credit items
3.This article provides an analysis of risks of asset securitization,including risks of transaction structures, credit risks,risks of recoverable items,interest risks and risks of asset quality and prices as well as an analysis of specific risks in China and causes thereof,and supplies measures to prevent the risks mentioned.
5.This circular contains a large number of contents on adjustment and improvement for consumption tax polices, mainly including: newly increase tax items, tax items have been eliminated, adjusted tax items, deduction of taxes paid, the national average profit to cost ratio for newly increased tax items and adjusted tax items and relevant regulations on tax credit.
6.Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as (1)The loan pricing not been involved in the decision mechanism of credit; (2) Lacking of risk price ration system; (3) Mismatching between the interest rate and the risk of the loan items.
7.In the balance sheet, cash is listed first among the current as-sets, because it is the most current and liquid of all assets and the banker, credit manager, or investor who studies a balance sheet critically is always interested in the total amount of cash as compared with other balance sheet items, such as accounts payable.
10.Legal services on finance: Conduct the overall planning and statement on bank loan projects; Supply the legal services concerned on bank loan; Act as the legal adviser for the government owned commercial banks, joint stock commercial banks, city commercial banks and Investment banks; Draft, review, amend the contract on banking; Participate in the negotiation, testimony and maintenance of the non lawsuit monetary items; Examine the standing of the borrowers; Conduct the lawsuit and arbitration on the disputes on Letter of Credit, deposit receipt, entrust loan, capital call market, bank bill.

