评审管理工作手册****担保有限公司评审管理工作手册目录第一章评审部岗位职责....................................................31.1评审经理.......................................................................................................................31.2评审人员.......................................................................................................................41.3风险控制人员...............................................................................................................5第二章评审要领................................................................62.1风险控制的基本原则...............................................................................6一．从控制风险的角度考虑，设定各种条件下的最大担保额...........................6二．设定申请担保企业应具备的基本条件............................................................6三．设定不能提供担保的条件................................................................................72.2担保项目审查与评估...............................................................................8一．现场考察............................................................................................................8二．资料审查............................................................................................................8三．项目评估..........................................................................................................12第三章风险管理..............................................................163.1风险管理基本程序.................................................................................163.2担保机构的风险管理.............................................................................17一．担保机构风险的种类......................................................................................17二．担保机构风险控制和风险管理的措施.....................................................18第四章评审管理操作实务............................................214.1担保业务（法人）评审标准（保前调查部分）.............................214.2识别贷款风险（保前调查部分）.....................................................23一、财务状况预警信号..........................................................................................23二、经济效益壮况预警信号..................................................................................24三、内部核算情况预警信号..................................................................................25四、担保状况预警信号..........................................................................................25五、财务因素预非警信号......................................................................................251评审管理工作手册六、与金融部门关系的预警信号..........................................................................264.3担保业务后期监督和管理（保后调查部分）....................................274.4担保责任的代偿和追偿（代偿和追偿部分）....................................28一.代偿前的核查....................................................................................................28二.落实代偿后的追偿权........................................................................................29三.填写好代偿业务处理流程表............................................................................29第三章担保客户分类...