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放款業務之查核(Ppt)
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Dan Liao
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一、放款有關規範 二、放款風險管理 三、利害關係人放款查核 四、放款風險集中之查核 五、徵信、鑑價與核貸之查核 六、放款貸後管理暨逾放件之查核
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放款業務之查核(Ppt)
1.
放款業務之查核 ( 2009/08
) 講師:廖崇仁 電話: 0932-845345 MAIL : [email_address]
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廖崇仁
美國達拉斯大學 (U. of Dallas) 企管碩士 國立台北大學 ( 原興大法商 ) 法律系畢業 現任:中國科技大學 財金系兼任講師 經歷: 1. 國泰人壽放款部經理、行政中心主任 營業區部經理 2. 國泰綜合醫院 院長室主任
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二之 ( 一
) 建立放款 風險管理 共識 誠懇溝通 互信互助 加強風險管理 1. 債權確保優先 2. 質量並重 3. 擔保品不是一切 4. 專精放款專業 1. 業績第一 2. 希望每件都過關 3. 房屋擔保怕什麼 4. 專精保險行銷 ( 放款單位 ) (業務單位)
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四之 ( 二
) 同一關係人放款限額 1. 對同一自然人或同一關係人中屬自然人之放款總餘額未達新 台幣 3,000 萬元者,得以新台幣 3,000 萬元為最高限額。 2. 對同一法人、同一關係人或同一關係企業之放款總餘額未達 新台幣 3 億元者,得以新台幣 3 億元為最高限額。 下列放款不計入同一關係人限額: 1. 辦理專案運用、公共及社會 福利事業投資之放款。 2. 以公債、國庫券、央行可轉讓 定期存單為擔保之放款,或壽險 業以各該保險業所簽發之人壽保 險單為質之放款。 3. 經主管機關專案核定之放款。 40% 同一關係企業 40 % ( 自然人 6%) 同一關係人 20 % 同一法人 3 % 同一自然人 業主權益 關係人
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六之 ( 四
) 逾放件 之催理( Ⅰ ) 處理方式 經過法院 不經法院 民訴 訴訟 假 扣押 支付 命令 和解 抵銷 催告 強制 執行 催收 拍賣 抵押物 裁定
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結論 風險管理 遵守法令
符合 利害關係人放款規定 落實 徵信鑑價 與核貸 作好 貸後管理暨逾放件處理 避免 放款風險 集中
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