不良贷款管理与债务回收策略

培训项目概述

A number of countries face the problem related to Non-performing Loans and their levels. Non-performing loans can be a heavy burden for banks, reducing their ability to extend credit to the real economy. Any bank faces non-performing loan risk due to its main function as a financial intermediary. Various efforts have been made by banks to avoid the NPL. However, due to various reasons in business environment or debtor’s management ability, any bank continues to experience them. In result, NPLs affect the total economic growth, banks themselves, borrowers and taxpayers too. Non-Performing Loans Management & Debt-Recovery Strategies in Bangkok, Thailand will discuss the framework conditions needed for successful NPL resolution and the various on- and off-balance sheet approaches that are available to manage this problem.

Delivered by Risalat Consultants International in Bangkok, Thailand, it combines expert-led sessions, real cases and group work, so that participants can apply what they learn in their own institution.

本培训项目可在以下方面加强机构能力：

• Defining Non-Performing Loans (NPL)
• Types of Non-Performing Loans
• Indicators of Non-Performing Loans
• Scale and Scope of NPL’s impact on the Economy
• Creating and Implementing the NPL Strategy
• Governance of Non-Performing Loans
• Banking Treatment of NPLs and non-performing investment projects
• Borrower Credit Rating and Provisioning
• 预算编制与执行
• 财务报告与会计准则
• 现金与国库管理
• 对付款和资产的内部控制

It is designed for professionals from Central Banks, Ministries of Finance and other Institutions who are involved in NPL Management, bank Credit Officers and Investment Bankers, bond Credit Analysts and Fund Managers and others who want practical, current skills in public financial management and finance.

Why Non-Performing Loans Management & Debt-Recovery Strategies Matters Now

健全的财务管理是预算可信、付款及时和审计无保留意见的基础。政府和出资方期望准确的报告、严格的预算执行以及透明的资金使用。

报告准则、数字支付系统和出资方要求的变化，意味着财务团队必须不断更新技能。健全的财务管理还能为真正重要的服务腾出时间和资金。

This Non-Performing Loans Management & Debt-Recovery Strategies programme brings these elements together in a practical format, so that participants understand not only what good practice looks like but also how to introduce it in their own setting, with the people and resources they have.

各机构日益需要能够做到以下几点的专业人员：

• 按照计划编制和执行预算
• 编制准确、及时的财务报告
• 对付款和资产实施控制
• 满足出资方的财务管理要求
• 利用财务信息支持决策

强大的能力有助于机构：

• 提高预算的可信度和执行力
• 编制可靠的报告，实现无保留审计意见
• 减少付款延误和差错
• 与出资方和监督机构建立信任

Who Should Attend This Non-Performing Loans Management & Debt-Recovery Strategies Training

本培训项目既适合经验丰富的专业人员，也适合刚承担新职责的人员。我们鼓励来自不同机构和国家的学员组成混合小组，因为学员能从彼此的经验中获益良多。

本培训项目适合：

• Professionals from Central Banks, Ministries of Finance and other Institutions who are involved in NPL Management
• Bank Credit Officers and Investment Bankers
• Bond Credit Analysts and Fund Managers
• Treasurers and Compliance Officers
• 财务经理与会计人员
• 预算官员与分析师
• 国库与现金管理人员
• 项目实施单位财务管理专员
• 内部审计人员
• 首席财务官与财务总监
• 税收征管人员
• 规划与经济官员

培训项目目标

培训目标聚焦于学员在培训后能够做什么，而不仅仅是知道什么。每项目标都会在一周内通过练习、案例或小组作业加以实践。

完成本培训项目后，学员将能够：

• Alternative approaches to NPLs management and recovery structures
• Different NPLs recovery strategies and techniques
• Accounting treatment of non-performing loans and loan loss provisioning
• 阐述预算周期及各参与方的角色
• 编制并监控与计划挂钩的预算
• 运用相关报告准则的主要原则
• 通过稳健的控制管理现金和付款
• 满足出资方的财务管理要求
• 分析财务信息以支持决策
• 做好审计准备并回应审计发现

Non-Performing Loans Management & Debt-Recovery Strategies Training Structure & Contents

培训方法

Using a mixture of structured lectures, delegate discussions and practical case studies, attendees will improve their skills by direct learning, through group discussions and by sharing their own experiences as well as those of the expert trainer. The consultant will encourage active debate at all times to ensure that delegates are able to gain the maximum benefit from the course. The case studies will be tailored to match the mix of ability and experience of the delegates attending Non-Performing Loans Management & Debt-Recovery Strategies in Bangkok, Thailand ensuring that the examples all have direct and actual relevance to the group’s individual working environments.

培训开始前，简短的课前评估可帮助讲师了解每位学员的岗位职责和重点关注事项，以便根据学员群体调整案例和练习。每天结束时安排简短的反思环节，学员记录下将在工作中应用的内容。

• 专家主讲当前实践
• 区域及国际案例研究
• 小组作业与实践练习
• 视情况安排模拟演练与角色扮演
• 探讨学员自身面临的挑战
• 每日反思与行动规划

机构应用

本培训项目的设计旨在让学习成果从课堂延伸至机构。学员尽可能围绕自身的流程和文件开展练习，并在结业时带走一份可供其主管审阅和支持的行动计划。

本培训项目帮助机构加强：

• 预算编制与执行
• 财务报告
• 付款与现金控制
• 捐助方资金财务管理
• 审计准备

学员将带着实用工具回到工作岗位，以提升：

• 预算监控
• 中期财务报告
• 对账
• 资产管理
• 审计跟进

区域相关性与应用

Holding the programme in Bangkok, Thailand brings together participants from Asia and other regions, so they can compare how public financial management and finance is handled in different settings.

同一培训项目也可为单一机构以内训形式在其本国或在线举办，案例取材于该机构当前的工作。

所选案例和练习反映公共机构及捐助方资助项目的实际情况，我们鼓励学员带来自身工作中当前面临的挑战，使结业时带走的行动计划可直接使用。

东道国概况：泰国

Bangkok, known in Thai as Krung Thep Maha Nakhon and colloquially as Krung Thep, is the capital and largest city of Thailand. Source: Wikipedia.

The programme takes place at Eastin Hotel Makkasan.

Expected Outcomes of Non-Performing Loans Management & Debt-Recovery Strategies Training

学员将能够：

• 编制并监控与计划挂钩的预算
• 编制准确的财务报告
• 实施稳健的付款与现金控制
• 满足出资方的财务管理要求
• 做好审计准备并落实审计发现整改
• 在决策中运用财务分析

学员结业时将获得个人行动计划和实用工具，回到工作岗位的第一周即可在机构中应用。派出多名学员的机构可借助本培训项目，在各团队之间统一方法和模板，使改进成果更易持续。

课程成果

学员在培训前、培训中及培训后均可获得支持，使准备、学习与跟进形成连贯完整的体验。

培训开始前

• 学员课前评估
• Non-Performing Loans Management & Debt-Recovery Strategies Readiness Assessment
• Non-Performing Loans Management & Debt-Recovery Strategies Resource Pack
• 课前阅读资料
• 免费签证支持与咨询
• 机场接机与欢迎协助
• 住宿（含早餐）
• 欢迎交流晚宴

培训期间

• Risalat培训礼包（背包、水瓶、马克杯、T恤、帽子、护照套、笔、笔记本、冰箱贴及钥匙扣）
• Comprehensive Non-Performing Loans Management & Debt-Recovery Strategies Training Manual
• 预算监控模板
• 中期财务报告模板
• 对账检查清单
• 审计准备检查清单
• 实践研讨与模拟演练
• 小组讨论与同伴学习
• 每日午餐与茶歇
• 全面使用培训场地设施
• 装有数字学习资料的迷你平板电脑
• 实地考察（如适用）
• 城市休闲观光

培训结束后

• 结业证书
• Risalat培训项目参与表彰奖
• 培训后参考资料
• 财务管理自我评估
• 付款控制检查清单
• 培训后支持与跟进指导
• 培训项目报告

Institutions can also request a tailored in-house version of this programme, delivered at their premises or online. Request a proposal.

常见问题

When and where does the Non-Performing Loans Management & Debt-Recovery Strategies programme take place?

It runs from 18 Jan 2027 to 22 Jan 2027, in Bangkok, Thailand (Eastin Hotel Makkasan). The registration deadline is shown at the top of this page.

谁应参加？

The programme is designed for professionals from Central Banks, Ministries of Finance and other Institutions who are involved in NPL Management, bank Credit Officers and Investment Bankers, bond Credit Analysts and Fund Managers, treasurers and Compliance Officers, and others who want practical skills in public financial management and finance.

我能获得证书吗？

能。完成本培训项目的学员将获得Risalat Consultants International颁发的结业证书。

本培训项目能否仅为我们机构单独举办？

可以。我们可以在贵机构所在地、其他城市或在线提供量身定制的内训版本，并围绕贵机构自身的案例设计内容。请使用本页面的方案建议书申请表。

我是否需要具备公共财政管理和财务方面的经验？

除具备相关岗位经验外，无需其他专业背景。简短的课前评估可帮助讲师根据学员群体调整课程。

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