建設(shè)銀行2011年信貸政策與結(jié)構(gòu)調(diào)整方案

1、中國建設(shè)銀行2011年信貸政策與結(jié)構(gòu)調(diào)整方案目錄1.跟蹤把握經(jīng)濟發(fā)展趨勢，切實做好風(fēng)險選擇...........................................................................31.1新形勢下的挑戰(zhàn)和機遇......................................................................................

2、...................31.2政策思路................................................................................................................................51.3政策框架.........................................................

3、.........................................................72.把握產(chǎn)業(yè)結(jié)構(gòu)調(diào)整方向，細(xì)化行業(yè)信貸政策...........................................................................92.1總體要求..........................................................

4、......................................................................92.2進：戰(zhàn)略拓展行業(yè)...............................................................................................................102.2.1戰(zhàn)略性新興產(chǎn)業(yè).............

5、..................................................................................................112.2.1.1行業(yè)范圍.............................................................................................................

6、...........112.2.1.2管理要求........................................................................................................................132.2.1.3客戶（項目）底線...........................................................

7、.............................................132.2.2現(xiàn)代服務(wù)業(yè)（含文化產(chǎn)業(yè)）...........................................................................................142.2.2.1行業(yè)范圍....................................................

8、....................................................................142.2.2.2管理要求........................................................................................................................152.2.2.3客戶底線......

9、..................................................................................................................152.3保：傳統(tǒng)優(yōu)勢行業(yè).............................................................................................

10、..................172.3.1行業(yè)范圍...........................................................................................................................172.3.2政策要求.........................................................

11、..................................................................172.3.3民生領(lǐng)域政策要求...........................................................................................................182.4控：審慎支持行業(yè)...................

12、............................................................................................192.4.1行業(yè)范圍.....................................................................................................................

13、......192.4.2政策要求...........................................................................................................................192.5壓：逐步壓縮行業(yè)...................................................................

14、............................................202.5.1行業(yè)范圍...........................................................................................................................202.5.2政策要求...............................

15、............................................................................................202.6敏感性行業(yè)應(yīng)嚴(yán)控新增產(chǎn)能授信.......................................................................................203.適應(yīng)市場變化趨勢，著力增加有競爭力的

16、客戶.....................................................................213.1總體要求..............................................................................................................................213.1.1大中小個人客戶

17、并舉，構(gòu)建合理客戶結(jié)構(gòu)....................................................................213.1.2防范客戶風(fēng)險集中...........................................................................................................223.2大中型客戶信貸政策.....

18、......................................................................................................233.2.1客戶分類...........................................................................................................

19、................233.2.2客戶政策...........................................................................................................................233.2.2.1單戶總量要求.......................................................

20、.........................................................233.2.2.2產(chǎn)品配置要求................................................................................................................243.3小企業(yè)客戶信貸政策......................

21、.....................................................................................253.3.1總體要求...........................................................................................................................2

22、53.3.2目標(biāo)客戶...........................................................................................................................263.3.3管理要求............................................................................

23、...............................................276.4加強信貸薄弱環(huán)節(jié)管理.......................................................................................................556.4.1著力強化表外授信業(yè)務(wù)風(fēng)險管控..................................

24、..................................................556.4.2加強貸前風(fēng)險管理...........................................................................................................566.4.3繼續(xù)強化貸后管理.................................

25、..........................................................................576.4.4強化授信業(yè)務(wù)擔(dān)保管理...................................................................................................576.4.5加強制度流程梳理...............

26、............................................................................................586.4.6穩(wěn)步推進全面授信管理...................................................................................................586.4.7加強固定資

27、產(chǎn)貸款提款期管理.......................................................................................596.5加大創(chuàng)新力度..................................................................................................................

28、.....596.5.1基于客戶需求著力推進產(chǎn)品創(chuàng)新....................................................................................596.5.2積極探索新型擔(dān)保方式.............................................................................................

29、......606.5.3加大創(chuàng)新管理力度...........................................................................................................616.6多策并舉，確保結(jié)構(gòu)調(diào)整落到實處........................................................................

30、...........616.6.1加大信貸退出力度...........................................................................................................616.6.2強化資本約束，轉(zhuǎn)變高資本消耗的經(jīng)營模式.............................................................

31、...616.6.3強化組合管理工具運用...................................................................................................616.6.4加大差別化授權(quán)力度.....................................................................................

32、..................626.6.5建立引導(dǎo)信貸結(jié)構(gòu)調(diào)整的激勵約束機制........................................................................626.6.6做好研究和培訓(xùn)工作..........................................................................................

33、.............637.附則.............................................................................................................................................637.1術(shù)語解釋...................................................

34、...........................................................................637.2適用范圍..............................................................................................................................647.3調(diào)整規(guī)則.

35、.............................................................................................................................647.4其他要求......................................................................................