独家整理商业银行管理中英文课件.pptVIP

* Often the fundamental character of the borrower is revealed in the purpose of the loan request. 贷款申请的目的通常是显示了借款人的基本特点。Experienced loan officers fill out the loan application rather than letting the borrowing customer do it alone. By asking the customer pertinent financial questions as the application is being filled out, a skilled lender often can make a better call on whether the customer’s loan request meets the bank’s quality standards.通过询问客户一些相关的问题，放贷机构常能就 客户的信贷申请是否符合放贷机构的质量标准做出更好的判断。 The customer’s spoken answers may be far more revealing about character and sincerity of purpose than anything written on a piece of paper or typed in a computer file. * Unfortunately, economic pressures encouraging automation in the consumer lending process have led many banks to spend less time with the customer. Information gathering and loan evaluation increasingly are being turned over to computer programs. The result is many consumer loan officers today know very little about the personality and character traits of their customers beyond the information called for on a credit application, which may de faxed or telephoned in or sent via computer to the bank. * In the case of a borrower without a credit record or with a poor track record of repaying loans, a cosigner may be requested to support repayment. Technically, if the borrower defaults on a cosigned loan agreement, the cosigner is obligated to make good on the loan. However, many bankers regard a cosigner mainly as a psychological device to encourage repayment of the loan, rather than as a real alternative source of security. The borrower may feel a stronger moral obligation to repay the loan knowing the cosigner’s credit rating also is on the line. * But bankers often hesitate to pursue a cosigner vigorously, because this can mean the loss of all the cosigner’s banking business and perhaps the accounts of other sympathetic customers as well. 但银行家们经常不愿意去要求一个联保人,因为这可能意味着失去所有的联保人的银行业务，也可能失去其他有同情心客户的账户服务。 * Inco