Credit Philosophy Tab03 Insert pdtcharact 英.doc

TRADITIONAL 传统产品 EM BANKING PRODUCTS银行产品 GCB CARD BUSINESS 信用卡业务 GCB – CARD Example of Product 产品举例 Term Loan固定期限贷款 Demand Loan非固定期限贷款 ACA Bills Mortgage按揭 Personal Loan个人贷款 Overdraft透支 Visa, MasterCard Diners大莱卡 Private Label 个人标记 Co-brand联名标记 Security 担保 Secured 全额担保 Partially Secured部分担保 Clean无担保 Secured全额担保 Partially Secured部分担保 Clean无担保 Clean无担保 Target Market 目标市场 Corporation公司 Small Businesses小业主 Individuals个人 Individuals个人 Companies for Corporate Card 公司卡公司客户 Product Differentiation 产品差异 Wide宽广 Narrow狭窄 Almost none in some markets在部分市场中几乎没有 Purpose Of Loan 贷款目的 Usually known, except for working capital除流动资金贷款外，通常情况下基本知晓 Usually known, except for overdrafts (or sometimes PL)除透支外，通常情况下基本知晓 For daily use (occasionally for cashflow purpose) on purchases, travel or entertainment为日常消费、旅游、娱乐（有时为保持一定现金流目的） Customer Perception Of Loan客户对贷款的理解 Financing/Loan融资/贷款 Financing/Loan融资/贷款 Payment Instrument in lieu of cash 代替现金作为支付工具 Loan No/Size贷款规模 Few in number贷款次数少 Large in amount贷款金额大 Many in number贷款次数多 Small to medium 贷款金额小－中等 Many in number贷款次数多 Small in amount贷款金额小 TRADITIONAL 传统产品 EM BANKING PRODUCTS银行产品 GCB CARD BUSINESS 信用卡业务 GCB – CARD Tenor期限 Fixed固定 Revolving (on demand)循环（如需要） Fixed固定 Revolving (on demand) 循环（如需要） Fixed (basically TE card) 固定 Revolving (bankcard)循环（银行卡） Term周期 Fixed固定 Annual review (demand)每年重审（如需要） Fixed固定 Annual review (demand)每年重审（如需要） Evergreen永恒 Loan Structure贷款结构 Tailor-made弹性差异 Standard for some products部分产品具有标准化 Mostly standard (product program) 大部分标准化（产品程序） Occasionally tailor-made有时具有弹性 Standard (product program)标准化产品（产品程序） Interest利率 Mostly floating大多浮动 Floating浮动 Fixed固定 Fixed but adjustable 固定但可调节(applicable to revolvers 根据循环情况)  Major Fee Income主要收入来源 Loan fee贷款利息 Commitment承诺费 Penalty fee罚金 Loan fee贷款利息 Commitment承诺费 Penalty fee罚金 Entrance fee 开卡费 Annual fee年费 Credit Initiation信贷启用 Special documentation特殊文本 Non-standard RAAC非标准化RAAC Standard documentation标准文本 Standard RAAC标准化RAAC Standard