中译 本科银行管理课件chapter 10.pptVIP

8.parts of a typical loan agreement贷款协议(部分) ⑴The note When a bank grants a loan to one of its customers, such an extension of credit is always accompanied by a written contract with several different parts. 当银行同意贷款时, 贷款通常有一个书面的合同 10.3 Evaluating Consumer Loans 3.Credit Scoring Consumer Loan Application judgmental procedures Credit analysis credit scoring procedures 10.3 Evaluating Consumer Loans 4.Pricing Consumer Loans Loan rate paid by the consumer =Bank’s cost of raising loanable funds +Nonfunds operating cost (including wages and salaries of bank personnel) +Premium for risk of customer default +Premium for term risk with a longer-term loan +Desired profit margin * * * * * * * * * * * * * * * * * Chapter 10Managing Bank Use of Funds银行资金管理 10.1 Bank Lending: Policies and Procedures银行借出政策及其程序 1.Types of Loans Made by Banks银行贷款种类 Bank loans may be divided into seven broad categories of loans, delineated by their purposes.贷款因其用途不用分为几大类: Real estate loans(房地产贷款）are secured（抵押） by real property – land, buildings, and other structures- and include short-term loans for construction and land development and longer-term loans to finance the purchase of farmland, homes, apartments, commercial structures, and foreign properties. 房贷是用不动产作为抵押，包括土地，建筑及其他构建。房贷包括短期建设性贷款和用于购买农田,住所, 楼房, 长期贷款, 商用建筑,以及外国财产的长期贷款 Financial institution loans（金融机构的贷款）include credit to banks, insurance companies, finance companies, and other financial institutions. 金融机构贷款包括为银行,保险公司, 金融企业及其他金融机构的贷款. Agricultural loans(农业贷款）are extended to farms and ranches to assist in planting and harvesting crops and supporting the feeding and care of livestock （牲畜）. 涉农贷款是帮助农民种植收割农作物, 并资助牲畜的培养. 10.1 Bank Lending: Policies and Procedures Commercial and industrial loans(工商业贷款）are granted to businesses to cover purchasing inventories(存货), paying taxes, and meeting payrolls（薪水）.工商业贷款让商业机构购置存货,付税,支付工资 Loans to individuals (个人贷款) include credit