Chap14银行贷款政策和程序.pptVIP

Bank Lending: Policies and Procedures银行贷款政策和贷款程序 §1. Types of Loans Made By Banks 银行贷款的类型 §2. Regulation of Lending 银行贷款的监管 §3. Steps in Lending Process 银行贷款的程序 §4. Handling Problem Loan 有问题贷款的处理 §1. Types of Loans Made By Banks银行贷款的类型 Real Estate Loans 房地产贷款 Financial Institution Loans 金融机构贷款 Agriculture Loans 农业贷款 Commercial and Industrial Loans 工商业贷款 Loans to Individuals 个人贷款 Miscellaneous Loans 其他贷款 Lease Financing Receivables 融资性租赁 §2. Regulation of Lending 银行贷款的监管 Possible rating of lending贷款可能给予的评级 Strong performance 优秀 Satisfactory performance 满意 Fair performance 较好 Marginal performance 一般 Unsatisfactory performance 不满意 Asset Quality 资产质量 CAMELS Rating System骆驼评级体系 Capital Adequacy 资本充足率 Asset Quality 资产质量 Management Quality 管理质量 Earnings Record 盈利记录 Liquidity Position 流动头寸 Sensitivity to Market Risk 对市场风险的敏感度 §3. Steps in Lending Process银行贷款的程序 Fill out a loan application 填写贷款申请书（借款金额、借款用途、偿还能力、还款方式） An interview with a loan officer 与贷款申请人会谈 A site visit 现场访问 Submit several crucial documents 提交重要文件 Check on the property or other assets as collateral 检查抵押资产或其他资产 评估借款人的信用等级（领导人的素质、经济实力、资金结构、履约情况、经济效益、发展前景） 贷款审批（“审贷分离,分级审批”的贷款管理制度） Sign loan agreement 签署贷款协议 Visit customer’s business periodically 定期访问贷款客户 借款人应向银行提供的资料 董事会的借款决议或证明文件 借款人及保证人的基本情况 会计事务所核准的上一期的财务报告 抵押物的清单、产权证明及其所有人同意抵押的证明文件 保证人同意保证的证明文件 项目立项文件及可行性报告,等 The Six Basic C’s of Lending 贷款审查6个基本的C Character 借款人的品质– Specific purpose of loan and serious intent to repay loan 有明确的贷款目的和认真的还款态度 Capacity借款人的能力 – legal authority to sign binding contract在法律上有能力签署具有约束力的贷款协议 Cash现金 – ability to generate enough cash to repay loan 有能力获得足够的现金还款 Collateral 担保– adequate assets to support the loan拥有足够的资产支持贷款 Conditions 环境– economic conditions faced by borrower 借款人面临的经济环境 Control 控制– does loan meet written loan policy and how would loan be affected by changing laws and regulations 贷款申请是否符合贷款政策？是否受法律法规变化的影响？ Parts of a Typical Loan Agreement贷款协议的结构 The Note 票据 signed by the borrower, specifies principal a