附件2招商银行小企业信贷政策2012-01第2页共66页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共66页招商银行小企业信贷政策目录1.政策概论................................................61.1政策目标..............................................................61.2基本风险原则..........................................................61.3政策适用..............................................................71.3.1小企业标准...........................................................................................................71.3.2信用风险敞口限额...............................................................................................71.4风险定价..............................................................81.4.1风险定价原则.......................................................................................................81.4.2风险定价策略.......................................................................................................82.目标市场管理............................................82.1目标市场..............................................................92.2非目标市场...........................................................102.3禁止介入类...........................................................103.客户准入管理...........................................103.1客户准入标准.........................................................103.1.1基本准入底线.....................................................................................................113.1.2可接受标准.........................................................................................................113.2集团客户规定.........................................................113.3异地客户规定.........................................................124.授信管理及批量授信.....................................124.1授信管理标准.........................................................124.1.1基本底线............................................................................................................124.1.2可接受标准.........................................................................................................124.2批量授信模式指引.....................................................124.2.1专业市场/商圈商户批量授信............................................................................134.2.2“1+N”供应商批量融资模式...........................................................................144.2.3“1+N”经销商批量融资模式...........................................................................144.2.4产业集群客户批量授信......................................................................................154.2.5政府采购供应商批量授信..................................................................................164.2.6园区企业批量授信..............................................................................................17第3页共66页第2页共66页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第3页共66页5.区域投向指引..........................................175.1长三角经济圈.........................................................185.2珠三角地区...........................................................215.3海西地区.............................................................265.4环渤海经济圈...............................................
