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通常,银行对借款人进行审查时,主要从财务报告中获取资产负债、经营情况等信息。随着市场经济的发展,我国的国际化程度正日益深化,新型金融产品不断推出,国内人民币利率市场化进程也在进一步加快,这使得部分企业所面临的市场风险逐渐加大。因此,对于银行来说,只有将企业所面临的所有市场风险均纳入授信审查范围,才能掌握企业整体风险状况。本文拟根据企业面临的利率风
Generally, when the bank reviews the borrower, it mainly obtains information such as assets and liabilities and business conditions from the financial report. With the development of market economy, the degree of internationalization of our country is deepening day by day. The introduction of new financial products and the marketization of domestic RMB interest rates are also accelerating. This has led to the gradual increase of market risks faced by some enterprises. Therefore, for banks, only all the market risks faced by enterprises are included in the scope of credit review, in order to grasp the overall risk status of enterprises. This article is based on interest rates faced by enterprises wind