中译 本科银行管理Chapter 10.pptVIP

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;10.1 Bank Lending: Policies and Procedures;2. Factors Determining the Growth and Mix of bank Loans贷款组成和发展的决定性因素;3. Regulation of Lending放贷监管;3. Regulation of Lending;3. Regulation of Lending; 4. Loan Policy放贷政策;4. Loan Policy;4. Loan Policy;4. Loan Policy;4. Loan Policy;5. Steps in the lending process放贷步骤;6.Credit analysis放贷分析;6.Credit analysis;6.Credit analysis;6.Credit analysis;7.Sources of information about loan customers获取贷款客户信息的途径;银行经常靠外部信息来评估一个贷款客户的人品, 经济地位, 以及抵押物. 首先是审查借款人提供的信息资料. 要借多少钱? 什么用途? 客户有何义务去履行? 客户何种资产能够作为抵押物? 很多银行会向其他的贷款人咨询他们和这个客户的交易经历. 很多借款者提供他们债券, 其他证券以及总体的信用评级.穆迪和标准普尔信用评级机构反映了各种债券和短期票据的缺陷.;8.parts of a typical loan agreement贷款协议(部分);8.parts of a typical loan agreement;9.Handling problem loan处理问题贷款;10.1. Question:;10.2 Pricing Business Loans商业贷款定价;10.2 Pricing Business Loans ;10.2 Pricing Business Loans ;10.2 Pricing Business Loans ;10.3 Evaluating Consumer Loans消费贷款评估;10.3 Evaluating Consumer Loans;10.3 Evaluating Consumer Loans;10.3 Evaluating Consumer Loans;10.3 Evaluating Consumer Loans