Chapter 12 Credit Analysis.pptVIP

担保，指的是如果债务不能得到偿还，个人，银行或者其他组织就有权索要的财产或者有价物。 Chapter 12 Credit Analysis I Open Questions 1. What are the definitions of credit analysis and the three distinct areas of commercial risk analysis? 2. What are the five Cs that influence the credit? 3. What are the five Cs of bad credit, which may worsen the credit? 4. What is the process of formal credit analysis and quantitative analysis for the loan officer? II. Teaching Plan This chapter will cover 3 hours. 2 hours for the introduction of background information and explanations of terms and the texts. And the other 1 hour for discussion and practice. III. Teaching Methods Translation of key sentences Paraphrasing of key words and expressions Explanation of new terms Summarizing of key passages Discussion of important issues Questions and answers: interaction between teachers and students IV Background With the development of social economy and improvement of civil living standard, an increasing number of people and enterprises apply for loan from banks or other financial institutions to further bring benefits for themselves and China. As a result, credit analysis is very important for evaluating the qualification of borrowers so that the credit system can work well and orderly. An organized credit analysis is crucial to the economic development of modern society. V. Special Terms Default 不履行责任，拖欠 In?finance,?default?occurs when a debtor has not met his or her legal obligations according to the debt contract, e.g. has not made a scheduled payment, or has violated a?loan covenant?of the debt contract. A default is the failure to pay back a loan. Default may occur if the debtor is either unwilling or unable to pay their?debt. This can occur with all debt obligations including?bonds,?mortgages,?loans, and?promissory notes. 违约，指债务人不能满足他或她在债务合同的法律义务，例如没有做出付款安排，或违反了债务合同内的条件。违约是没有偿还贷款。当债务人不愿或无力支付债务，例如债券、抵押、贷款或本票，即可能会出现违约。 Security 担保，抵押 property or an item of value that can be claimed by a person, bank o