私募基金产品风控流程(深)YYTF-20150602私募基金产品风控流程——资本管理有限公司风控流程与管理制度目录第一章受理..............................................................................................................................................2一、申请受理..................................................................................................................................2二、尽职调查..................................................................................................................................3（一）资料审核......................................................................................................................3（二)实地调查.........................................................................................................................4（三）综合分析......................................................................................................................4(四)尽调报告............................................................................................................................4第二章审批..............................................................................................................................................5一、借款项目审批流程..................................................................................................................5二、项目风控评审委员会（评审会）..........................................................................................5三、复议..........................................................................................................................................6第三章放款............................................................................................................................................7一、放款审批流程：......................................................................................................................7二、签订合同..................................................................................................................................7三、落实担保措施..........................................................................................................................7第四章贷后管理......................................................................................................................................9一、首贷检查..................................................................................................................................9二、日常贷后检查........................................................................................................................10三、预警信号..............................................................................................................................10第1页共19页私募基金产品风控流程(深)YYTF-20150602(一）客户管理层或关键技术人员变化的信号...................................................................10（二）业务运营环境变化的信号........................................................................................10(三）财务状况变化信号.......................................................................................................10（四）客户履约能力变化信号............................................................................................12(五）非财务信息提示....................
