Two-century sedimentary record of heavy metal pollution from Lake Sayram_ A deep mountain lakeChina

Two-century sedimentary record of heavy metal pollution from Lake Sayram_ A deep mountain lakeChina
Two-century sedimentary record of heavy metal pollution from Lake Sayram_ A deep mountain lakeChina

Two-century sedimentary record of heavy metal pollution from Lake Sayram:A deep mountain lake in central Tianshan,China

Haiao Zeng,Jinglu Wu*,Wen Liu

State Key Laboratory of Lake Science and Environment,Nanjing Institute of Geography and Limnology,Chinese Academy of Sciences,73East Beijing Road, Nanjing210008,PR China

a r t i c l e i n f o

Article history:

Available online17October2013a b s t r a c t

A short sediment core from Lake Sayram,China,was used to develop a high-resolution record of heavy metal inputs from the Tianshan Mountains and the surrounding region over the last200years.We investigated metal inputs to Lake Sayram using the geo-accumulation index(Igeos)and enrichment factors(EFs).Anthropogenic metal?uxes were calculated to quantify the human contribution to heavy metal https://www.360docs.net/doc/1d13701116.html,ke Sayram has been polluted by Cd,As,Pb,and Hg since the1960s,and has had three distinct periods in its pollution history.Prior to1960,metals in Lake Sayram sediments were mainly from natural sources,with very low values of EFs and Igeos.From the1960s to1990s,heavy metal delivery to sediments increased slowly,associated with relatively weak economic development in Xinjiang Province, similar to other areas of China.Thereafter,contamination by heavy metals increased markedly,especially after https://www.360docs.net/doc/1d13701116.html,ke Sayram was considered to be moderately polluted by Cd,Hg,and Pb,and is moderately to strongly polluted by As at present.Contamination by heavy metals varied with economic development of Xinjiang Province.Between1990and2010,anthropogenic accumulation of Cd,As,Pb and Hg increased from4.05to7.30ng/cm2/y,0.27e0.98m g/cm2/y,0.21e0.39m g/cm2/y and0.61e0.83ng/ cm2/y,respectively.Furthermore,the206Pb/207Pb ratio demonstrates that coal burning emissions and Pb in vehicle gasoline were major sources of heavy metal pollution in the Tianshan Mountains region.

ó2013Elsevier Ltd and INQUA.All rights reserved.

1.Introduction

Heavy metals such as cadmium,lead,copper,mercury and zinc are important pollutants of aquatic ecosystems because of their environmental persistence,toxicity and potential for accumulation in food chains(Opfer et al.,2011;Copat et al.,2012).Human ac-tivities such as mining,smelting and?nishing,coal combustion, refuse incineration,and burning of fossil fuels have greatly increased the?uxes of heavy metals to aquatic environments(Han et al.,2007;Thevenon et al.,2011b).Heavy metals enter the aquatic system through surface runoff or atmospheric deposition and accumulate in sediments through adsorption and sedimentation of suspended matter.Thus,lake sediments are important sinks of heavy metals,re?ect the quality of aquatic systems,and provide long-term records of past environmental conditions.Stratigraphic analyses of heavy metals in lacustrine sediments can be used to reconstruct temporal variations in natural and anthropogenic in-puts to the lake ecosystems(Callender and Rice,2000;Dassenakis et al.,2003;Stéphane et al.,2004;Wu et al.,2007;Yuan et al.,2011; Thevenon et al.,2011b;Deepulal et al.,2012).

Recent studies suggest that mountain lakes that are relatively isolated from anthropogenic in?uence act as natural traps for atmospherically transported pollutants,and that metal concen-trations in their sediments can be as high as those in lakes of urban or industrial areas(Han et al.,2007;Rippey et al.,2008;Thevenon et al.,2011a).China has undergone rapid economic development in the past three decades,with an average annual Gross Domestic Product(GDP)growth rate>10%.Large amounts of hazardous materials,including heavy metals generated during industrial processes may move to remote regions and contribute to contam-ination of otherwise pristine environments.Thus,there is a need to quantify metal?uxes from anthropogenic emissions to mountain areas of China.Although long-term changes in environmental pollution by heavy metals have been well established in parts of China(Zeng and Wu,2009;Tang et al.,2010;Yuan et al.,2011),little information is available on temporal trends in atmospheric heavy metal deposition(Han et al.,2007;Wang et al.,2010).

The Tianshan Mountains lie in Central Asia and extend over Xinjiang,China,Kazakhstan,and Kirghizstan,with a total length of 2500km,running east-west and a width ranging from250km to

*Corresponding author.

E-mail address:w.jinglu@https://www.360docs.net/doc/1d13701116.html,(J.

Wu).

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journal h omepage:w

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1040-6182/$e see front matteró2013Elsevier Ltd and INQUA.All rights reserved.

https://www.360docs.net/doc/1d13701116.html,/10.1016/j.quaint.2013.09.047

Quaternary International321(2014)125e131

400km(Hu et al.,1996).Lake Sayram is an alpine lake in the center of the Tianshan Mountains,and is the largest deep lake in China. Human activities around Lake Sayram are very limited.Therefore, sediments in Lake Sayram are important archives of information about past atmospheric contaminant transport.Historical pollution data are useful for understanding the impact of economic devel-opment on the remote high-mountain environment of Lake Sayram.The present study has three objectives:(1)examine the stratigraphic distribution of potentially harmful elements(Cr,Cu, Pb,Cd,Zn,As and Hg)in the sediment of Lake Sayram;(2)elucidate potential input sources of heavy metals;and(3)quantify the contribution of human activities to heavy metals in the sediment.

2.Study site

Lake Sayram(44 300to44 420N,81 050to81 150E)is located near Bole City,in the eastern part of Xinjiang,China.The Lake Sayram basin is a closed,terminal alpine area surrounded by high mountains,including the Kusunmuqieke,Keguqin,Shaliqieke,and Hanziga Mountains(Wang and Dou,1998).The lake has a surface area of453km2,a catchment of1408km2,an elevation of2072m above sea level,a salinity of2.85g/L,a pH of8.8,and a maximum depth of99.0m(Wu et al.,2012).The mean annual temperature is about0.5 C,with a maximum of28.5 C in July and a minimum ofà20.9 C in January.Climate near Lake Sayram is characterized by cold winters,moderately warm summers,and arid conditions. Mean annual precipitation is350mm,which is fairly evenly distributed throughout the year.The prevailing wind is predomi-nantly from the east in winter and west or northwest in summer,as a consequence of the interaction of Mongolian-Siberian high pressures and Indian low https://www.360docs.net/doc/1d13701116.html,ke Sayram’s hydrologic input comes mainly from runoff.The longest river that?ows into the lake is the Sagakele River,18km long(Wang and Dou,1998).3.Materials and methods

3.1.Field sampling

A30-cm-long core was taken from Lake Sayram using a gravity corer in September2010.The selected sampling site was in the deepest area of the lake(Fig.1).The sediment core was used to study past information about the lake environment,the impact of human activities and regional climate changes.On extrusion, sediment in contact with the walls of the core barrel was discarded. The sediment pro?le was sectioned on a plastic sheet at intervals of 0.5cm(Wu et al.,2002).Samples for analysis of heavy metals were freeze-dried in the laboratory before analysis.

https://www.360docs.net/doc/1d13701116.html,boratory analyses

The elements Al,Cr,Cu,Pb,and Zn were determined using American Leeman Labs Pro?le Inductively Coupled Plasma-Atomic Emission Spectrometer(ICP-AES),after digestion with nitric-hydro?uoric-perchloric acid.Standard solution SPEXTM from the US was used as the standard.Quality control was assured by the analysis of duplicate samples,blanks and reference materials(GSD-9and GSD-11,Chinese geological reference materials).The con-centration of As and Cd in solution was determined by ICP-MS. Measurement errors were<10%.A Direct Mercury Analyzer(Hy-dra-C type)(Teledyne Leeman Labs,US)was used to determine Hg concentration as per US EPA(1998).Standard material ESS-3was used to control measurement quality,and the measurement errors were<2.7%.Lead isotope analyses were conducted using a Perkin e Elmer ICP-QMS SCIEX Elan9000(Renberg et al.,2002;Hu et al., 2011).Precision and accuracy were veri?ed using standard refer-ence material from the National Institute of Standards

and

Fig.1.Location of study area and sampling sites.

H.Zeng et al./Quaternary International321(2014)125e131

126

Technology(SRM981common lead isotopic material).The stan-dard values were generally within5%.

The core was dated using210Pb.Activities of210Pb and226Ra were measured using an Ortec HPGe GWL series well-type coaxial low-background intrinsic germanium detector after samples were dried at low temperature(<40 C)and weighed.Excess210Pb (210Pbex)in each sample was obtained by subtracting the activity of

226Ra from the total activity of210Pb(210Pb

tot).Then 210Pbexc was

used to develop a chronology using the constant rate of supply (CRS)dating model(Appleby and Old?eld,1978).

4.Results

4.1.Sediment dating

Vertical distributions of210Pb and137Cs activity in the sediment core are shown in Fig.2A.The210Pbex activity in the core declined from>2047Bq/kg at the core surface to near zero at about22cm (Fig.2A).Excess210Pb activity exhibited an approximately expo-nential decrease with depth,con?rming the absence of bio-turbation in these sediments.The calculated date for the22cm horizon was1880AD.Fig.2B shows the results of the CRS dating model for210Pb and137Cs peaks.The210Pb dates are in good agreement with the137Cs dates.For example,at12cm depth,where the?rst detection of137Cs activity is assumed to correspond to AD 1952(Benoit and Rozan,2001),the CRS model yielded a date of AD 1955.137Cs activity showed a peak at7.5cm,recording the1963 fallout maximum from atmospheric testing of nuclear weapons.At 9.5cm,the CRS model yielded a date of AD1968.Agreement be-tween the two dating approaches suggests that the CRS model was suitable for this core.

4.2.Heavy metal concentrations

Concentrations and natural background values of potentially harmful metals in Lake Sayram sediments are presented in Fig.3. Heavy metals are de?ned as metallic elements that have a relatively high density compared to water.Assuming that“heaviness”and toxicity are related,heavy metals also include metalloids such as arsenic,which can induce toxicity at low levels of exposure(Duffus, 2002).The concentrations of Cr,Cu,Zn,Al,As,Cd,Hg and Pb in the core were in the range of33.0e48.0mg/kg,17.4e28.9mg/kg,53.0e 83.0mg/kg,30.9e43.7g/kg, 5.7e26.8mg/kg,0.16e0.46mg/kg, 0.029e0.087mg/kg,and14.7e32.1mg/kg,respectively,with the mean concentrations of39.0mg/kg(Cr),21.4mg/kg(Cu),65.2mg/ kg(Zn),38.1g/kg(Al),9.4mg/kg(As),0.25mg/kg(Cd),0.054mg/kg (Hg)and19.7mg/kg(Pb).206Pb/207Pb values range from1.175to 1.186,with a mean value of1.183.

The vertical pro?le of heavy metal concentrations along the30-cm sediment core(Fig.3)shows the following characteristics:

(1)Concentrations of Al,Zn,Cr and Cu were fairly constant in

deeper sediments(11e30cm),but increased from10cm depth to the core top;

(2)Concentrations of Cd,As and Pb were constant below18cm,

but displayed a steady increasing trend from17cm depth and a sharp increase from5cm upward.Maximum con-centrations of the three elements were generally obtained in the topmost sediment layers;

(3)Concentrations of Hg were constant below20cm,increased

gradually from19cm to5cm depth and remained constant in the top5cm;

(4)Values of206Pb/207Pb were constant below11cm,but

showed a sharp increase between10cm and4cm,and remained constant in the top3cm.

5.Discussion

5.1.History and sources of heavy metal pollution

Trace metals in aquatic sediments are derived from both at-mospheric deposition and weathering of bedrock and soils within the catchment.Thus,simple concentration data are insuf?cient to quantify anthropogenic contamination in sediments.To distinguish natural from anthropogenic inputs,it is useful to calculate the non-dimensional enrichment factor(EF)by normalizing the

metal

Fig.2.Age model for the Lake Sayram core.A:137Cs,total210Pb and226Ra activity versus depth in the Lake Sayram sediment core.B:Age-depth relation based on210Pb and137Cs dating.

H.Zeng et al./Quaternary International321(2014)125e131127

concentrations to Al,because Al is an inert element and in the course of weathering its concentration decreases linearly with increasing sediment grain size (Din,1992).The EFs of heavy metals in the Lake Sayram sediment were calculated according to Eq.(1)(Abrahim and Parker,2008):

EF ?eM =Al TS =eM =Al TB

(1)

where,(M/Al)S is the ratio of heavy metals to Al concentrations in the samples and (M/Al)B is that in the baseline,predisturbance deposits.

The geoaccumulation index (Igeo)was employed to evaluate the pollution intensity of each heavy metal in the lake sediment,which was calculated according to Eq.(2)(Stéphane et al.,2004):

Igeo ?log 2eC n =1:5B n T(2)

where,C n is the concentration of heavy metals measured in the sediment and B n is their baseline,predisturbance deposits.

Some researchers select metal concentrations in the deeper part of the pro ?le,which are thought to have been free from anthro-pogenic in ?uences,as the “natural ”metal values (Stéphane et al.,2004;Han et al.,2007).We used metal concentrations in sedi-ments from 21to 30cm depth (i.e.pre-1900)as the reference material and their average concentrations of respective heavy metals as background values (Fig.3).The EFs and Igeos of Cr,Cu and Zn were equal or close to values of 1.0and 0.0,respectively,indi-cating that the sediments were unpolluted or only moderately polluted by these heavy metals because of human activities.In contrast,the maximum Igeos and EFs of Hg,Cd,As and Pb were >1.0and 1.5,respectively,suggesting that these heavy metals were from anthropogenic activities (Fig.4).

Using the program ZONE 1.2,the constrained incremental sum of squares cluster analysis (CONISS)was used to identify statisti-cally different zones in the sediment core (Ma et al.,2013).CONISS analysis of element concentrations and other sediment data enabled division of the Lake Sayram core into three zones,which re ?ected three distinct environmental periods (Fig.3).Results were consistent with respect to variation of EFs and Igeos of Cd,As and Pb (Fig.4).Before the 1960s,the values of EFs were approximately equal to 1and the values of Igeos were <0.5for each heavy metal,indicating limited anthropogenic in ?uence.From the 1960s to 1990s,the EFs and Igeos of Cd varied from 1.16to 1.30and 0.13to 0.48,respectively.Values for As varied from 0.97to 1.69and 0.52to 1.12.Similar values of Pb varied from 1.01to 1.20and 0.38to 0.66.

Cd,As and Pb in the sediment increased slowly between the 1960s and 1990s,demonstrating the effect of increasing human activities with economic development.Since the 1990s,the EFs of Cd,As and Pb increased from 1.48to 1.93,1.79to 3.20,and 1.24to 1.52,respectively.The values of Igeos increased from 0.81to 1.20,1.45to 2.26,and 0.92to 1.19,respectively.The EFs and Igeos of these heavy metals have increased rapidly,with their maximum values in 2010.Exhaust emission volume (EEV)in Xinjiang from 1950to 2010shows a trend similar to Gross Domestic Product (GDP)of the same period (Fig.5).It increased slowly from 1950to 1990,but sharply thereafter,especially after 2000.From 1990to 2010,the EEV increased from 1200to 9000(108m 3).Dust from exhaust emissions has high concentrations of heavy metals such as Hg and Pb (Wei et al.,2009).Therefore,the history of heavy metal pollution in Lake Sayram sediment varied consistently with economic devel-opment and associated waste discharge in Xinjiang.The EFs and Igeos of Hg increased from the 1910s and reached maximum values in the 1980s,after which they remained at relative high and con-stant levels.That this did not happen with other heavy metals is not easy to explain,but may be associated with wartime production and oil exploitation.

Total concentrations and chemical/mineralogical composition of Pb is not suf ?cient for valuation of contamination sources.Lead isotopes have been used to “?ngerprint ”environmental pollution.Each source of Pb can have distinct or overlapping ranges of isotopic ratios.The isotopic composition of Pb in lake sediments re ?ects the mixing of these sources,and source apportionment can be quan-ti ?ed if all potential sources of Pb are characterized and have spe-ci ?c ratios (Renberg et al.,2002;Michael et al.,2008).We plotted 206

Pb/207Pb against 208Pb/206Pb to provide insight into the potential sources of pollution to the sediments of Lake Sayram (Fig.3).The 206

Pb/207Pb and 208Pb/206Pb ratio pro ?les show minor ?uctuations (1.188e 1.175and 2.078e 2.091,respectively)from the base of the sequence to the topmost sediments.The 208Pb/206Pb ratio increases gradually up to the maximum value of 2.091,while the 206Pb/207Pb ratio decreases to 1.175,the lowest value in the entire sediment record.Since the 1960s,the values of 206Pb/207Pb and 208Pb/206Pb have changed,suggesting the sources of Pb have changed.

Many records of atmospheric Pb from marine/lacustrine sedi-ments,soils,peat bogs,as well as polar ice and snow have indicated varying sources and ?uxes associated with leaded gasoline,coal combustion,industrial activities (e.g.,metallurgy)and waste incineration (Michael et al.,2008).Tan et al.(2006)reported that the average Pb isotope ratios in leaded gasoline were 1.174for 206

Pb/207Pb and 2.124for 208Pb/206Pb in China,values in coal

dust

Fig.3.Vertical pro ?les of heavy metal concentrations in Lake Sayram sediment core with CONISS results.

H.Zeng et al./Quaternary International 321(2014)125e 131

128

were 1.163and 2.111respectively,and that in metallurgic dust were 1.173and 2.077.Fig.4showed the 206Pb/207Pb and 208Pb/206Pb ratio pro ?les in the Lake Sayram sediment core.After the 1990s,the 206

Pb/207Pb and 208Pb/206Pb values fell near the end-members of coal combustion,gasoline and vehicular Pb,rather than metallurgic dust (Fig.6).Therefore,coal combustion,gasoline and vehicular Pb were the primary sources of Pb contamination in the sediment cores,whereas metallurgic dust probably did not contribute much to Pb contamination.Bole,one of the major cities in Xinjiang,is about 100km from Lake Sayram.With rapid economic develop-ment and energy consumption increasing since the 1990s,by 2011discharges of waste gas and dust increased to 987.6(108m 3)and 6192.4t,respectively (Environmental Protection Bureau of Bole,2011).Exhaust gas and dust transported into the Tianshan Moun-tains and enter the Lake Sayram area via the west winds from Alshankou,a famous gale passage.The heavy metals they carry are then partly deposited in Lake Sayram,where their concentrations record changes in regional human activities.

5.2.Historic changes in natural and anthropogenic heavy metal deposition

Taking Al concentration as an indicator of background metal values supplied by weathering,the natural component of heavy metal input can be calculated (Din,1992;Ma et al.,2013):

?M natural ??Al sample ??M =?Al Background

(3)

This calculation provides an estimate of the natural inputs of heavy metals mainly from erosion of soils into the lake sediments.Subtracting the natural component of heavy metals from the total concentrations yields the excess,anthropogenic concentration of heavy metals supplied to the lake sediment via atmospheric deposition.That component is calculated as follows:

?M anthropogenic ??M total à?M natural

(4)

The natural or anthropogenic heavy metal concentrations are converted to accumulation rates (NAF or AAF)(mg/cm 2/a or)as follows:

?M Flux natural =anthropogenic ??M natural =anthropogenic ?R ?r

(5)

where R is sedimentation rate and r is dry bulk density of the sediment.

In the last 200years,the natural accumulation ?ux (NAF)of As varied from 0.20to 0.42m g/cm 2/y with a mean value of 0.29.The anthropogenic accumulation ?ux (AAF)of As varied from 0.00to 0.98m g/cm 2/y,with a mean value of 0.11.The NAF of Cd varied from 5.89to 12.53ng/cm 2/y,with a mean value of 8.67.The AAF of Cd varied from 0.00to 7.30ng/cm 2/y,with a mean value of 1.44.The NAF of Pb varied from 1.13to 2.41m g/cm 2/y with a mean value of 1.67.The AAF of Pb varied from 0.00to 0.39m g/cm 2/y,with a mean value of 0.09.The NAF of Hg varied from 0.48to 1.03ng/cm 2/y,with a mean value of 0.71.The AAF of Hg varied from 0.00to 1.98ng/cm 2/y,with a mean value of 0.59(Fig.7).

From the 1960s to 2010,there was an increasing trend in AAFs of Pb,Cd,As and Hg (Fig.7).A dramatic increase in anthropogenic Pb deposition since the 1960s is consistent with the regional/global trend in Pb emissions to the atmosphere (Nriagu,1989;Weiss et al.,1999).During 1990e 2010,AAFs of Cd,As,Pb and Hg increased from 4.05to 7.30ng/cm 2/y,0.27e 0.98m g/cm 2/y,0.21e 0.39m g/cm 2/y,and 0.61e 0.83ng/cm 2/y,respectively.Anthropogenic accumulation ?uxes contributed 45.5%(mean value)of As,33.3%of Cd,21.9%of Pb and 41.5%of Hg,to the total mass accumulation ?uxes of those heavy metals.The maximal contribution ratios were 68.8%for

As,

Fig.4.Depth pro ?les for Igeos and EFs of heavy metals in Lake Sayram sediment

core.

Fig.5.Temporal trends of GDP and EEV in Xinjiang Province from 1950to

2010.Fig.6.The

206

Pb/207Pb and

208

Pb/206Pb ratio pro ?les in Lake Sayram sediment core.

H.Zeng et al./Quaternary International 321(2014)125e 131129

48.1%for Cd,34.4%for Pb and 37.0%for Hg in the 1990s,when heavy metal contamination was at its highest level.This ?ux is compa-rable to values reported in other places throughout China and Europe.From 1860to 2002,an increase in total Hg ?ux was observed (0.5e 3.2ng/cm 2/a)at Qinghai Lake on the Tibetan Plateau (Wang et al.,2010).Fluxes of Pb and Hg were 0.1e 0.4m g/cm 2/y and 0.19e 0.75ng/cm 2/y in Lake Lucerne,located at the northern Alpine front in central Switzerland (Thevenon et al.,2011a ).The results suggest that the ?uxes of heavy metals and contamination in Lake Sayram are higher than those in alpine environments,but are lower than those found at Qinghai Lake.This may be explained by the fact that Qinghai Lake is geographically closer to industrialized prov-inces than is Lake Sayram (Jin et al.,2010).6.Conclusions

Concentrations,EFs and Igeos of heavy metals in a sediment core from Lake Sayram indicated that Cr,Cu and Zn in the sediment was mainly from natural sources,whereas Cd,Pb,As and Hg were increased signi ?cantly since the 1960s as a consequence of anthropogenic https://www.360docs.net/doc/1d13701116.html,ke Sayram is today considered to be moderately polluted by Cd,Hg,and Pb,and moderately to highly polluted by As.The anthropogenic contamination of heavy metals in Lake Sayram sediment was quanti ?ed by anthropogenic accu-mulation ?uxes (AAFs).During 1990e 2010,AAFs of Cd,As,Pb and Hg increased from 4.05to 7.30ng/cm 2/a,0.27e 0.98m g/cm 2/a,and 0.21e 0.39m g/cm 2/a and 0.61e 0.83ng/cm 2/a,respectively,re ?ect-ing the anthropogenic contribution to the heavy metal enrichment in Lake Sayram sediment.Anthropogenic heavy metal contamina-tion in Lake Sayram is greater than in an alpine lake in Europe,but lower than in Qinghai Lake,central China.Acknowledgments

We thank Longsheng Xu and Yuxing Zhu for ?eld and laboratory assistance.Thanks are also due to Mark Brenner for his helpful comments and revision of the text and the journal reviewers for their helpful comments and suggestions that improved the

manuscript.This study was supported by the National Basic Research Program of China (No.2012CB956102;2010DFA92720-22),National Natural Science Foundation of China (U113830;41101190).

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Wang,X.,Yang,H.,Gong,P.,Zhao,X.,Wu,G.,Turner,S.,Yao,T.,2010.One century sedimentary records of polycyclic aromatic hydrocarbons,mercury and trace elements in Qinghai Lake,Tibetan Plateau.Environmental Pollution158,3065e 3070.

Wei, B.,Jiang, F.,Li,X.,Mu,S.,2009.Spatial distribution and contamination assessment of heavy metals in urban road dusts from Urumqi,NW China.

Microchemistry Journal93,147e152.

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Environmental Science and Technology33,1340e1352.

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Wu,J.,Zheng,H.,Ma,L.,Bai,R.,2012.Recent changes of selected lake water re-sources in arid Xinjiang,northwestern China32(1),142e150(in Chinese). Wu,Y.,Hou,X.,Cheng,X.,Yao,S.,Xia,W.,Wang,S.,https://www.360docs.net/doc/1d13701116.html,bining geochemical and statistical methods to distinguish anthropogenic source of metals in lacustrine sediment:a case study in Dongjiu Lake,Taihu Lake catchment,China.

Environmental Geology52(8),1467e1474.

Yuan,G.,Liu,C.,Chen,L.,Yang,Z.,2011.Inputting history of heavy metals into the inland lake recorded in sediment pro?les:Poyang Lake in China.Journal of Hazardous Materials.185,336e345.

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证券公司融资融券知识手册

证券公司融资融券知识 手册 TYYGROUP system office room 【TYYUA16H-TYY-TYYYUA8Q8-

融资融券知识简介 目录 第一部分基础知 识 ...................................................................... .. (3) 一、基本常 识 ...................................................................... . (2) 二、担保证券、标的证 券 ...................................................................... .. (7) 三、保证金、保证金比例、可充抵保证金证券的折算 率 (7) 四、维持担保比 例 ....................................................................... (10) 五、融资融券的偿 还 ....................................................................... .. (11) 六、权益处 理 ...................................................................... .. (12) 七、中信证券融资融券规模相关控制指 标 ....................................................................... .15 八、证券交易所规 定 ...................................................................... .. (16)

(金融保险)中国建设银行信贷业务手册II贸易融资

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口货物单据作抵押,为客户预付货款的融资行为。 (4)提货担保:银行根据客户(开证申请人)的要求,为其开立信用证后,在进口货物先于承运货物提单到达时,为客户先行提货而向承运人(船公司或其他运输公司)出具的保证书。 出口贸易融资品种主要有打包贷款、出口押汇、出口托收押汇、票据贴现等。目前,我行开办的主要品种有: (5)打包贷款:银行根据客户的要求,将境外银行开立的以该客户为受益人的正本信用证留存,在提交单据前向其发放的用于该信用证项下备货的专项贷款。此类贷款的偿还来源是该信用证项下货物的出口收汇。 (6)出口押汇:银行根据客户(出口商)的要求,并根据开证行的议付授权指示,以其提交的符合信用证条款的全套物权单据作质押,将应收货款净额(扣除押汇利息)先行解付给客户,然后凭单据向开证行索回货款的融资行为。 (7)出口托收押汇:银行根据客户(出口商)的要求,在办理出口跟单托收业务时,以托收货款作质押,将应收货款净额(扣除押汇利息)先行解付给客户,然后凭单据索回货款的融资行为。 (8)票据贴现:银行根据客户(出口商)的要求,将其提交的境外银行承兑汇票贴现的融资行为。 5.1.3 形式 单笔业务融资:指我行为客户的单笔进出口业务提供单个或多个品种的贸易融资 额度融资:指我行向客户提供单个或多个品种的贸易融资额度,是进出口贸易融资的主要形式。贸易融资额度在有效期内可循环使用。目前,我行提供的进出口贸易融资额度可分为出口融资额度和进口融资额度,实际操作中还可按品种细分,如进口融资额度可分为信用证开证额度和信托收据(T/R)额度。 信托收据(T/R)是指银行在不能控制货权的情况下,为保证其对货物的所有权益,要求客户出具的表明其作为银行受托人提取货物

{业务管理}中国某银行信贷业务手册讲义

{业务管理}中国某银行信贷业务手册讲义

(2)A级客户按不低于出票金额的20%交存保证金,剩余部分提供经承兑银行认可的质押担保、抵押担保或第三方保证; (3)BBB级客户按不低于出票金额的50%交存保证金,剩余部分提供经承兑银行认可的质押担保、抵押担保或第三方保证; (4)BB级(含)以下客户按出票金额的100%交存保证金; (5)BBB级(含)以上客户也可选择提供全额的质押、抵押或第三方保证。 AAA级客户可免于提供担保。 9.1.4期限 商业汇票自出票日至到期日最长不得超过6个月。 9.1.5金额 建设银行每张承兑汇票金额不得超过1000万元人民币。 9.1.6费用和罚息 1.在办理商业汇票承兑时,每张银行承兑汇票按承兑金额的万分之五向出票人收取承兑手续费。 2.如果出票人到期未能兑付汇票款项,到期银行承兑汇票发生垫款的,对出票人尚未支付的汇票金额按照逾期贷款利率计收罚息。

9.2操作程序 建设银行办理银行承兑汇票业务操作流程如图所示:

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融资融券业务手册

融资融券业务手册 目录 第一部分:融资融券基础业务知识与业务规则介绍 (1) 一、基本概念 (1) 二、融资融券业务规则 (3) 第二部分:融资融券交易系统操作指引 (10) 第三部分:常见问答 (15)

第一部分:融资融券基础业务知识与业务规 则介绍 一、基本概念 1、融资融券交易 融资融券交易又称证券信用交易,是指投资者向具有融资融券业务试点资格的证券公司提供担保物,借入资金买入上市证券(融资交易)或借入上市证券并卖出(融券交易)的行为。 (小编提示:投资者空手可不能借钱借券的哦,必须先提交一定的担保物才行。)2、保证金 客户向证券公司申请融资或融券,应当向证券公司提交一定比例的保证金。保证金可以是现金,也可以以证券充抵。可充抵保证金证券名单以证券公司确定并公布的准。 (小编提示:投资者需要提供多少担保物才可以借钱借券呢?为此引入保证金概念。) 3、可充抵保证金证券折算率 可充抵保证金证券折算率是指在计算保证金金额时,客户提交的作为充抵保证金的证券按其证券市值折算为保证金的比率。 (小编提示:可充抵的保证金金额=可充抵保证金证券市值×折算率,折算率可点鑫网—融资融券查询,每一只证券的折算率都可能不一样哦。)

4、融资融券保证金比例 保证金比例是客户融资买入证券或融券卖出证券时交存保证金与融资金额或融券金额的比例,用以控制客户每笔融资融券交易初始资金放大倍数。保证金比例分为融资保证金比例和融券保证金比例。 标的证券融资保证金比例=1+融资基准保证金比例-标的证券的折算率 标的证券融券保证金比例=(1+融券基准保证金比例-标的证券的折算率)×调整倍数。 目前,融资基准保证金比例和融券基准保证金比例为0.3,调整倍数是1.1。(小编提示:由此可得①保证金比例=保证金÷可融资或融券金额;②每只标的证券所对应的保证金比例也可能不一致哦,具体可在鑫网—融资融券查询。)5、授信额度 授信额度是指证券公司根据客户的资信状况、担保物价值、履约情况、市场变化、证券公司财务安排等因素综合确定的投资者可融资融券额的最高限额。客户融资融券的总额不得超过授信额度。 (小编提示:投资者融资融券交易金额不得超出授信额度。但在授信期内投资者可循环使用授信额度哦。) 6、标的证券 标的证券是指客户融资可买入的证券及证券公司可对客户融出的证券,以证券公司不时确定并公布的融资买入标的证券名单和融券卖出标的证券名单为准。(小编提示:也就是说,客户只可融资买入“融资标的证券”范围内的证券;只可对“融券票的证券”范围内的证券进行融券卖出。) 7、担保物

工商银行信贷工作手册

第一章银行信贷制度审查 审查人员应当根据工商银行现行的各项信贷制度、办法的规定对信贷业务进行审查,保证信贷业务符合客户评级与分类、授权、授信、贷款定价、业务流程等基本制度规定和单项业务办法要求,防范制度风险。 一、授权管理审查 (一)信贷业务授权制度执行情况审查的基本要求 1、各级行必须在权限范围内办理信贷业务,不得超权限办理信贷业务。审查人员在审查时应当对照上级行颁发的本年度《授权书》(或《转授权书》),结合《中国工商银行信贷管理基本制度》、信贷业务特别授权文件、单项业务管理办法等信贷制度的规定,确认信贷业务是否符合信贷业务授权、转授权规定。 2、信贷业务违反授权制度规定的处理。 (1)本级行受理的超权限信贷业务,审查人员应在审查报告中说明信贷业务审批权限,提请按规定程序履行报批手续。 (2)下级行超授权办理的信贷业务,审查人员在报备审查中不得同意,并要求下级行纠正。 (二)《中国工商银行信贷管理基本制度》关于信贷审批权限的规定 1、未经有权审批行批准,同一辖区内不得有两个或两个以上同级分支机构对同一客户发放信用。 2、未经有权审批行批准,各分支机构不得超越辖区提供异地信用。 3、开办委托贷款需报经总行批准。 4、对同业竞争激烈的优良客户,确需简化手续和程序,以及工商银行现有制度没有规定或需突破工商银行现有政策制度的信贷业务,实行特事特办制度。特事特办有权审批人为总行行长。 (三)信贷业务特别授权和部分单项业务管理办法对信贷业务经营权限的规定 1、下列信贷业务的审批权限集中在总行和一级分行; (1)公开统一授信和可循环使用信用额度;

(2)对B、C级客户特别授信及授信项下的单笔贷款; (3)不良贷款注资盘活方案。 2、对次级以下(含次级)贷款办理借新还旧的审批权限集中在二级分行及以上; 3、土地开发贷款无论期限长短,有权审批行原则上为总行和一级分行;对符合发放周转贷款条件的政府土地储备机构的贷款审批授权按总行对各一级分行优良客户短期贷款的授权权限和房地产项目贷款权限中高者掌握;对其它政府土地储备机构的贷款审批授权按各一级分行房地产项目贷款权限掌握;对政府园区土地开发机构和其他土地开发机构的贷款审批授权一律按各一级分行房地产项目贷款权限掌握。 超过最高综合授信额度对政府土地储备机构提供信用的,审批权限在总行。 4、证券公司发债担保业务审批权限集中在总行。 5、国际贸易融资授信额度审批权限:A级以上(含)客户最高综合授信额度的审批权限执行总行授权管理规定;B级贸易型或代理型客户因办理国际贸易融资业务需要核定授信额度的,授信额度的审批权限集中上收到一级分行以上(含),并经贷审会审议。 6、其它单项业务有规定的,从其规定。 7、上级行对特定区域、特定业务品种或单笔信贷业务有特别授权的,从其规定。 (四)当前工行对部分行业信贷业务授权的特别规定 在当前国家宏观经济调控时期: 1、钢铁、电解铝、水泥项目贷款,不论额度大小,一律上报总行审批; 2、房地产开发和汽车项目贷款一律上报一级分行及以上审批; 3、钢铁、电解铝、水泥、房地产开发和汽车行业客户的增量流动资金贷款审批权限全部上收至一级分行及以上。分行审批的一律报备总行。 二、信用等级评定审查 办理信贷业务必须遵循“先评级、后授信”的原则,评定信用等级是客户分类和客户授信的基础工作,对向工行申请信用的申请人必须评定信用等级。审查客户信用评级的依据是《中国工商银行客户信用等级评定办法》。 (一)客户信用等级评定的规定 1、评定对象:按行业和客户性质分为工商、工业、商贸、房地产、建筑安装、外资、事业法人、银行、证券公司、非银行金融机构类客户(证券公司除外)、综合等11类客户。 2、等级分类:信用等级评定按照对客户的信用履约评价、偿债能力评价、盈利能力评

证券公司营销管理手册

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某农商行银行信贷手册(金融产品)

某某银行金融产品(信贷)手册 A.公司类金融产品 1、流动资金循环贷款业务 产品定义: 流动资金贷款是我行向企(事)业法人或其他组织发放的用于日常生产经营的本外币贷款。凡在一定期限、一定额度内多次滚动使用的流动资金贷款为循环贷款,其他为非循环贷款。 申请条件: 1、依法经工商行政管理机关或主管机关核准登记并参加年检; 2、生产经营活动符合国家政策、法规,产品有市场、经营有效益,具有按期偿付贷款本息的能力; 3、企业信用状况良好,无重大不良记录; 4、在本行开立基本存款帐户或一般存款帐户,生产经营资金全部或部分通过本行办理结算; 5、人民银行核发的贷款卡; 6、财务状况良好,资产负债率不高于70%; 7、明确、合法的借款用途; 8、提供本行认可的担保措施; 9、我行要求的其他条件。

授信期限 最长授信期限可达3年,在3年内随用随贷,循环周转,每次借款时间不超过1年。 利率收费 按照我行贷款利率定价管理办法执行,无其他任何手续费。 申办资料 1、借款人基本证件:已年检或有效的营业执照、税务登记证、组织机构代码贷款卡; 2、基本账户开户许可证; 3、特殊行业经营许可证; 4、公司章程及验资报告; 5、法人代表身份证明; 6、相关授权委托书; 7、公司同意借款决议; 8、近3年及最近期财务报表包括资产负债表、损益表和现金流量表;成立不足3年的企业,提供成立以来的财务报表; 9、各类合同协议等; 10、企业主要资产证明材料,主要有房地产权证、车辆所有权证,大型设备所有权(含租赁融资资产等)复印件。 11、担保资料,如担保人基本证件、企业章程、财务报表、资产证明、抵押物的权属证书、同意担保证明等。 12、我行要求的其他资料。

中信证券使用手册

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什么是可充抵保证金证券和折算率? 什么是保证金比例? 什么是保证金可用余额? 保证金可用余额怎么计算? 投资者如何提交保证金? 信用账户有哪些交易模式? 信用账户可以进行哪些操作? 信用账户不能进行哪些操作? 什么是标的证券? 什么是合约? 合约的期限最长是多少? 投资者融资买入或融券卖出的证券被调整出证券公司标的证券名单后,原合约如何处理? 出现哪些情形后,融资融券合约的期限需要调整?通和调整? 授信额度如何使用? 融券卖出有什么要求?

什么事债务偿还优先? 证券交易所对融资融券交易规模有何限制? 如何了解融资融券合约? 当投资者买券还券数量大于其实际接入的证券数量时,如何处理?投资者进行融资融券交易需要承担哪些费用? 如何计算融资融券业务管理费? 如何计算融资利息、融券费用? 如何收取融资利息、融券费用、管理费? 罚息是怎么产生的、如何收取? 什么是担保物? 什么是维持担保比例? 维持担保比例有什么作用? 投资者信用账户维持担保比例值发生变化时,有什么交易限制?什么情况下投资者需要追加担保物?如何追加? 什么是强制平仓?

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保证金可以是现金,也可以是可充抵保证金的证券。 四、可充抵保证金证券 可充抵保证金证券是指在融资融券业务中证券公司认可的可用于充抵保证金的证券。 五、折算率 折算率是指投资者以证券充抵保证金,在计算保证金金额时对证券市值所用的折算比例。 六、保证金可用余额 保证金可用余额是指投资者用于充抵保证金的现金、证券市值及未了结融资融券交易产生的浮盈经折算后形成的保证金总额,减去投资者未了结融资融券交易已占用保证金和相关利息、费用的余额。即还可用于融资、融券交易的担保物。 投资者融资买入或融券卖出时所使用的保证金不得超过其保证金可用余额。 七、保证金比例 保证金比例是指融资保证金比例和融券保证金比例的统称,能决定融资融券交易的杠杆比例。 融资保证金比例:是指投资者融资买入时交付的保证金与融资交易金额的比例。其计算公式为: 融资保证金比例=保证金/(融资买入证券数量×买入价格)×100% 例如:某投资者信用账户中有50万元保证金可用余额,拟融资买入融资保证金比例为80%的证券A,则该投资者理论上可融资买入62.5万元市值(50万元保证金÷80%)的证券A。 融券保证金比例:是指投资者融券卖出时交付的保证金与融券交易金额的比例。其计算公式为: 融券保证金比例=保证金/(融券卖出证券数量×卖出价格)×100% 例如:某投资者信用账户中有50万元保证金可用余额,拟融券卖出融券保证金比例为80%的证券B,则该投资者理论上可融券卖出62.5万元市值(50万元保证金÷80%)的证券B。 投资者融资买入或融券卖出时,融资保证金比例或融券保证金比例不得低于证券公司规定的比例。我公司规定的保证金比例为:

证券公司内部控制手册

证券公司内部操纵指引 第一章总则 第一条为引导证券公司规范经营, 完善证券公司内部操纵机制,增强证券公司自我约束能力,推动证券公司现代企业制度建设,防范和化解金融风险,依据《中华人民共和国证券法》、《证券公司治理方法》和中国证券监督治理委员会(以下简称中国证监会)审慎监管的要求,制定本指引。 第二条本指引所指证券公司内部操纵是指证券公司为实现经营目标,依照经营环境变化,对证券公司经营与治理过程中的风险进行识不、评价和治理的制度安排、组织体系和操纵措施。 第三条内部操纵应充分考虑操纵环境、风险识不与评估、操纵活动与措施、信息沟通与反馈、监督与评价等要素。 (一)操纵环境:要紧包括证券公司所有权结构及实际操纵人、法人治理结构、组织架构与决策程序、经理

人员权力分配和承担责任的方式、经理人员的经营理念与风险意识、证券公司的经营战略与经营风格、职员的诚信和道德价值观、人力资源政策等。 (二)风险识不与评估:及时识不、确认证券公司在实现经营目标过程中的风险, 并通过合理的制度安排和风险度量方法对经 营环境持续变化所产生的风险及证券公司的承受能力进行适时 评估。 (三)操纵活动与措施:保证实现证券公司战略目标和经营目标的政策、程序,以及防范、化解风险的措施。要紧包括证券公司经营与治理中的授权与审批、复核与查证、业务规程与操作程序、岗位权限与职责分工、相互独立与制衡、应急与预防等措施。(四)信息沟通与反馈:及时对各类信息进行记录、汇总、分析和处理,并进行有效的内外沟通和反馈。 (五)监督与评价:对操纵环境、风险识不与评估、操纵活动与措施、信息沟通与反馈的有效性进行检查、评价,发觉内部操纵设计和运行的缺陷并及时改进。

{业务管理}中国建设银行信贷业务手册_II__商业汇票承兑

(业务管理)中国建设银行信贷业务手册_II__商业汇 票承兑

9.1概述 9.1.1定义 商业汇票是出票人签发的,委托付款人于指定日期无条件支付确定金额给收款人或持票人的票据。商业汇票因承兑人的不同分为商业承兑汇票和银行承兑汇票。 银行对商业汇票的承兑是指银行作为付款人,根据出票人的申请,承诺于汇票到期日对收款人或持票人无条件支付汇票金额的票据行为。 我行商业汇票(包括商业承兑汇票和银行承兑汇票)均是由中国人民银行总行统壹印制,且由总行组织定货和管理。 9.1.2对象 经工商行政管理或主管机关核准登记的企业(事业)法人或其它经济组织。 9.1.3条件 1.于承兑银行开立存款帐户; 2.以真实合法的商品、劳务交易为基础,且于交易合同中注明以银行承兑汇票作为结算工具和方式; 3.出票人资信情况良好,具有到期支付汇票金额的可靠资金来源; 4.出票人已往和建设银行的信用业务往来信誉良好; 5.能够提供符合下列要求的担保: (1)AA级客户按不低于出票金额的10%交存保证金,剩余部分提供经承兑银行认可的质押担保、抵押担保或第三方保证; (2)A级客户按不低于出票金额的20%交存保证金,剩余部分提供经承兑银行认可的质押担保、抵押担保或第三方保证; (3)BBB级客户按不低于出票金额的50%交存保证金,剩余部分提供经承兑银行认可的质押担保、抵押担保或第三方保证; (4)BB级(含)以下客户按出票金额的100%交存保证金; (5)BBB级(含)之上客户也可选择提供全额的质押、抵押或

第三方保证。 AAA级客户可免于提供担保。 9.1.4期限 商业汇票自出票日至到期日最长不得超过6个月。 9.1.5金额 建设银行每张承兑汇票金额不得超过1000万元人民币。 9.1.6费用和罚息 1.于办理商业汇票承兑时,每张银行承兑汇票按承兑金额的万分之五向出票人收取承兑手续费。 2.如果出票人到期未能兑付汇票款项,到期银行承兑汇票发生垫款的,对出票人尚未支付的汇票金额按照逾期贷款利率计收罚息。

中国建设银行信贷业务手册二篇第十六章信贷资产转让

第十六章信贷资产转让 16.1 概述 信贷资产转让是指建设银行与具备的政策性银行、商业银行、财务公司和信托投资公司等金融机构根据协议约定相互转让本外币信贷资产的业务行为。 信贷资产转让的对象是具备贷款业务资格的政策性银行、商业银行、财务公司和信托投资公司等金融机构。可转让的信贷资产暂不包含个人住房贷款、个人消费额度贷款、个人汽车贷款和个人信用卡透支等所有个人类贷款。 优化信贷资源配置,加强金融同业合作,提高资产的效益性、安全性和流动性。 根据协议约定,建设银行从境内其他金融机构有偿转入信贷资产。在此项业务中,建设银行是信贷资产的受让方,其他金融机构是信贷资产的出让方。 根据协议约定,建设银行向境内其他金融机构有偿转出信贷资产。在此项业务中,建设银行是信贷资产的出让方,其他金融机构是信贷资产的受让方。 按转让类别分类 买断型信贷资产转让业务 出让方与受让方根据协议约定,受让方购入出让方的信贷资产,并由借款人(担保人)直接向受让方履行借款合同(担保合同)项下的义务,直至清偿全部债务。 回购型信贷资产转让业务 出让方与受让方根据协议约定,在出让信贷资产的同时,与受让方约定在将来一个确定的日期,以约定价格向受让方无条件购回其出让的信贷资产。 16.1.5 条件 建设银行受让信贷资产必须符合下列条件: 基本条件 1.出让方为在我国境内注册登记的金融机构法人。 2.出让方具有贷款业务资格。 3.出让方应具有雄厚的资金实力,良好的信誉和抵御风险的能力。 4.受让资产的借款人信誉良好,无拖欠银行贷款及逃废债务的不良记录。 5.受让的信贷资产应为尚未到期的正常贷款且无任何瑕疵。 6.受让信贷资产的主债权和担保债权应真实和有效,依法可以转让;借款合同和担保合同无禁止转让条款,且借款合同(担保合同)中无借款人(担保人)只对出让人承担还款(担保)责任或禁止债权转让等条款。 1.买断型信贷资产受让应符合以下条件: (1)借款人应具有建设银行核定的授信额度,且信贷资产受让后该借款人的贷款余额不能超过核定的授信额度。 (2)我行对借款人的内部信用评级不低于AA级。 (3)出让方已将债权转让事宜书面通知借款人和担保人,并得到借款人和担保人同意信贷资产转让的书面确认。 2.回购型信贷资产受让应符合以下条件: (1)出让方应具有建设银行核定的授信额度,且信贷资产受让后出让方占用额度不超过授信额度。 0文档来源为:从网络收集整理.word版本可编辑.

债券交易手册

知识手册:债券的交易程序、方式及收益率计算 一、债券的交易程序 场内交易也叫交易所交易,证券交易所是市场的核心,在证券交易所内部,其交易程序都要经证券交易所立法规定,其具体步骤明确而严格。债券的交易程序有五个步骤:开户、委托、成交、清算和交割、过户。 1、开户 债券投资者要进入证券交易所参与债券交易,首先必须选择一家可靠的证券公司,并在该公司办理开户手续。 1.1订立开户合同 开户合同应包括如下事项: 委托人的真实姓名、住址、年龄、职业、身份证号码等; 委托人与证券公司之间的权利和义务,并同时认可证券交易所营业细则和相关规定以及经纪商公会的规章作为开户合同的有效组成部分; 确立开户合同的有效期限,以及延长合同期限的条件和程序。 1.2 开立帐户 在投资者与证券公司订立开户合同后,就可以开立帐户,为自己从事债券交易做准备。在我国上海证券交易所允许开立的帐户有现金帐户和证券帐户。现金帐户只能用来买进债券并通过该帐户支付买进债券的价款,证券帐户只能用来交割债券。因投资者既要进行债券的买进业务又要进行债券的卖出业务,故一般都要同时开立现金帐户和证券帐户。上海证券交易所规定,投资者开立的现金帐户,其中的资金要首先交存证券商,或者证券商指定的银行,其利息收入将自动转入该帐户;投资者开立的证券帐户,则由证券商免费代为保管。 2、委托 投资者在证券公司开立帐户以后,要想真正上市交易,还必须与证券公司办理证券交易委托关系,这是债券交易的必经程序。 2.1 委托关系的确立 投资者与证券公司之间委托关系的确立,其核心程序就是投资者向证券公司发出“委托”。证券公司接到委托后,就会按照投资者的委托指令,及时传输到交易所。

银行信贷基础知识及建行工行业务手册(银行信贷学习必备)

信贷基础知识与实务 (一)信贷的概念 信贷是一种借贷行为,它是以偿还本金和付息为条件的特殊价值运动。 银行信贷有广义和狭义两种含义。广义的信贷,是银行的存款、贷款、结算等信用业务的总称,包括银行的主要资产业务、负债业务、中间业务。广义的银行信贷与银行信用为同义语。狭义的信贷,就是指银行发放贷款。 1、资产业务:放款业务、投资业务(银行投资业务的目的:获取利润、分散风险、保持流动性)。 2、负债业务:自有资金、存款、其他负债业务。 3、中间业务:支票、汇兑、信用证、代收、信托、代客买卖、同业往来、咨询、电子计算机服务等。 其中前两种为信用业务,后一种为服务业务。 (二)信贷管理的基本原则 商业银行贷款,应当遵守下列资产管理负债比例管理的规定(巴塞尔协议规定): 1、资本充足率不得低于8%。即资本总额度与加权风险资产总额的比例不得低于8%。 银行的资本组成分为核心资本和附属资本两部分。 核心资本由银行股本及税后利润中提取的公开储备组成。(应占资本的50%以上);附属资本主要包括:未公开储备、资产重估储备、普通准备金或普通呆账储备金、带有债务性质的资本工具等。 2006年底我行重组成功后,资本充足率已达到这一规定。 2、贷款余额与存款余额的比例不得超过75%。 3、流动性资产与流动性负债的比例不得低于25%。 4、对同一借款人的贷款余额与商业银行资本余额的比例不得超过10%。 5、国务院银行业监督管理机构对资产负债比例管理的其他规定。 6、贷款质量指标。逾期贷款余额与各项贷款余额之比不得超过8%;呆滞贷款余额与各项贷款余额之比不得超过5%;呆账贷款余额与各项贷款余额之比不得超过2%。(这个指标经常根据不同时期的要求而发生变动,最近要求不良贷款不能超过10%,2006年底我行不良率0.7%) 巴塞尔协议是1974年9月国际清算银行成员国(美国、英国、法国、德国、意大利、日本、荷兰、加拿大、比利时、瑞典十国集团及)的中央银行在瑞士的巴塞尔达成的若干重要协议的统称。其实质是为了完善与补充单个国家对商业银行监管体制的不足,减轻银行倒闭的风险与代价,是对国际商业银行联合监管的最主要形式,虽然没有法律约束率,具有很强的自律约束力。 (三)贷款的基本制度 1、贷款的基本原则:流动性、效益性、安全性是商业银行经营的基本准则原则。也就是我们常讲的“三性原则”,这也是信贷管理的基本要求。 (1)安全性:是指商业银行的资产、收益、信誉等免受损失的可靠性或确定性。其核心就是有效防范并正确处置各类风险,保证资金安全。贯彻安全性原则,一方面有助于减少资本与资产损失,增强预期可靠性;另一方面可以在公众中树立良好形象,这方面非常重要。 (2)流动性:是指银行的资产和负债可立即无损地迅速运转或变现的能力。流通性要求在合理安排贷款期限的同时,必须作好两个方面的工作:一是保持一定的“准备资产”即是一线准备的银行库存现金、央行存款、同业存款,二线准备的有价证券,一线准备加上二线准备为银行总准备,银行总准备减去法定准备金就是超额准备金,超额准备金减去央行借款成为自由准备金。二是实行负债管理,通过借款负债来满足现金支付需要,不仅仅是通过流动资产来满足流动性要求。(存款准备金制度起源于英国,但以法律制度形成则始于1913年美国的《联邦储备条例》) (3)效益性;是指商业银行在正常经营状态下的获利能力。效益性是商业银行经营活动的主要动力,遵循这一原则的意义在于:一是有利于增加银行资本,扩大资产规模;二是可以提高银行信誉,降低筹资成本;三是增强银行抵御风险的能力;四是可以进一步增强银行的竞争力。 银行的三性原则之间既有联系又有矛盾。三者矛盾表现为:追求流动性、安全性,往往效益性低;反之,追求效益性,就要把资金按放到收益较大、风险较大的长期投资项目上,这又会给银行的经营的安全性、流动性带来威胁。但从长期来看,效益性、安全性、流动性三者之间又存在着一种相互依赖、相互促

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11.1. 概述 11.1.1. 定义 保证是建设银行根据申请人的请求,以出具保函的形式向申请人的债权人(保函受益人)承诺,当申请人不履行其债务时,由建设银行按照约定履行债务或承担责任的信贷业务。 向建设银行申请出具保函的被保证人是申请人;申请人的债权人是受益人;出具保函的建设银行是保证人;为申请人向保证人出具反担保函的单位是反担保人;受担保人的委托,将保函通知受益人的银行是通知行(为便于统一,本章将“申请人”统称为“客户”)。11.1.2 分类 11.1.2.1 按受益人性质分为: 1.境内保证(函)。指保函受益人为境内法人或其他组织的保证。 2.对外保证(函)。指保函受益人为中国境外机构或境内外资金融机构的保证。 11.1.2.2 按业务品种分为: 1. 投标保证。建设银行接受投标方的请求,向招标方保证,如投标方中标后擅自修改报价、撤销投标书或者在规定时间内不签订招投标项下的合同,建设银行将根据招标方的索赔,按照保函约定承担保证责任。

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