广州**集团公司经营业务操作基本流程管理手册（试行）二○一二年十二月经营业务操作基本流程管理手册本流程管理手册电子版查阅快捷方式说明一、鼠标指向目录任一章节，按住CTRL并点击鼠标可链接到相应章节的正文。如果出现“由于本机受限，不能操作”的对话框时，可按如下设置后再操作：鼠标指向“浏览器”点击“右键”——选择“程序”——将浏览器“设为默认值”——选择“确定”。二、按住CTRL并点击HOME键可到首页。.三、按住CTRL并点击END键可到尾页。四、按住CTRL+G输入页码，再按回车键，可跳转至指定页。第1页共77页目录第一章总则....................................................................5一、目的...................................................................5二、适用范围...............................................................5三、监管部门...............................................................5第二章客户管理规范............................................................5一、客户授信管理流程和相关要求.............................................5（一）提出申请.........................................................6（二）客户审核.........................................................7（三）客户评审.........................................................9（四）协同填报客户授信申请............................................11（五）动态跟踪授信....................................................13（六）客户档案管理....................................................13二、非授信类客户管理流程..................................................14三、支持文件..............................................................15第三章合同管理规范...........................................................15一、合同范围..............................................................15二、常用合同法律风险指引..................................................15（一）合同共性法律风险指引............................................15(二)购销合同........................................................18（三）代理进口合同....................................................21（四）仓储合同........................................................25（五）货物运输合同....................................................27（六）加工承揽合同....................................................28（七）担保合同........................................................29三、合同起草、签订、审批流程..............................................34（一）业务分析报告....................................................34（二）谈判............................................................35（三）合同起草和审核..................................................35（四）合同复审........................................................40（五）分管领导审批....................................................41（六）总经理审批......................................................42（七）法定代表人审批..................................................42（八）领导班子审批....................................................42（九）办理贸易业务和资金审批流程......................................42（十）签字盖章........................................................42四、合同的履行............................................................43五、合同纠纷处理..........................................................44六、合同档案管理..........................................................44（一）合同及相关资料的归档.............
