贷款调查

1贷前调查（贷款调查要素）A、一般性基础资料··········································································································1一、法人客户需提供的资料······························································································1二、个人客户需具备的提供的资料·····················································································1三、担保人需提供的资料·································································································2B、调查的主要方法及内容··································································································2一、客户基本概况调查方法及内容·····················································································2二、客户组织架构及关联方情况信息调查内容······································································3三、客户及关联方声誉情况及履约记录的调查内容································································4四、客户管理层履历及管理层领导者素质的调查内容·····························································5五、客户所处行业地位的调查内容·····················································································5六、客户经营情况调查内容······························································································6七、客户财务状况调查内容······························································································7八、对授信用途、还款来源调查内容·················································································11九、调查要求·············································································································12C、常见企业类型特别调查内容·························································································13一、商贸型企业特别调查内容·························································································13二、生产型企业特别调查内容·························································································13三、投资管理型企业特别调查内容···················································································14四、集团型企业特别调查内容·························································································14D、部分信贷产品需收集的个性化资料和调查重点·································································14一、“农家乐”··········································································································14二、“创业乐”··········································································································16三、“商家乐”··········································································································17四、“金土地”··········································································································18五、“绿之源”··········································································································19六、“成长金桥”·······································································································21七、“创业金桥”·······································································································21八、固定资产贷款·······································································································22九、项目贷款·············································································································23十、流动资金贷款·······································································································26十一、担保类·············································································································291A、一般性基础资料一、法人客户需提供的资料1、法定代表人身份证明，由代理人办理的，还应提供授权委托书和代理人身份证明。2、法人营业执照，特殊行业的企业须提供有权部门颁发的特殊行业生产经营许可证或企业资质等级证书及其年检证明。3、加盖公章的法人（组织机构）代码证（复印件）、税务登记证明（复印件）、生产经营许可证（复印件）、产品质量认证书（复印件）等。4、登录人民银行征信系统，查询法人客户信用记录，打印征信报告书。5、合资、合作的合同和验资证明及其附件。6、人民银行颁发的有效贷款卡。7、公司制企业法人的公司章程；董事会成员和主要负责人、财务负责人名单和签字样本；董事会成员身份证明；若为有限责任公司客户、股份有限公司客户、合资合作企业客户，应查阅该公司或企业的章程，确定有权决议机关提供同意申请授信业务的决议、文件或具有同等法律效力的文件或证明；股东大会关于利润分配的决议；事业单位有权部门批文；外资企业，还需要该企业成立批准机关的授权。8、近三年经审计的资产负债表、损益表、业主权益变动表以及销量情况。成立不足三年的客户，提交自成立以来年度的报表。申请借款前一期的财务报告。9、本年度及申请授信前一个月（最近月份）存借款及对外担保情况。10、现金流量预测及营运计划。11、税务部门年检合格的税务登记证明和近二年税务部门纳税证明资料复印件。12、新客户还需提供印鉴卡、法定代表人（委托代理人）签字式样。13、需提供的其他资料（如海关等部门出具的相关文件等）。二、个人客户需具备的提供的资料1、个人身份证明；户籍证明；婚姻状况证明；如果有经营实体提供经营实体证明。2、个人及家庭收入、资产证明。3、登录身份证联网核查系统，人民银行征信系统，查询个人征信信用记录，打印征信报告书。4、需提供的其他资料。2三、担保人需提供的资料1、保证人提供的资料。身份证明，营业执照，特殊行业生产经营许可证、企业资质等级证书，有限责任公司或股份有限公司的同意保证意见书、有权对外出具担保决策机构同意保证意见书、保证人对外担保清单、财务报告等。2、抵押人提供的资料：身份证明，营业执照，抵押物权利证书，公司章程、验资报告、董事会成员身份证件、股东会或董事会同意抵押担保的决议、有限责任公司或股份有限公司的同意抵押意见书，有权对外出具担保决策机构同意抵押意见书、国有资产管理部门同意的抵押函等。3、质押人提供的资料：身份证明，营业执照，权利凭证或质物发票，质物鉴定和价值评估报告，有限责任公司或股份有限公司的同意质押意见书、有权对外出具担保决策机构同意质押意见书等。客户部门对客户提交的相关资料进行登记，并将有关数据、资料入信贷业务信息管理系统。B、调查的主要方法及内容一、客户基本概况调查方法及内容1、实地考察企业的办公场所、生产场地、施工现场、原材料及产成品存储仓库，关注企业办公环境、生产设备状况、生产景气程度和现场管理情况，提供相关现场图片，了解企业的生产经营情况、班产量、日产量、施工进度和员工的精神面貌及工作状态。2、与企业法定代表人、总经理及经营班子、财务负责人面谈，并随机与其他层面工作人员交谈，了解企业的成长经营历史、管理方式、经营思路、发展规划及存在的问题，判断企业领导层的经营管理能力及其对企业的掌控能力，验证所调查的情况的可靠性。3、调查企业人员结构，包括企业人员总数，生产、技术、销售、管理等人员的数量。调查人员稳定性及其对企业经营的影响。4、到注册地工商行政管理局查询并打印或复印公司注册登记信息及相关资料（须由工商局签章或保留网上查询记录），到企业查询并打印验资报告、章程、董事会成员签字样本等。要注意企业营业执照的有效期、年检情况及企业名称、法定代表人、股东、经营范围变更等情况。35、对照企业章程及董事会成员签字样本确认董事会决议的有效性，包括董事签字的真实性、董事会决议内容的有效性及董事会决议的合法性。要注意审查签字董事人数是否达到企业章程规定决议生效的人数。6、核验企业税务登记证的年检合格情况。7、关注法定代表人证明书和法人代表授权委托书的