Part Six的.pptVIP

Part Six ;Definition Categories of Loans The Credit Process Post-Disbursement Management ;I. Definition Categories of Loans;2.Do you know these loans? By Maturity By maturity, loans can be divided into two broad categories. Those with maturity of one year or less are called short-term loans while those with maturity exceeding one year are called medium-or long-term loans. Short-term loans are often used to satisfy working capital needs, to fill clients’ short-term needs for funds for projects within the business scope . Medium-and long-term loans are often used to finance fixed asset investment.;;By Number of Lenders A bilateral loan is a loan arranged by a bank between a borrower and itself. A syndicated loan is a loan extended by a group of banks to a corporate borrower. These syndicated banks share credit information and credit risk.;By Type of Borrowers Those with borrowers that are either companies or institutions are called corporate and institutional loans. Those with borrowers that are individuals are called personal loans.; By Nature of Common Usages Working capital loan is a short-term business loan financing the purchase of income-generating assets, principally inventory. Working capital loans are generally written with lending terms requiring full payment within a specified period.;By Nature of Particular Usages Real estate development loans for either commercial or residential real estate development are granted to a qualified property developer. A mortgage loan for residential houses is granted to a borrower to purchase a residential house(s), for which he/she owns the proprietary, including first-hand house(s), second-hand house(s) and economical houses provided by the government.;Agriculture loans are similar to commercial industrial loans in that short-term credit finances seasonal operating expenses, in this case those associated with planting and harvesting crops. Education loans are made for college or vocational training expenses, oft