保理业务风险管理办法目录目录.......................................................................................................................................................1一、目的.............................................................................................................................................2二、主要内容.........................................................................................................................................2三、适用范围.........................................................................................................................................2四、保理业务风险管理体系.........................................................................................................24.1风险管理全员防范体系.........................................................................................................24.2保理业务风险管理范围.........................................................................................................4五、保理业务操作要求及流程.............................................................................................................55.1业务流程概述..........................................................................................................................55.2客户申请保理业务需要提交的资料.......................................................................................55.3保理业务融资额度申请与方案设定.......................................................................................55.4申请保理业务的应收账款债权应符合以下条件...................................................................65.5审查要点..................................................................................................................................7六、保理额度管理.................................................................................................................................76.1名称解释..................................................................................................................................76.2额度使用控制.........................................................................................................................8七、应收回款管理...............................................................................................................................107.1应收帐款的确认...................................................................................................................107.2回款风险管理.......................................................................................................................10八、保理业务风险全流程管理...........................................................................................................128.1风险全程分级责任人及职责...............................................................................................128.2催收工作程序.......................................................................................................................12九、生效日期.......................................................................................................................................13附件1：................................................................................................................................................14附件2...
