(精选)金融专业英语阅读(第二版)Chapter 12 Credit Analysis课件.ppt

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. Security 担保，抵押 property or an item of value that can be claimed by a person, bank or other organization if a loan is not repaid. 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。 Underwriting担保，风险分析 carrying out a detailed investigation of the risk involved in making a loan to a particular borrower, especially by a bank. 担保，风险分析，指的是在给予特定贷款人贷款前进行详细的风险调查，尤其是银行开展的调查。 Reported Net Worth 账面净值 the value of a business is calculated by subtracting all its debts from its items of value, as shown in a financial statement. 账面净值，指的是将所有债务从有价物中抽出而计算的一种商业价值，通常反映在财务报表中。 Maturity 到期，到期日 the date on which a bill of exchange, promissory note, insurance policy, debenture or loan stock become