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近年来,由于经济滑坡、市场疲软,部分客户盲目扩张、过度融资形成的风险逐步显现,且随时面临资金链断裂风险。有的资金链条已经断裂,严重影响银行债权安全。客户盲目过度融资、银行过度放贷是影响债权安全的主要原因,因此如何严格控制客户授信总量,防范客户过度融资,尤为重要。一、识别客户的方法1.要区别不同客户类型,从财务数据入手进行综合分析判断。主要财务指标的逻辑分析,除了利用资产负债率、流动比
In recent years, due to the economic downturn, the weak market and the blind expansion of some customers, the risks arising from over-financing have gradually emerged and are at risk of ruining the funding chain at any time. Some funds have broken the chain, seriously affecting the bank’s debt security. Customers blindly over-financing, bank over-lending is the main reason affecting the security of claims, so how to strictly control the total amount of customer credit, to prevent excessive customer financing is particularly important. First, the method of identifying customers 1. To distinguish between different types of customers, starting from the financial data to make a comprehensive analysis to determine. The main financial indicators of the logic analysis, in addition to the use of assets and liabilities, the current ratio