默默無聞在背后支持我工作的家人。我要用“舍小家顧大家”的敬業精神，努力工作爭起做一名合格的郵政銀行信貸員。信貸個人工作總結

大學畢業到現在已經幾年了，畢業以后我就考取了銀行的工作，來到我們的農商行。時間悄然走過，今年我成為了農商行的一名客戶經理，做信貸工作的日子已經有了差不多10個多月，感觸甚多。在剛開始的時候我并不熟悉我的工作，還好我認真努力的工作，積極的熟悉我的工作業務。現將本的工作總結如下：

首先談談我個人的工作態度，這份工作是我大學畢業后的第一份工作，因此我視其如寶。從培訓到工作這段時間里，常常聽到很多人說這份工作太辛苦、太勞累，但出于多這行的熱愛，我也咬牙堅持了下來。有人說工資太低，而我眼光不會那么膚淺，我看到是未來的舞臺而不是現在的待遇，況且進行后發現工資待遇也不錯。現在我真的特別喜歡這份工作，因為在這里我可以看到實現我人生的價值和夢想。

在工作過程中，我發現這份工作單單不是放款收款那么簡單而容易，而是要自己所要學習的東西還有很多很多。比如：做過一件事，總會有經驗和教訓。為便于今后的工作，須對以往工作的經驗和教訓進行分析、研究、概括、集中，并上升到理論的高度來認識。第一、要學會看人，要學會看企業狀況。因為我們是做貸款，如果你第一步看錯了，以后收貸款的時候說再多的好話，恐怕都很難達到你預期的效果。收款最怕的就是這種有錢但不愿意還的人，而不是實在沒有錢沒有辦法還的人。

第二、要學會培養客戶、留住客戶，但更要記住“打江山容易守江山難”這句話，我們不僅要在原有的基礎上開發新客戶，但更要要老客戶維護好，老客戶往往會給你有“意外”的驚喜。

打下的“江山”我們必須要想到以后如何地守住“江山”。貸戶是人，人是有感情的，當他們成為我們的顧客時，我們要用真誠的心對待他們，在他們有困難的時候我們幫助他。我們要努力成為他們的“知心朋友”，要是做到這點那么這客戶你是就放心。我們農商行就有我們這批人，有像我們這樣走進村村戶戶農家服務，將金融便利帶進園區，處處為客戶著想。第三、要學會管理。我們的客戶多了，如果你沒有很好的管理能力，那么你的問題就來了，問題煩到你心煩、郁悶。首先你得學會合理分配你的時間，這樣你才能更好地工作。雖然你的時間是為貸戶而定，而貸戶是很多，你不可能滿足所有貸戶，那么我們就得學會如何管理好自己的貸戶。還有一個，你必須學會管理賬目，因為我們做的金融業務涉及是錢的問題，而人們對錢是最嚴肅和認真的。我們不能馬虎、不能大意，我們要認真管理好自己的賬單對貸戶負責、對農商行負責、更是要對自己負責。

第四、要學會做人。

“要學會做事，先得學會做人”其實這句話是非常有道理。如果你不會做人，那么你就不會做出更好的事情。因為你做事時，首先面對的是人，當你進入一個公司你不能馬上適應你的工作環境、你的人際關系，何談做出更好的事。我們首先必須在自己所在的農商行跟老員工溝通好，處理好人際關系，做到天天上班都是懷著愉快的心情、帶著積極向上的精神風貌，做到農商行就是我家，到農商行就像回到自己溫暖、和諧的家里一樣幸福快樂。面對顧客時，我們更好做好自己本職的工作，展現自己優秀的服務態度、專業素質，做到貸戶和自己是親如一家人。還有我們要學會時常回訪客戶。我們的業務不是放出貸款就完了，而是要收回貸款，那么我們就要保持和貸戶有良好的聯系，有著他們的最新收成信息、有著他們的思想動態，這樣我們就不會被動。如果做好這些工作那么我相信業務量會直線上升，以后的回收率更是百分之百。

第五、要熟知專業知識。

1、在領導指導下，明確了工作的程序、方向，提高了工作能力，在具體的工作中形成了一個清晰的工作思路。在成為一名信貸員后，我本著“把工作做的更好”這樣一個目標，開拓創新意識，積極圓滿的完成領導分配的各項工作，在余限的時間里，加強學習業務工作，為下一步工作打好基礎。明確努力方向，提出改進措施。

作為一名信貸員，深地感到肩負重任，自己的一言一行也同時代表了我行的形象，所以更要提高自身的素質，高標準的要求自己，加強自己的專業知識和技能。

2、認真、按時、高效率地做好行里所交辦的具體工作。為了工作的順利進行及與各支行之間的工作協調，除了做好本職工作，積極配合本行其他同事做好工作。

3、工作態度和勤奮敬業方面。要熱愛自己的本職工作，能夠正確認真地對待工作的每個細節，熱心為農民服務，認真遵守勞動紀律，保證按時出勤，堅守崗位。

總結了這10多個月來的工作，盡管有了一定的進步，但在很多方面還存在著不足。比如有創造性的工作思路還不是很多，個別工作做的還不夠完善，業務類客戶資料太少，這有待于在今后的工作中加以改進。在以后的日子里，我將認真學習各項政策規章制度，努力使工作效率全面進入一個新水平，為農商行的發展做出更大更多的貢獻。

第五篇：個人信貸調查報告

個人信貸調查報告

撰寫調查評估報告的思路及其意義

無論是銀行貸款還是企業融資，撰寫調查評估報告是非常重要的一個環節，其意義并不僅僅在編寫文字的本身，而是通過撰寫此報告書向對方傳遞一個項目存在和可信性價值的信息。因此，作為銀行的客戶經理，實質上扮演的是一個投資銀行中項目經理的角色，其本質上的區別是被動地服務和主動地引導。作為項目經理不僅需要具備良好的金融素養，還需要掌握企業運營的基本規律，對產品和市場有敏感的判斷，這些都將成為每位項目經理對項目進行調查的重點，也會在報告書中反應出來，以便為決策者提供判斷的依據。從金融

本身來講，資金的安全性是第一位的，其次才是回報率，這也就是我們為何需要通過抵押、擔保、保證等手段來作為貸款的必要條件。但僅有上述條件并不能就說明項目的本質，這也就是調查報告的另一層意義，通過調查，我們需要確切掌握企業的情況如何，簡單來講，也就是我們需要了解融資的企業是不是賺錢，如何賺錢！

編制調查評估報告大致可由如下方面構成：

1.項目概要

這是最重要的一部分。概要部分需要把重要的所有信息匯集起來，一般要包括：機構的背景信息、使命與宗旨；項目要解決的

問題與解決的方法；項目申請方的能力和以往的成功經驗，等等。

2.項目背景、存在的問題與需求

在這一部分，需要詳細介紹存在的問題以及為什么要設計這個項目來解決這些問題。要充分地說明問題的嚴重性

與緊迫性，最好能提供一些數據，這樣不但可以充分地說明問題，同時還能表明你對這一項目的了解。要說明項目的起因、邏輯上的因果關系、受益群體及其與其它社會問題之間的關聯等。

一般來講，這一部分包括以下主要信息：

* 項目范圍；

* 導致項目產生的宏觀與社會環境；

* 提出這個項目的理由與原因；

* 其它長遠與戰略意義；

3.目標與產出

在這一部分中要詳細地介紹項目計劃、項目的總體目標、階段性目標與任務，以及各目標的評估標準。總體目標是一個長期的、宏觀的、概念性的、比較抽象的描述。由總體目標可以分解成一系列具體的、可衡量的、可實現的、帶有明確時間標記的階段性目標。對目標的陳述一定要非常清楚。最重要的是，制定的目標要切合實際。在項目完成報

告里看到的是：項目實際上實現了這些既定目標。

4、受益群體

在這一部分中，要對項目的收益群體做一個更加詳細的描述。有必要時，還可以把收益群體分為直接受益和間接收益群體。比如一個殘疾人服務機構，其直接收益群體是殘疾人群，間接收益群體則是他們的家庭，甚至是整個社會。

5、解決方案與實施方法

這里需要介紹如何達到目標，即采用什么方法、開展什么活動來實現這些目標。

在說明方法時，要特別說明這種方法的優越特性。可以同時列舉出其它相關的方法，并對它們進行比較，還可以引用專家的觀點和其它失敗或成功的案例，等等。總之，要充分說明選擇的方法是最科學、最有效、最經濟的。同時，也要說明機構在采用這種方法時，也存在一定的風險與挑戰。

此外，還要提到為了執行這一解決

方案，都需要那些條件與資源，包括：誰？在什么時候？使用什么樣的設備？做什么樣的事情？做這些事情的人要具備什么樣的能力與技能等。最好能在附件中詳細描述一下主要工作崗位的職務要求。

6、項目進程計劃

在這一部分中，要詳細地描述出各項任務的先后順序以及起始時間。可以用一個帶有時間標記的圖表來表示，這樣，就可以一目了然地告訴我們融資企業“在什么時候做什么”，以及各項活動之間的關聯與因果關系。

7、項目組織架構

在這一部分中，要描述為了達成上述目標，需要什么樣的執行團隊和管理結構。執行團隊應包括所有項目組成員：志愿者、專家顧問、專職人員等。他們與這個項目相關的工作經驗、專業背景、學歷等也非常重要。執行團隊的經驗與能力往往在很大程度上決定了項目的成敗。

另外，還要明確項目的管理結構。應該明晰地寫出項目總負責人、財務負責人及其它各分項目的負責人。如果是兩個或多個機構合作完成一個項目，還要說明各機構的分工。

工作流程也要很清楚，要說明各項工作的先后順序、邏輯關系等。

8、費用、預算與效益

這一部分所要提供的決不僅僅是一個費用預算表，而是要敘述和分析預算表中的各項數據、總成本與各分成本，包括人員、設備的費用等。其中，人員經費類別可以包括工資、福利和咨詢專家的費用；非人員經費類別可以包括差旅費、設備和通訊費等。如果已經有了

一部分資金來源，也要注明。而且，要很明顯地寫出你還需要總數為多少的經費上的支持。

上面提到的是投入，還有一個很重要的部分是產出的效益。另外，與項目相關的財務與審計方法也要在這部分中提到。

9、監控

監控是項目實施過程中非常重要的部分，不僅是銀行機構進行監控，企業內部監控的執行機構與人員、監控任務等都應該寫在項目計劃中。項目的實施方法是資助方評判是一個非常重要的因素。

監控報告應該包括：項目的進展與完成情況、原定計劃與現實狀況的比較、預測未來實現計劃的可能性等。這部分也是我們作為貸后檢查的重要依據和評判標準。

10、附件

比如：機構的介紹、年報、財務與審計報告、名單、數據、圖表等。