Chapter Three Credit Analysis Practical Learning Objectives - World Credit Organization

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ICE8000 credit knowledge column
  • 1. "Introduction to ICE8000 Credit Knowledge"
  • 2. "Building an Integrity Unit——ICE8000 Integrity Management"
  • 3. "ICE8000 Credit Investigation, Analysis, Rating"

    • Chapter 3 Credit Analysis Practical Learning Objectives

    Main content

    Credit analysis is a combination of subjectivity and objectivity. With the same information, different credit analysts may draw different conclusions. Keeping neutral and calm is one of the principles that credit analysts always adhere to.

    This chapter mainly introduces the methods and ideas of credit analysis.

    Learning Objectives

    After studying this chapter, you should:

    1. Be able to analyze credit and get your own conclusions;

    2. Combining the knowledge of the previous chapter and "ICE8000 Credit Rating Standards", write a credit rating work plan and a credit rating report.

    Administrative Questions

    1. Manager Li is the manager of the credit management department of Huazheng Group, and he is very depressed recently. The company was going to conduct a project bidding, and the general manager asked it to investigate and analyze the contract performance capabilities of the corresponding bidders. At the same time, no funds were allocated.

    What should Manager Li do?

    Second, Lao Zhang is the manager of Guarantee Department 1 of Zhixiang Credit Guarantee Company, Xiao Li and Xiao Wang are staff members of this department, Xiao Wang is mainly responsible for credit investigation, and Xiao Li is mainly responsible for credit analysis.

    The job duties of Guarantee Department I are: to receive guarantee applications, review the guarantee applications, write out the review report and submit it to the general manager.

    The general manager requires a guarantee to make an analysis and judgment on the due debt repayment ability of the applicant.

    How to analyze and judge the solvency of a unit in a certain period in the future?

    The above content is excerpted from "ICE8000 Credit Investigation, Analysis, and Rating" (written by Fang Bangjian, free to use, but please indicate the source)