银行项目融资实务培训(第二版)
1.借款干什么用？
“问民所乏，贷以种粮钱，令麦熟纳偿，而薄取其息”（资治通鉴）。中国古人就懂得严格控制信贷资金的用途，必须用实体交易。贷款给你，你去种粮食，我约定好用途，粮食种好，麦子销售得回款，就赶紧归还贷款。而且，生产经营用途的贷款，利息较低。
借款用途必须合理，用途是授信业务的基础，也是授信风控的关键。
银行需要注意：企业申请授信事由是否真实的，到底拿信贷资金去做什么，这是整个风控最重要一个环节。如果信贷用途是假的，那会将我们所有审查都置于空中楼阁。
2.企业有能力完成用途承诺的事项吗？
陈力就列，不能者止（《论语》）。银行必须判断企业是否有能力完成申请事项，企业的能力必须想做的事情匹配，否则企业有个天大的梦想，但是能力却不足，这反而会将事情弄糟。中国很多企业，都想一步登天、微蛇吞象，结果反而误了卿卿性命。
信贷资金来自于存款人，我们必须战战兢兢、如履薄冰的看好，用好。
3.企业投入多少自有资金？
无论将贷款用于做什么，无论是购置固定资产，还是购买原材料，甚至发放员工工资，在申请事项中，企业应投入足够自有资金。生意之经营，一定是企业承担风险的大头，银行承担一小部分。你不可能让一个仅获得微薄利息收入的银行，与获得可观商业利润的企业共担风险。企业表达对借款用途的决心，不是靠自己的嘴，是靠自己投入真金白银。
4.企业的交易对手方是谁？
信贷往往是失之毫厘、谬以千里。授信应用于有需求或有交易对手的事项。信贷资源必须有真实交易对手方来落地，银行承兑汇票必须有非常明确的收款人，就是企业报表中的应付账款方，绝不能是关联公司或空壳中小企业。只要贷款，就必须受托支付，必须直接支付给真实的供应商，要求场景封闭，绝不纵容客户。
5、项目现金流与借款能匹配吗？
借款用途能够产生对应的资产和现金回流，而且现金回流能够覆盖成本。授信必须产生优质资产，资产必须很快变现，能形成正向的经营现金流，回流现金能够封闭用于归还银行授信。要牢牢盯住：贷款支付、形成资产 、现金回流、归还贷款，这四位一体的封闭循环，绝不可以断裂。
本书为立金银行培训中心系列培训教材之一，围绕银行项目融资实务，介绍了固定资产贷款、项目搭桥贷款、项目营运期贷款、经营性物业抵押贷款、在建工程抵押贷款、房地产开发贷款、商品房开发贷款、水利建设设施项目贷款、海绵城市项目贷款、医疗卫生项目贷款、节能环保项目贷款、文化旅游项目贷款、健康养老项目贷款等多种项目融资产品，包括基本概念与原则、营销建议、贷款办理条件、风险控制、贷款调查与审批、贷款利率与总量控制，并附以大量的案例，具有较强的针对性和借鉴意义。
立金银行培训中心是国内专业从事银行客户经理信贷业务培训辅导机构，自成立以来，培训中国千家金融机构超过100万名客户经理。立金培训中心足迹走遍中国大江南北，从东南沿海广州银行、南粤银行、招商银行、杭州银行，到祖国边陲的乌鲁木齐银行、甘肃银行，从东三省哈尔滨银行、大连银行，到西南重镇重庆银行、成都银行，立金培训中心为国内商业银行客户经理奉献了一堂堂精彩培训，无数的支行行长、信贷部门负责人、优秀客户经理从立金培训中心课程中获益，在各家商业银行岗位上承担重任。
中心立足于为国内商业银行培养一批懂业务、擅营销的客户经理和信贷专业领域产品经理，按照客户经理和产品经理成长阶段，提供初级、中级、高级全套培训课程。中心以创新信贷产品及案例为培训教材，讲解操作要点、营销思路、使用技巧、风险控制要求等。讲师来自各大商业银行，为本领域的专业人才，实践经验丰富，上课生动、幽默，学员与教师之间互动交流，授课效果佳。
立金培训中心教材全部自主研发，取材于信贷产品，紧扣监管政策，通过真实客户案例，将贷款、票据、保函、信用证、供应链融资、投行实务、财务报表分析、授信方案设计、信贷风险把控、信贷调查要点等十大专题讲清、讲透、讲实，涵盖贷前、贷中、贷后的三查要求，为客户经理打开了解监管政策，信贷产品创新趋势的一扇窗户。
产品篇
【产品一】项目融资3
【产品二】项目搭桥贷款16
【产品三】项目前期贷款21
【产品四】项目营运期贷款27
【产品五】项目组合融资34
【产品六】项目贷款承诺函44
【产品七】地铁项目贷款51
【产品八】房地产开发贷款54
【产品九】商用房开发贷款65
【产品十】ＰＰＰ项目融资69
【产品十一】棚户区改造项目贷款73
【产品十二】固定资产贷款77
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
1.借款干什么用？
“问民所乏，贷以种粮钱，令麦熟纳偿，而薄取其息”（资治通鉴）。中国古人就懂得严格控制信贷资金的用途，必须用实体交易。贷款给你，你去种粮食，我约定好用途，粮食种好，麦子销售得回款，就赶紧归还贷款。而且，生产经营用途的贷款，利息较低。
借款用途必须合理，用途是授信业务的基础，也是授信风控的关键。
银行需要注意：企业申请授信事由是否真实的，到底拿信贷资金去做什么，这是整个风控最重要一个环节。如果信贷用途是假的，那会将我们所有审查都置于空中楼阁。
2.企业有能力完成用途承诺的事项吗？
陈力就列，不能者止（《论语》）。银行必须判断企业是否有能力完成申请事项，企业的能力必须想做的事情匹配，否则企业有个天大的梦想，但是能力却不足，这反而会将事情弄糟。中国很多企业，都想一步登天、微蛇吞象，结果反而误了卿卿性命。
信贷资金来自于存款人，我们必须战战兢兢、如履薄冰的看好，用好。
3.企业投入多少自有资金？
无论将贷款用于做什么，无论是购置固定资产，还是购买原材料，甚至发放员工工资，在申请事项中，企业应投入足够自有资金。生意之经营，一定是企业承担风险的大头，银行承担一小部分。你不可能让一个仅获得微薄利息收入的银行，与获得可观商业利润的企业共担风险。企业表达对借款用途的决心，不是靠自己的嘴，是靠自己投入真金白银。
4.企业的交易对手方是谁？
信贷往往是失之毫厘、谬以千里。授信应用于有需求或有交易对手的事项。信贷资源必须有真实交易对手方来落地，银行承兑汇票必须有非常明确的收款人，就是企业报表中的应付账款方，绝不能是关联公司或空壳中小企业。只要贷款，就必须受托支付，必须直接支付给真实的供应商，要求场景封闭，绝不纵容客户。
5、项目现金流与借款能匹配吗？
借款用途能够产生对应的资产和现金回流，而且现金回流能够覆盖成本。授信必须产生优质资产，资产必须很快变现，能形成正向的经营现金流，回流现金能够封闭用于归还银行授信。要牢牢盯住：贷款支付、形成资产 、现金回流、归还贷款，这四位一体的封闭循环，绝不可以断裂。
本书为立金银行培训中心系列培训教材之一，围绕银行项目融资实务，介绍了固定资产贷款、项目搭桥贷款、项目营运期贷款、经营性物业抵押贷款、在建工程抵押贷款、房地产开发贷款、商品房开发贷款、水利建设设施项目贷款、海绵城市项目贷款、医疗卫生项目贷款、节能环保项目贷款、文化旅游项目贷款、健康养老项目贷款等多种项目融资产品，包括基本概念与原则、营销建议、贷款办理条件、风险控制、贷款调查与审批、贷款利率与总量控制，并附以大量的案例，具有较强的针对性和借鉴意义。
立金银行培训中心是国内专业从事银行客户经理信贷业务培训辅导机构，自成立以来，培训中国千家金融机构超过100万名客户经理。立金培训中心足迹走遍中国大江南北，从东南沿海广州银行、南粤银行、招商银行、杭州银行，到祖国边陲的乌鲁木齐银行、甘肃银行，从东三省哈尔滨银行、大连银行，到西南重镇重庆银行、成都银行，立金培训中心为国内商业银行客户经理奉献了一堂堂精彩培训，无数的支行行长、信贷部门负责人、优秀客户经理从立金培训中心课程中获益，在各家商业银行岗位上承担重任。
中心立足于为国内商业银行培养一批懂业务、擅营销的客户经理和信贷专业领域产品经理，按照客户经理和产品经理成长阶段，提供初级、中级、高级全套培训课程。中心以创新信贷产品及案例为培训教材，讲解操作要点、营销思路、使用技巧、风险控制要求等。讲师来自各大商业银行，为本领域的专业人才，实践经验丰富，上课生动、幽默，学员与教师之间互动交流，授课效果佳。
立金培训中心教材全部自主研发，取材于信贷产品，紧扣监管政策，通过真实客户案例，将贷款、票据、保函、信用证、供应链融资、投行实务、财务报表分析、授信方案设计、信贷风险把控、信贷调查要点等十大专题讲清、讲透、讲实，涵盖贷前、贷中、贷后的三查要求，为客户经理打开了解监管政策，信贷产品创新趋势的一扇窗户。
产品篇
【产品一】项目融资3
【产品二】项目搭桥贷款16
【产品三】项目前期贷款21
【产品四】项目营运期贷款27
【产品五】项目组合融资34
【产品六】项目贷款承诺函44
【产品七】地铁项目贷款51
【产品八】房地产开发贷款54
【产品九】商用房开发贷款65
【产品十】ＰＰＰ项目融资69
【产品十一】棚户区改造项目贷款73
【产品十二】固定资产贷款77
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
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