个人授信业务管理办法(拟稿).docx

conferences, learned superiors policies; reports, you can learn to deal with problems, art, just wanted to learn, to learn at any time. To continuously expand the scope of the study. The complexity and comprehensiveness of our work, decided to not only do we want to be professionals, or if generalists, to dabble in different areas of knowledge. Mastery of knowledge not only to have knowledge to rational analysis. This on requirements we, not only to learning national of route, and approach, and policy, also to learning national of legal, and regulations; not only to with political theory armed mind, also to with economic theory guide work; not only to read history, also to read history; not only to absorption SM of mirror, also to gets is of road; not only to from local learn, also to to outside learn; not only to to books learn, also to field study learn. Therefore, I would encourage you, and more to the outside world when I have time to take a look at, take a stroll, outside developments, learn other peoples development approach, and then come back to guide our work. Second, we must think. Learning without thought to overshadow, thinking without learning is perilous. We want to foster the character of advancing with the times, forge ahead, often reflect themselves in adapting to the new situation on whether there are delays, have anything to fear in the reform and innovation, whether in terms of accelerating the development of a relaxation, keep promising State of mind. In order to do investigations, investigations is the road to heaven, God disposes of the base. To wants to real heard truth, and justice to truth, and get truth, received effectiveness, on must in-depth actual, and outreach, and in-depth masses, worship masses for Division, and masses heart, with masses with discussion everyone care of problem, listening they of calls, understand they of mood, feel they of suffering, summary they of experience, concentrated they of wisdom, especially on masses most hope, and most urgent, and most worries, and most complained of hot, and difficulties and focus problem, more to active research, caught not put. Dare to innovate, in our work, often remain the old way doesnt work, the new approach would not situation, the reason, the key is that many people know that copying other peoples ideas, mechanically, using someone elses old ways. To change this predicament, requires us to break the shackles of traditional concepts to overcome conservative, conformist, good at finding new problems and to accept new things, summarize new experience, new ideas, developing new programmes and Maverick, a new approach to solve problems, speed up development. Especially in implement superior policy spirit of process in the, both implementation, and cannot mechanically, to to extraordinary of courage and develop enterprising of spirit, put flexibility and principle combined up, put superior of spirit and local reality combined up, Yong conspiracy to breakthrough of policy, and exercise innovation of lift, developed out development works of, and grass-roots welcomes of, and广州农村商业银行个人综合授信业务管理办法第一章 总 则第一条 为更好地满足个人客户的综合金融服务需求，推动我行个人授信业务健康发展，提高市场竞争力,根据贷款通则、个人贷款管理暂行办法等相关规章制度，结合我行相关产品业务的具体规定，特制定本办法。第二条 个人综合授信业务是指授信申请人以我行认可的方式向我行申请综合授信额度,在不超过授信有效期和可用额度的条件下，授信申请人可向我行多次申请具有明确用途的个人贷款,或申请创富融通卡等其他个人授信业务，可循环使用的业务。可用额度是指个人综合授信额度项下可用于发放贷款,或核准创富融通卡等其他个人授信业务的额度。可用额度=个人综合授信额度-（额度项下已发放贷款余额+额度项下已核准创富融通卡等其他个人授信业务的额度）第三条 个人综合授信业务遵循“综合受理、循环使用、随借随还”的原则。（一）综合受理是指客户有多种用途的融资需求的，我行可综合一并受理.需要办理担保手续的，在授信有效期限和授信额度内只办理一次担保手续。(二)循环使用是指在审批意见允许的前提下，在授信有效期限和授信额度内，客户可循环使用该额度。（三）随借随还是指在授信有效期内，对于可循环额度客户可根据资金状况随时申请使用及归还该额度。第二章 授信对象及条件第四条 可向我行申请个人综合授信业务的客户分为以下几类： （一）具备消费性贷款业务需求的个人客户；（二）具备创富业务需求的个人客户；（三）具备创富融通卡业务需求的个人客户。第五条 授信申请人的准入条件如下：（一)授信申请人应同时符合各额度项下具体业务在我行的相关客户准入条件.如客户不符合我行某项具体业务相关客户准入条件的，则其个人综合授信额度项下不得办理该项业务。（二）申请人以信用方式向我行申请个人综合授信业务的，须符合我行优质客户个人信用贷款管理办法中规定的客户准入条件。第三章 授信担保方式第六条 授信对象原则上应提供我行认可的有效担保，担保可采取抵押、质押和保证方式，具体要求以我行创富贷款管理办法相关规定为准。第七条 对于符合我行优质客户个人信用贷款管理办法中规定条件的客户,可采用信用方式申请。第四章 授信用途、额度及期限 第八条 授信用途（一）个人综合授信额度项下贷款可用于个人生产经营、装修、建房、购车、购买商业物业(含商铺、写字楼、公寓)、购物消费(含购买家私、电器、高档消费品等）、旅游、本人或子女出国留学等合法的个人经营与个人消费用途，购住房用途除外.贷款不得用于投资股市等违反国家信贷政策的领域.（二）个人综合授信额度项下的创富融通卡必须仅用于消费。第九条 授信额度（一)额度的确定个人综合授信额度应根据申请人家庭正常消费需求和所控制经营实体正常生产经营投资活动所需的合理资金需求(如有生产经营性贷款需求的)、现金流情况、还款能力以及担保能力等各方面综合确定.（二）额度的组成个人综合授信额度=额度项下创富贷款额度+额度项下消费性贷款额度+额度项下创富融通卡额度（三）“超抵贷”业务的相关规定一般情况下个人综合授信业务的综合抵押率按我行授信业务审批权限规定的抵押率执行。对于超出我行一般抵押率标准的(即“超抵贷”），经综合分析客户资质、风险实际情况，且属于以下三种情况之一的,可按照按抵押类授信业务审批权限和流程进行审批。1、对于申请人符合我行创富贷款管理办法关于“超抵贷”业务的相关规定的，其总额度对应的综合抵押率按照创富贷款“超抵贷标准执行;2、对于申请人属于我行优质客户个人信用贷款管理办法中列明的A类客户的,且抵押物为住房、别墅、商铺、写字楼、标准厂房的，其总额度对应的综合抵押率最高可为90（其中厂房、别墅最高为80);3、对于申请人符合我行优质客户个人信用贷款管理办法中列明的B类客户的,且抵押物为住房、别墅、商铺、写字楼、标准厂房的,其总额度对应的综合抵押率最高可为100(其中厂房、别墅最高为90%）。（五)对于采用信用方式申请的客户,其个人综合授信额度应按照我行优质客户个人信用贷款管理办法的相关规定核定。第十条 授信期限（一)抵押类1、所有抵押类业务（含“超抵贷”）授信期限加抵押房产已使用年限不得超过30年,授信到期日不得晚于房产对应的土地使用权到期日.2、抵押类业务(不含“超抵贷)授信期限最长为8年.对于具有长期稳定租金收入（指承租期限不短于授信期限且租金基本能覆盖贷款供款额）且我行能够控制租金来源的,或房屋抵押率较低(住房抵押率50、商用房抵押率40%）、抵押物有强流动性的抵押类业务，授信期限最长可为10年(含）.3、“超抵贷业务授信期限最长为5年。(二)保证类。保证类业务授信期限原则上最长不超过3年。如申请人符合我行优质客户个人信用贷款准入条件的，授信期限最长不超过5年。（三）信用类。信用类业务授信期限最长不得超过3年。第五章 额度项下业务基本要求第十二条 额度、期限、定价及还款方式 额度项下的各具体授信业务额度、期限、定价及还款方式等要素应结合申请人实际需求以及我行对应业务管理办法的相关规定进行核定,且不得突破总授信的相关要素.对于“超抵贷”业务应根据客户现金流以及风险情况合理设置期限、定价以及还款方式，确保我行业务风险可控.第六章 授信程序第十三条 授信申请（一）授信申请人向经办行提出授信申请，填写个人综合授信额度申请表（附件1)，提供相关的授信资料,授信资料应至少包括第一、二还款来源资料(具体资料清单可参考我行个人消费贷款管理办法)。如申请人有生产经营性融资需求的，还应提供申请人从事生产经营方面的相关资料。第十四条 授信调查经办支行客户经理受理申请人授信申请后，应履行尽职调查职责，对申请人申请内容和相关情况的真实性、准确性、完整性进行调查核实。经办行客户经理在调查阶段应与申请人充分沟通，全面了解其综合授信需求,为其合理设计授信方案，并在调查报告中明确披露。授信方案中应明确总授信金额、担保方式以及额度项下各具体业务对应的额度、期限、还款方式、定价等要素。具体要求须按照相应业务产品的要求执行.第十五条 授信审查、审批（一）审查人员应对支行调查内容的合法性、合规性、准确性进行全面审查。重点关注调查人的尽职情况、授信方案设计的合理性和申请人的偿还能力、诚信状况、担保情况、抵（质）押比率、风险程度等.审查人员应在审查意见中明确授信与否、总授信金额、担保方式以及额度项下各具体业务对应的额度、期限、还款方式、定价等要素。（二）审批人员应根据业务的风险状况，结合支行调查以及审查岗意见，出具审批意见，并明确授信与否、总授信金额、担保方式以及额度项下各具体业务对应的额度、期限、还款方式、定价等要素.（三)个人综合授信业务审批权限参照我行个人非按揭业务审批权限执行.第十六条 合同签订与落实担保条件授信审批通过后，经办行与授信申请人签订个人综合授信合同（附件2）.以担保方式申请的，还应签订相关最高额担保合同，并办妥审批意见中明确的担保条件相关手续。具体要求见下表：客户办理额度项下业务主合同额度项下业务合同（协议)担保合同注意事项 贷款业务（含创富贷款或消费性贷款） 创富融通卡个人综合授信合同最高额借款合同最高额抵押合同或最高额质押合同、最高额保证合同视具体担保方式要求而定 贷款业务（含创富贷款或消费性贷款） 创富融通卡创富融通卡授信合同 贷款业务(含创富贷款或消费性贷款) 创富融通卡最高额借款合同创富融通卡授信合同已成功办理额度项下贷款业务之后，客户再获批创富融通卡的创富融通卡授信合同个人综合授信补充协议（附件3）已成功办理额度项下创富融通卡之后，客户再获批贷款业务的最高额借款合同个人综合授信补充协议注：上表中“表示客户已申请办理，“”表示客户尚未申请办理。第十七条 额度项下单笔用款（一)额度项下贷款放款1、额度项下的贷款必须具有明确、合法的贷款用途.申请人应向我行提交能证明贷款用途的相关交易合同或其他书面材料,经办客户经理必须调查核实用款的真实性与合理性，确保贷款用途合法合规。具体要求按额度项下具体产品业务对应的我行相关规定执行。2、额度项下贷款放款的业务审核流程分为支行阶段审核流程以及总行阶段审核流程。支行阶段的具体流程以各产品业务要求为准，总行阶段的具体流程统一为（不分具体业务权限）：总行消费信贷事业部综合员分发总行消费信贷事业部放款岗审核.出账流程及要求按各产品业务要求执行.3、核算科目。根据款项用途的不同,按照我行对应个人授信品种的核算科目执行。(二）额度项下创富融通卡用款额度项下创富融通卡的制卡、领卡以及用款的相关要求按我行创富融通卡的相关制度执行。第六章 风险管理第十八条 个人综合授信业务的风险管理(一）加强对第一、二还款来源变化情况的监控。强化落实对押品的现场及非现场检查评估，核实押品的续存状态是否正常，价值变动是否在我行允许的范围之内.经办支行应每年对抵押物进行内部评估,如发生押品价值下降的,应合理评估价值变动对授信业务的影响，及时调整授信额度或要求申请人追加担保。（二）个人综合授信业务的五级分类要求按照我行五级分类管理办法相关规定执行。第十九条 额度项下授信业务的风险管理(一）额度项下各授信业务的授信后检查、五级分类、催收、回收、逾期处理、提前还款、展期、结清和保全等操作要求按照所对应产品业务的相关规定执行.（二)授信额度项下任何一笔贷款达到保全条件时,应立即对额度项下全部贷款采取相应的保全措施.(三）授信额度终止、失效1、授信额度终止。授信有效期满，且额度项下授信业务全部还清时,额度终止。2、授信额度失效。授信额度项下授信业务一旦发生逾期或对应押品价值下跌幅度超出我行风控容忍范围的，我行有权停止授信额度，并要求被授信人提前还清额度项下所有债务。额度项下单笔业务连续逾期达到3期（或欠息达到3个月）或额度项下所有业务累计逾期达到6期的，授信额度失效，且该额度不能再恢复使用。第二十条 授信业务资料管理个人综合授信业务的档案资料管理按我行信贷业务档案集中管理办法规定执行.第七章 附 则第二十一条 本办法由总行消费信贷事业部制定、解释和修订。第二十二条 本办法自发文之日起执行.原个人房产抵押循环授信业务管理办法（试行）（穗农信发2007560号）一文同时废止。附件：1、个人综合授信额度申请表 2、个人综合授信合同 3、个人综合授信补充协议如果完成一件事的各种方法是相互独立的，那么计算完成这件事的方法数时，使用分类计数原理如果完成一件事的各个步骤是相互联系的，即各个步骤都必须完成，这件事才告完成According to Office Party of mass line education practice activities led group of unified arrangements, units main led to for cadres workers Shang a times party lecture, due to himself level limited, only put this stage concentrated learning of experience today and everyone common with learning exchange, purpose is let we further deep understanding mass line of connotation, insisted party of mass line, do masses work, following main from four a aspects told: a, and full awareness party of mass line education practice activities of major meaning Partys 18 major distinct proposed to focus on the partys advanced nature and purity, in the party, with pragmatic and clean for the people as the main content of the partys mass line and educational practice. This is comrade XI Jinping as party General Secretary and adhere to strictly administering the party, strengthen the partys major decision is in line with the public expectations and strengthening the construction of learning-oriented service innovation of Marxist partys major deployment, is the important measure to advance the great cause of socialism with Chinese characteristics. First, carry out the partys mass line in education practice, was carrying 18 of the party spirit, summon a powerful force for realizing the great rejuvenation of the Chinese nation the Chinese dream of urgent needs. Partys 18 to promote strategic deployment to building socialism with Chinese characteristics, presents two 100-year goal, namely, by 2020 Chinas gross domestic product and per capita income of urban and rural residents in 2010 on the basis of double complete the building of a well-off society; the middle of this century into a prosperous, democratic, civilized and harmonious Socialist modern country, and on this basis, the Chinese dream of realizing the great rejuvenation of the Chinese nation. 18 Congress of the party, Comrade XI Jinping repeatedly expounded the Chinese dream. The basic connotation of the Chinese dream, is the national prosperity, national revitalization, the happiness of the people, China important to follow is to keep China Road, carry forward the spirit and cohesion strength of China, dream dreams of the people of China, but determined confidence, enhance self-awareness, achieve self-reliance, to build a stronger China, civilization, harmony, beauty, China, China, China. Strategic conception of China was 18 the spirit of the enrichment and development of the party, conscientiously study the Chinese dream, leading people to hard to realize the Chinese dream, mass education activities in depth the fundamental starting point and ending point. Strengthen the education of the partys mass line, helps to train the collective consciousness of the unity of the party and the people, playing the Chinese dream ideological bases. Comrade Mao Zedong stressed that parties should have common language socialist countries must have unity of will. History has