HND个人及商业信贷（5篇材料）

第一篇：HND个人及商业信贷

SAMPLE INSTRUMENT OF ASSESSMENT

CASE STUDY

This Case Study should be provided to candidates 7-10 days prior to the assessment date.A copy of the Case Study should be provided to each candidate on the date of the assessment along with the questions.All questions must be answered.You are the manager of the West End branch of the Bell Bank plc.Your branch has been asked to train Michael Samuels, a new Graduate Management Trainee.Michael has a degree in Architecture from Glasgow University but has decided that a career in financial services would be more challenging.Michael has now been with you for two weeks and has shown a keen willingness to learn.You have encouraged this willingness to learn by allowing him to sit in during some of your interviews with your customers.You have suggested that Michael take notes during each interview and then use these notes to ask you questions relating to each of the interviews.Michael has sat through four interviews.Some of the material facts relating to each interview are provided below.Interview 1

John and Mary McCusker have been customers of your branch for 18 years.You have got to know the McCuskers quite well during your three-year stay at the West End branch.John earns £35,000 per year from his job as a Quantity Surveyor and Mary earns £21,000 per year from her job as a Nurse.The McCuskers have three children aged 14,12 and 10.The two youngest children have always shared a bedroom but the McCuskers now feel the time is right to move to a larger house to give all three children their own bedroom.You had agreed at an earlier interview to provide a capital and interest mortgage facility for £120,000 over 20 years, and the McCuskers have since purchased a new four-bedroomed house in Hamilton for £175,000.Their existing home in Lanark has been sold for £120,000 and the McCuskers have £40,000 outstanding on their current mortgage loan.The McCuskers have now identified a problem in that they have arranged to move into their new home on 10 May but their buyers will not settle on their old home until 4 June.Michael Samuels is curious to learn what process you used to decide upon the mortgage facility that you agreed to provide the McCuskers, and to learn what you intend to do to help the McCuskers overcome their new problem.Interview 2

You discussed providing a term loan of £80,000 over 15 years to your commercial customers, Albion Tyres Ltd.Mark and James Thomas, a father and son, run the company, which has traded successfully for 8 years.Mr Thomas, Senior is 52 years of age and his son is 28 years of age.The business employs four members of staff, three of whom are tyre and exhaust fitters, and one of whom deals with office administration.One of the fitters also deals with matters relating to brake and suspension repairs, a part of the business that accounts for around 15% of the overall turnover.The company’s existing premises are now too small for the business and they have identified new premises in the centre of town that would suit their purposes.It is expected that by moving into the centre of town that their turnover and profits should increase by around 20% per annum.The company has produced a substantial and impressive business plan, including a cash flow forecast that shows that the business should be able to comfortably meet the new commitments.The business plan has also incorporated the last three years’ accounts.You have asked the Thomas’ to allow you time to examine the information in the accounts before confirming your decision.Interview 3

You arranged an appointment with your business customer, John Thomson, to discuss some concerns that you have been having with the operations of his business account.You have now made some suggestions to Mr Thomson to help him to regularise his financial position.Michael Samuels is somewhat confused as to how you were able to identify that there were problems with the operations of the business in the first place.QUESTIONS

All questions must be attempted.1.Following the interview with the McCuskers, Michael has asked you to explain to him the the most appropriate loan facility that would help the McCuskers overcome their current problem.Summarise the main features of this loan facility,and calculate the level of borrowing required by the McCuskers.2.Michael is curious to ask for you about the principle.please introduce the main ideas of the principle of lending.3.You have spent time with Michael showing him how to calculate various ratios from the accounts that Albion Tyres have provided.The following ratios have now been calculated:

Ratio

Year 2001 Year 2003 Year 2004

Current Ratio 2.4:1

2.6:1

2.8:1 Liquid Ratio

0.5:1

0.8:1

1:1 Gross Profit % 56%

58%

57% Net Profit %

23%

21%

20%

Explain to Michael how each ratio would have been calculated and how these figures might be interpreted from a lending viewpoint.4.Michael is curious to learn how you can get the information for loan decision making.Summarize the difference between annual accounts and management accounts.5.Michael was quite impressed that you were able to identify from John Thomson’s business accounts that his business was ‘getting into trouble’.6.Explain the meaning of creative accounting and measures to identify it.7.Explain to Michael how the figures of stocks and debtors items in balance sheet to might be interpreted from a lending viewpoint.

第二篇：HND《个人与商业信贷》

1.Principles of loan: CCCPARTS(characteristic, capacity, capital, purpose, amount, repayment, security)Characteristic: How the borrower characteristic is, whether there is a bad record, whether there is a business with the bank, how income of borrowers, whether stable.Washington with the bank's have 12 years of economic exchanges, and to the sister paper he had no any bad record, indicating that he is worthy of trust in personality.Capacity: The amount of repayment to the lender, whether the lender or other liabilities.For example, a person needs loan of £200000, but he has other £100000 debts, so he does not have sufficient capacity to repay the debt.Washington works in a construction company, he has a relatively high income, he wanted a loan of £25000 now, the number is not a lot, with his repayment ability, he can repay these loan in short term, there is not any risks for bank.Capital: The lender now has a number of funds, these include deposit, real estate values, with bonds, has the value of the stock, debt value for borrowers, lenders on existing assets appreciation of space.Washington existing value £75000 of property, but the future appreciation of the space is not clear, he in the bank has £15000 deposit, which can reduce the number he need a loan, he now holds part-time 40000 pounds, but he did not say the stock market.In summary, loans to Washington still has a certain risk.Purpose: The whereabouts of the loans, whether the lender's loan purpose is reasonable, there is no risk.Such as a man loans from bank to do investment on share market, the loan purpose is not reasonable, because the stock a lot of uncertainty, and banks to take risks for investors, and ultimately gain but not belonging to the bank.Washington in this money is only to decorate their homes and it is no a large amount, his purpose of loan is reasonable.Amount: The number of lenders need loans, as well as the number of loans they can.Like a person with higher credit limit, it can loan £100000, and he only need to borrow £40000, the number of loans is acceptable.Washington has a stable job and income, £75000 worth of property, £40000 worth of stock, and good credit records.It can loan a considerable amount of money, the number of 25000 pounds can be accepted by the bank.Repayment: If the loan repayment is stable, legitimate.Ways of paying is reasonable.For example, a self-employed people, his source of repayment is not stable, so he can not meet the requirements of the bank.Terms: whether the lender expects repayment period can be accepted, the higher the longer term interest, but the banks bear the risks will also increase.The shorter the period, the smaller the risk, but the has fewer bank' s profits.Like a person to bank loans for a period of up to 20 years, banks can derive a lot of interest, but if the lender refuses repayment, banks will suffer a loss.Security: Whether lender has any assets as mortgage, whether the asset is done any other mortgage before.Such as lenders have mortgage the house, but he used the house now loans as collateral, the bank must consider the appropriateness of the mortgage.2.A good security: Simplified application process: For consumers to apply for guarantee the process is relatively simple, and both sides of the need to pay the fee is relatively low.If guarantee application process is too complex will delay the consumers borrowing time, exorbitant fees would rush warranty costs.Stable value: The collateral must remain stable value from beginning to end, this will affect the role of collateral in the collateral in the process.So before the guarantee must be an accurate assessment of the value of the collateral, and to ensure that in the next period of time the collateral remains its original value.There are a lot of uncertainties in the value of company's stock, land, housing, their value is not constant.Liquidity: when a lender has repayment problems, he needs to sell assets, and release the guarantee, the lifting of the guarantee of the time spent longer, the greater losses for banks.Good collateral can quickly relieve the guarantee, and can be turn into cash as soon as possible.3.Several types of security: Heritable security, life assurance, stock and shares, cash, goods, guarantees.Stock and shares which issued by government, local authorities, and companies.Advantages: Stock and shares are easy to measure the value.Stock and shares are easily to turn into cash.Some shares could remain stable value.Disadvantages: there is an uncertainty of value, the value could be raise or fall in the future.Some company set rules to avoid shareholder to use their stock as security.Guarantees help people who do not have assets as security.Guarantees are easy to take, Guarantees do not have to check the title of property for borrowers.If borrowers have additional security, it could strength the guarantee.If the borrower failed to repayment after the contract period, they will pay expensive premium.For example, Peter wants loans from the bank, but he does not have any security;The guarantee helps Peter’s loan planning, he could receive loans through guarantees;However, if he could not repay the debt, he will pay for a heavy cost.4.Several business lending products: Buying outright, business overdrafts, term loans, factor and invoice discounting.Buying outright helps the company buy assets.The company completely have the ownership of the property.The agreement is very flexible and east to arrange withdraw ant time.For credit side, when the interest falls in the future, the company have to pay higher interest rates.The company have to pay the full cost of the property, they could not spare these money to do other business activities.The company takes all risks for the property.The company takes the maintenance of the property.Business overdrafts allows the company to have a sum of overdraft.These overdrafts could solve financial problems.The facilities in company are payable for debts.The business only to have pay the interest from the beginning of the overdraft.For example, a new factory is planning to buy machinery, but they have shortage on finance, they could use business over drafts to solve the problem, and the interest will be calculated since the date they apply these loans.Term loans can be pay for shorter-term or longer-term assets.For example, ABC company is planning use term loan to buy some computer device for management department, the loan is the shorter-term.Factoring and invoice Discounting, when the contract was reached an agreement both buyer and seller, the sell receive the money at one, they do not need to wait for the time when customer started to transfer the money.For example, Black Forest Ltd was reached an agreement with its customer, with factoring and discounting, the company could receive the money immediately, they do not need to wait their customers for payments.5.Commercial lending is quiet different from personal lending, commercial lending needs more steps, the borrower must provides business plan, the lender must visit the company to know more about the borrower.Business plan.It is an important fact whether the lender decided to lend money to the company.It records the company current situation and future direction.The business plan includes executive summary, market analysis, company description, organization, marketing strategy, service and product, funding requirement.Executive summary: it is an important part of business plan, it described the purpose of loan, the planning time of business, the function of company’s departments.Business structure:

第三篇：个人信贷HND考试

个人信贷

1.The principles of lending—PARSERS 1)Personal aspects Character—there is an interview between borrower and lender, the lender will ask some question to confirm the honest and reliability of the borrower.Capital—the amount of capital or finance provided by the borrower that may suggest the level of the owner’s commitment to the purpose of the loan.2)Amount and Purpose of loan

The lender must ensure that the propose of the loan is acceptable.3)Repayment method and timing It should be ensure the borrower use what methods and the time of paying the interest and capital repayment.4)Safety margin and security All lending carries an element of risk because repayment is in the future and no one can be certain of the future.The ultimate risk to be guarded against is the borrower’s bankruptcy and, should the advance be for more than the unsupported credit justifies security should be taken.5)Expediency

Specific circumstance must be concrete analysis.6)Remuneration—interest, Fees and Commissions

Lending is the most profitable part of a bank and building society’s business.The lender profits from loans through the interest which the majority of the earnings will normally come from the interest earned on the overdraft or loan, and commission which may be possible to generate one-off payments via facility frees.7)Services Most institution target employees in relation to the selling of other non-lending product.These will often be life insurance products that can generate a fee related to the premium.2.Personal lending products Personal loan(P:78)Person loan is kind of medium-term borrowing.Advantage  Personal loan usually available for sum of £500 to £2500, and it can be arranged for six months to ten years. Personal loans are always unsecured. Personal loan can be arranged to cover most purpose such as car purchase. The interest rate of the personal loan is fixed at the start of loan period. The interest of loan is higher.3.房屋抵押：

第一步：评估房子，由第三方来评估（P:45）

Firstly, the property should be valued its market value, and the lender will require a reinstatement value of the property.All the process of value the property should be completed by third part.第二步：确认房子的所有权

Secondly check the ownership of the house.It is very important because if the borrower cannot pay the mortgage, the lender will confiscate the property as punishment.At the end of loan, the title to the property will be return to the borrower.第三步：完成标准抵押（completing the security P:46）

Thirdly, a lender will need to instruct solicitors to act in the preparation and completion of the security.第四步：去管理局注册

Finally, go to the related authority register and the bank will bank will become the first right to dispose of the house.4.计算题

1)Current ratio

2)Quick ratio

3)Net profit ratio

4)Gross profit ratio

5)Gearing

6)Debtor ratio

5.Security The standard security(P:39)A standard security is the method used to secure any asst that is classed as a heritable security.Advantage  Property price increase is stable, bank are willing to take in the property as security. The title of the property is clearly, the potential problem is small.Disadvantage  It is hard to sell the property, so the cashability is low. There are substantial costs involved in taking these securities and these cost have to be passed in to borrower.Stock and shares(P:65)Most shares that are used as security are quoted on the London Stock Exchange.Advantage

 The cashability of the stock and share are strong.It is easy to sell the shares and stocks  It is easy to transfer the title of stock and shares.Disadvantage

 Value of the stock and shares are fluctuating. There may be restrictions by private companies on whom shares can sold to, and at what price.6.Warning signs  There is an unexpectedly increase of the turnover on the account, it means this could suggest overtrading. There is a decrease of the turnover on the account;it could suggest a downturn in trading. The direct debts an new standing orders being issued by the borrower, it may suggest additional borrowing facilities are being obtained from other lenders  If the company stops to pay its check, it may suggest the company don’t want to paying the check or delay paying the check. The company have a overdraft excesses which one is unauthorized  The company demand more overdraft limit.

第四篇：信贷个人工作总结

信贷个人工作总结

“路漫漫其修远兮，吾将上下而求索”，这句屈原的诗歌用在我身上是很恰当的，我在信用社工作了很多年了，虽然工作的任务和我早都知道了，可是我还是觉得自己学的还是不够，还要认真努力的工作。

在过去的一年中，我做的还是不错的，虽然“天将降大任于斯人也，必先苦其心志。劳其筋骨，饿其体肤，行拂乱其所为”，但是我经受住了这些考验，我在工作中达到的一定的高度。

2017年，在联社信贷科与信用社领导的关心及全体同志的帮助下，我认真学习业务知识和业务技能，积极主动的履行工作职责，较好的完成了本的工作任务，在思想觉悟、业务素质、操作技能、优质服务方面都有了一定的提高。现将本的个人工作总结如下：

一、精诚团结，为提高经营效益尽心尽力。

一年来，我与同事们能搞好团结，服从领导的安排，积极主动的做好其他工作，为全社经营目标的顺利完成而同心同德，尽心尽力。

1、勤勤恳恳的完成领导交办的其他任务，除做好本职工作外，我还按照领导的安排做好其他工作，如每天的上门收款，旺季时深入到学校代收学费等，都能够与大家一起协调好，共同完成任务。

2、千方百计拉存款，我经常利用业余时间走亲串朋动员储蓄存款，为壮大信用社实力不遗余力，全年共吸储xx多万元，较好的完成了信用社下达的任务。

3、积极主动的营销贷款，我不断强化贷款营销意识，破除“惧贷”的思想，寻求效益好的贷户，在保证信贷资产质量的前提下，主动做好贷户的市场调查，对于那些有市场、讲信用的个体工商户给予信贷支持，全年累放贷款xxx多万元，年底余额xxx万元，无一笔逾期。

二、加强学习，努力提高政治与业务素质。

一年来，我能够认真学习建设具有中国特色社会主义的理论，自觉贯彻执行党和国家制定的路线、方针、政策，具有全心全意为人民服务的意识。能遵纪守法，敢于同违法乱纪行为作斗争，忠于职守、实事求是、廉洁奉公、遵守职业道德和社会公德。

认真学习了“三个代表”精神，能较好的理解了“三个代表”精神的，在“三个代表”学习过程中，能及时的发现存在的问题及对“三个代表”精神领悟不透的地方并及时加强学习，予以改正，使我在思想觉悟方面有了一定的进步。

同时，利用工余时间认真学习金融业务知识，不断充实自己的工作经验，对于联社下发的各种学习资料能够融会贯通，学以致用，业务工作能力、综合分析能力、协调办事能力、文字语言表达能力等方面，都有了很大的提高。

三、履行职责，踏踏实实的做好本职工作。

我热爱自己的本职工作，能够正确认真的去对待每一项工作任务，把党和国家的金融政策及精神灵活的体现在工作中，在工作中能够采取积极主动，认真遵守规章制度，能够及时完成领导交给各项的工作任务。

1、提高工作质量，及时准确的做好信贷基础资料的管理。

搞好信贷基础资料的记载、收集、管理，是信贷内勤重要的工作之一，这项工作即繁琐又重要，需要经常加班加点来完成。我坚持做到了当天帐务当天处理完毕，从台帐、分户帐，到插卡、抽卡;从销帐、记息，到登记贷户经济档案，全部核对从不过夜。

2、严格规章制度，把好信贷资产质量的第一道关口。

作为一名信贷内勤，我深感自己肩上的担子的分量，稍有疏忽就有可能出现信贷风险。因此，我不断的提醒自己，不断的增强责任心。

针对城区居民集中，贷款户身份证容易使用混乱的状况，我建议领导将贷户的证件按申请先后顺序登记名字、号码后，在城区信用社全部核查，确定无贷款后再办理手续。

一年来无论是炎热的夏季，还是寒冷的冬天，我坚持到其他信用社核查，对于多户贷款者、垒大户者坚决不予办理。同时，为了更好的把关守口，我还通过关系，向有关单位的同志，学会了真假身份证的辨别能力，只要是假的证件，我一眼就能辨别出来，从而把好了信贷资产质量的第一道关口。

3、坚持信贷原则，做好贷款的审查。

我深知：信贷资产的质量事关信用社经营发展大计，责任重于泰山，丝毫马虎不得。

一年来，我坚持贷款的“三查”制度和联社制定的信贷管理制度，对每一笔贷款都一丝不苟地认真审查，从借款人的主体资格、信用情况、生产经营项目的现状与前景、还款能力，到保证人的资格、保证能力，抵、质押物的合法有效性;从库存的检查、往来账目的核对到房屋和设备的实地考察;从资产负债情况的计算、产销量和利润的分析到经营项目现金净流量的研究、贷款风险度的测定，直至提出贷与不贷的理由，每一个环节我都是仔细审查，没有一丝一毫的懈怠。

在贷前审查时，我做到了“三个必须”，即贷款条件必须符合政策、贷款证件必须是合法原件、贷款人与保证人必须到场核实签字，并且做到生人熟人一样对待，保证了贷款发放的合规、合法。

回顾一年的工作，自己感到仍有不少不足之处：

1、只是满足自身任务的完成，工作开拓不够大胆。

2、业务素质提高不快，对新的业务知识学的还不够、不透;

3、本职工作与其他同行相比还有差距，创新意识不强;

一年来，本人在支行党组的领导下，按照党员领导干部的标准严格要求自己，坚定政治信念，加强政治理论、法律法规、金融知识学习，转变工作理念，改进工作作风，坚持廉洁自律，自觉遵纪守法，认真履行职责，以实际行动实践“三个代表”。

本人分管、协管的股室较多，工作范围广、任务重、责任大，由于本人正确理解上级的工作部署，坚定执行党和国家的金融方针政策，严格执行支行的规章制度，较好地履行了作为行政职务和作为专业技术职务的职责，发挥了领导管理和组织协调能力，充分调动广大员工的工作积极性，较好地完成了分管和协管股室全年的工作任务。

在新的一年里，我将努力克服自身的不足，在专业科和信用社的领导下，认真学习，努力提高自身素质，积极开拓，履行工作职责，服从领导。当好参谋助手，与全体职工一起，团结一致，为我社经营效益的提高，完成将来一年的各项目标任务作出自己应有的贡献。信贷个人工作总结

我原是xx邮电支行下面的一名普通营业员，自转岗信贷工作仅半年，调查贷款客户达40位，成功放款20笔，发放贷款达93万元，而且所有贷款均属于正常类贷款。自在信贷路上从零开始的艰辛跋涉。我认为有以下几点体会;

面对一个全新的岗位，开始我还真有些胆怯。从19xx年参加工作以来，本人一直在邮政储蓄一线做柜员，基本上是坐等客户上门。而新的岗位需要三天两头跑到客户家中，实地了解客户的基本情况、经营信息，调查掌握客户的贷款用途、还款意愿，分析客户的还款能力。这些对于不善与人交流的我来说，实在是太难了。起初的一个月里，我总在心里想，把钱放出去还不上怎么办?有时打起了退堂鼓，觉得还是继续干老本行比较好。

支行领导了解到信贷员们的普遍心态后，及时和大家座谈，让大家解放思想，放下包袱，说：“还没干就不要轻易否定自己，你们一定会慢慢地喜欢上信贷这个岗位的。”领导的耐心开导和对发展前景的描绘，使大家对自己的工作渐渐鼓起了勇气。思想顾虑消除了，整个队伍开始有了活力。我和大家一样，也受到了很大鼓舞，下定决心从零开始学起。

通过专业化的培训和自学，渐渐地掌握了小额贷款业务和操作流程。

通过支行前期的大力宣传，陆续有一些有需求的客户开始上门咨询，我也迎来了第一位贷款客户。那天，我怀着复杂的心情，与另一名同事坐了一个半小时的公车来到了xx村。这位客户是个农户，有十多年的养殖历史，对市场非常了解。在客户家，我作了自我介绍后，便开始按培训时要求的调查顺序逐项询问。由于是第一次与客户进行“营销”交流，加上对xx行业了解不够，心里很紧张，问了不到20分钟，客户突然说：“我不贷了，你们走吧，不就是从你们邮局贷点款嘛，跟审犯人似的。”我见状，赶忙解释，可这位农户就是不再配合了。无奈，我与同事扫兴而归，第一次营销就此“流产”。

回去的路上，我翻来覆去地回忆刚才的场景，又问同事的感受是什么。经过分析，我找到了答案：问题不在客户，完全是自己根本不会跟客户交流，不懂对方的需求和困难所在才造成了尴尬局面。

扪心自问，如果总是这样不善于与客户交流沟通，以后谁还敢来找我贷款?不行，必须改，从头练!从此，每天上班后就和同事们一起上街作宣传，与小商户们聊天，练习介绍贷款业务;下班后还走亲访友，介绍邮储小额贷款，把他们当成练习对象。功夫不负有心人。现在我自认为交流技巧有了很大提高。辛劳踏出丰收路

邮储小额贷款如何融入当地经济，成了支行信贷工作的重要突破点。我们调查得知：。

开发信用村将是支行以后的重点发展客户，深入了解掌握农户的经营情况和规律，尽快了解行业，是自己的首要任务。通过亲戚找到几户农户，与同事一起实地去了解情况。时间一长，渐渐地习惯了这种工作。

半年的工作业绩虽然不理想，但我深感自己的工作离不开领导和信贷部团队对我的关心和支持;同时，更感激一直默默无闻在背后支持我工作的家人。我要用“舍小家顾大家”的敬业精神，努力工作争起做一名合格的邮政银行信贷员。信贷个人工作总结

大学毕业到现在已经几年了，毕业以后我就考取了银行的工作，来到我们的农商行。时间悄然走过，今年我成为了农商行的一名客户经理，做信贷工作的日子已经有了差不多10个多月，感触甚多。在刚开始的时候我并不熟悉我的工作，还好我认真努力的工作，积极的熟悉我的工作业务。现将本的工作总结如下：

首先谈谈我个人的工作态度，这份工作是我大学毕业后的第一份工作，因此我视其如宝。从培训到工作这段时间里，常常听到很多人说这份工作太辛苦、太劳累，但出于多这行的热爱，我也咬牙坚持了下来。有人说工资太低，而我眼光不会那么肤浅，我看到是未来的舞台而不是现在的待遇，况且进行后发现工资待遇也不错。现在我真的特别喜欢这份工作，因为在这里我可以看到实现我人生的价值和梦想。

在工作过程中，我发现这份工作单单不是放款收款那么简单而容易，而是要自己所要学习的东西还有很多很多。比如：做过一件事，总会有经验和教训。为便于今后的工作，须对以往工作的经验和教训进行分析、研究、概括、集中，并上升到理论的高度来认识。第一、要学会看人，要学会看企业状况。因为我们是做贷款，如果你第一步看错了，以后收贷款的时候说再多的好话，恐怕都很难达到你预期的效果。收款最怕的就是这种有钱但不愿意还的人，而不是实在没有钱没有办法还的人。

第二、要学会培养客户、留住客户，但更要记住“打江山容易守江山难”这句话，我们不仅要在原有的基础上开发新客户，但更要要老客户维护好，老客户往往会给你有“意外”的惊喜。

打下的“江山”我们必须要想到以后如何地守住“江山”。贷户是人，人是有感情的，当他们成为我们的顾客时，我们要用真诚的心对待他们，在他们有困难的时候我们帮助他。我们要努力成为他们的“知心朋友”，要是做到这点那么这客户你是就放心。我们农商行就有我们这批人，有像我们这样走进村村户户农家服务，将金融便利带进园区，处处为客户着想。第三、要学会管理。我们的客户多了，如果你没有很好的管理能力，那么你的问题就来了，问题烦到你心烦、郁闷。首先你得学会合理分配你的时间，这样你才能更好地工作。虽然你的时间是为贷户而定，而贷户是很多，你不可能满足所有贷户，那么我们就得学会如何管理好自己的贷户。还有一个，你必须学会管理账目，因为我们做的金融业务涉及是钱的问题，而人们对钱是最严肃和认真的。我们不能马虎、不能大意，我们要认真管理好自己的账单对贷户负责、对农商行负责、更是要对自己负责。

第四、要学会做人。

“要学会做事，先得学会做人”其实这句话是非常有道理。如果你不会做人，那么你就不会做出更好的事情。因为你做事时，首先面对的是人，当你进入一个公司你不能马上适应你的工作环境、你的人际关系，何谈做出更好的事。我们首先必须在自己所在的农商行跟老员工沟通好，处理好人际关系，做到天天上班都是怀着愉快的心情、带着积极向上的精神风貌，做到农商行就是我家，到农商行就像回到自己温暖、和谐的家里一样幸福快乐。面对顾客时，我们更好做好自己本职的工作，展现自己优秀的服务态度、专业素质，做到贷户和自己是亲如一家人。还有我们要学会时常回访客户。我们的业务不是放出贷款就完了，而是要收回贷款，那么我们就要保持和贷户有良好的联系，有着他们的最新收成信息、有着他们的思想动态，这样我们就不会被动。如果做好这些工作那么我相信业务量会直线上升，以后的回收率更是百分之百。

第五、要熟知专业知识。

1、在领导指导下，明确了工作的程序、方向，提高了工作能力，在具体的工作中形成了一个清晰的工作思路。在成为一名信贷员后，我本着“把工作做的更好”这样一个目标，开拓创新意识，积极圆满的完成领导分配的各项工作，在余限的时间里，加强学习业务工作，为下一步工作打好基础。明确努力方向，提出改进措施。

作为一名信贷员，深地感到肩负重任，自己的一言一行也同时代表了我行的形象，所以更要提高自身的素质，高标准的要求自己，加强自己的专业知识和技能。

2、认真、按时、高效率地做好行里所交办的具体工作。为了工作的顺利进行及与各支行之间的工作协调，除了做好本职工作，积极配合本行其他同事做好工作。

3、工作态度和勤奋敬业方面。要热爱自己的本职工作，能够正确认真地对待工作的每个细节，热心为农民服务，认真遵守劳动纪律，保证按时出勤，坚守岗位。

总结了这10多个月来的工作，尽管有了一定的进步，但在很多方面还存在着不足。比如有创造性的工作思路还不是很多，个别工作做的还不够完善，业务类客户资料太少，这有待于在今后的工作中加以改进。在以后的日子里，我将认真学习各项政策规章制度，努力使工作效率全面进入一个新水平，为农商行的发展做出更大更多的贡献。

第五篇：个人信贷调查报告

个人信贷调查报告

撰写调查评估报告的思路及其意义

无论是银行贷款还是企业融资，撰写调查评估报告是非常重要的一个环节，其意义并不仅仅在编写文字的本身，而是通过撰写此报告书向对方传递一个项目存在和可信性价值的信息。因此，作为银行的客户经理，实质上扮演的是一个投资银行中项目经理的角色，其本质上的区别是被动地服务和主动地引导。作为项目经理不仅需要具备良好的金融素养，还需要掌握企业运营的基本规律，对产品和市场有敏感的判断，这些都将成为每位项目经理对项目进行调查的重点，也会在报告书中反应出来，以便为决策者提供判断的依据。从金融

本身来讲，资金的安全性是第一位的，其次才是回报率，这也就是我们为何需要通过抵押、担保、保证等手段来作为贷款的必要条件。但仅有上述条件并不能就说明项目的本质，这也就是调查报告的另一层意义，通过调查，我们需要确切掌握企业的情况如何，简单来讲，也就是我们需要了解融资的企业是不是赚钱，如何赚钱！

编制调查评估报告大致可由如下方面构成：

1.项目概要

这是最重要的一部分。概要部分需要把重要的所有信息汇集起来，一般要包括：机构的背景信息、使命与宗旨；项目要解决的

问题与解决的方法；项目申请方的能力和以往的成功经验，等等。

2.项目背景、存在的问题与需求

在这一部分，需要详细介绍存在的问题以及为什么要设计这个项目来解决这些问题。要充分地说明问题的严重性

与紧迫性，最好能提供一些数据，这样不但可以充分地说明问题，同时还能表明你对这一项目的了解。要说明项目的起因、逻辑上的因果关系、受益群体及其与其它社会问题之间的关联等。

一般来讲，这一部分包括以下主要信息：

* 项目范围；

* 导致项目产生的宏观与社会环境；

* 提出这个项目的理由与原因；

* 其它长远与战略意义；

3.目标与产出

在这一部分中要详细地介绍项目计划、项目的总体目标、阶段性目标与任务，以及各目标的评估标准。总体目标是一个长期的、宏观的、概念性的、比较抽象的描述。由总体目标可以分解成一系列具体的、可衡量的、可实现的、带有明确时间标记的阶段性目标。对目标的陈述一定要非常清楚。最重要的是，制定的目标要切合实际。在项目完成报

告里看到的是：项目实际上实现了这些既定目标。

4、受益群体

在这一部分中，要对项目的收益群体做一个更加详细的描述。有必要时，还可以把收益群体分为直接受益和间接收益群体。比如一个残疾人服务机构，其直接收益群体是残疾人群，间接收益群体则是他们的家庭，甚至是整个社会。

5、解决方案与实施方法

这里需要介绍如何达到目标，即采用什么方法、开展什么活动来实现这些目标。

在说明方法时，要特别说明这种方法的优越特性。可以同时列举出其它相关的方法，并对它们进行比较，还可以引用专家的观点和其它失败或成功的案例，等等。总之，要充分说明选择的方法是最科学、最有效、最经济的。同时，也要说明机构在采用这种方法时，也存在一定的风险与挑战。

此外，还要提到为了执行这一解决

方案，都需要那些条件与资源，包括：谁？在什么时候？使用什么样的设备？做什么样的事情？做这些事情的人要具备什么样的能力与技能等。最好能在附件中详细描述一下主要工作岗位的职务要求。

6、项目进程计划

在这一部分中，要详细地描述出各项任务的先后顺序以及起始时间。可以用一个带有时间标记的图表来表示，这样，就可以一目了然地告诉我们融资企业“在什么时候做什么”，以及各项活动之间的关联与因果关系。

7、项目组织架构

在这一部分中，要描述为了达成上述目标，需要什么样的执行团队和管理结构。执行团队应包括所有项目组成员：志愿者、专家顾问、专职人员等。他们与这个项目相关的工作经验、专业背景、学历等也非常重要。执行团队的经验与能力往往在很大程度上决定了项目的成败。

另外，还要明确项目的管理结构。应该明晰地写出项目总负责人、财务负责人及其它各分项目的负责人。如果是两个或多个机构合作完成一个项目，还要说明各机构的分工。

工作流程也要很清楚，要说明各项工作的先后顺序、逻辑关系等。

8、费用、预算与效益

这一部分所要提供的决不仅仅是一个费用预算表，而是要叙述和分析预算表中的各项数据、总成本与各分成本，包括人员、设备的费用等。其中，人员经费类别可以包括工资、福利和咨询专家的费用；非人员经费类别可以包括差旅费、设备和通讯费等。如果已经有了

一部分资金来源，也要注明。而且，要很明显地写出你还需要总数为多少的经费上的支持。

上面提到的是投入，还有一个很重要的部分是产出的效益。另外，与项目相关的财务与审计方法也要在这部分中提到。

9、监控

监控是项目实施过程中非常重要的部分，不仅是银行机构进行监控，企业内部监控的执行机构与人员、监控任务等都应该写在项目计划中。项目的实施方法是资助方评判是一个非常重要的因素。

监控报告应该包括：项目的进展与完成情况、原定计划与现实状况的比较、预测未来实现计划的可能性等。这部分也是我们作为贷后检查的重要依据和评判标准。

10、附件

比如：机构的介绍、年报、财务与审计报告、名单、数据、图表等。