WULOLIFE
"The Logic and Common Sense of Credit" Author: Liu Yuanqing Publisher: CITIC Press
"The Logic and Common Sense of Credit" Author: Liu Yuanqing Publisher: CITIC Press
Couldn't load pickup availability
Description
Introduction · · · · · ·
Credit is the core business of commercial banks and the main source of bank profits and risks. At present, the difference between good banks and bad banks is mainly determined by the bank's credit management capabilities.
"The Logic and Common Sense of Credit" focuses on the control of credit risk at the micro level. The author combines his long-term bank credit work practice and experience, uses popular language, supplemented by a large number of actual cases, to explain the principles of daily credit risk management in banks. Starting from the basic concepts that credit practitioners (account managers and risk managers) should have, this book constructs a credit risk analysis framework applicable to a single customer, a single project and a single business. The framework includes customer analysis, purpose and transaction background analysis, project analysis, market analysis, repayment source and repayment ability analysis, collateral analysis and financing plan analysis. On this basis, the author also conducts a special analysis and interpretation of the corporate financial statements involved in the credit business from the perspective of bank creditors, and conducts an in-depth discussion on innovative businesses such as bond underwriting and investment, off-balance sheet financial investment, and investment-loan linkage and their risk control issues. The content of this book covers most of the credit risk business areas that banks may be involved in at present. In addition, this book also actively discusses the hot and difficult issues of current bank credit business, such as excessive debt, anti-counterfeiting, private lending, and related transactions.
Authoritative industry figures such as Fan Yifei, Deputy Governor of the People's Bank of China, Zhang Qu, former Deputy Governor of the Industrial and Commercial Bank of China, Sun Deshun, President of CITIC Bank, and Suo Xuquan, General Manager of the Credit Approval Department of the Industrial and Commercial Bank of China have all recommended this book.
About the Author
Liu Yuanqing, born in 1973, holds a doctorate in economics and has 17 years of experience in the credit industry. He started as a credit clerk in a branch. He has served successively as deputy president in charge of credit of Industrial and Commercial Bank of China Guangzhou Tongfu Middle Road Branch, deputy general manager of the branch's corporate business department, investment banking department, credit management department and director of the credit approval center, deputy director of the Credit Management Department of the Industrial and Commercial Bank of China Head Office, deputy director, director and deputy general manager of the Credit Approval Department, deputy general manager of the Credit Approval Department, and concurrently a member of the Credit and Investment Review Committee of the Head Office. He was one of the "Top Ten Outstanding Young People" of the second ICBC session and was responsible for the review and approval of credit risks involving the infrastructure industry, manufacturing industry, overseas business, investment banking business and asset management business. He participated in the writing of the book "Credit Risk Decision-making Cases" and published more than 20 papers in journals such as "Financial Research", "People's Daily" and "Financial Forum".
