Chapter 12商业银行学中英文双语课件.ppt

Collateral担保 Inventory存货 loan commitment贷款承诺 line of credit信贷限额 Compensating balances补偿余额 Installment分期付款 balance sheet and income statement资产负债表和利润表 the London Inter-Bank Offered Rate (LIBOR)伦敦银行间拆借利率 a cyclical financial plan循环融资计划 a single-payment note一次性付款票据 equity capital-to-loan ratio权益资本贷款比率 Chapter 12Credit Analysis and Loan Pricing信用分析和贷款定价 Different loan applicants may be expected to have different risk characteristics. As a result, it is necessary to evaluate the risks associated with each applicant so that he/she can be placed in a general risk class. Ultimately, the decision whether to make the loan must reflect the perceived level of risk or uncertainty of payment relative to the loans gross return. Completion of the credit review process will provide information on which the lending officer may base the decision to make or refuse the loan. If the decision is to make the loan, the loan must be priced, or the rate of interest and other terms of the loan established, and discussed with the customer. If the loan is refused, the customer must be informed of the reason(s) for the denial. Consumer protection laws require this disclosure. §1 Credit Risk Evaluation The nature of the process will be affected by factors such as the size of the loan, the purpose of the loan, the computer technology of the bank, and the historical relationship between the customer and the bank. Whatever the process, the evaluation of the prospective borrower is intended to provide an indication of the likelihood of default by the borrower. Character refers to the integrity or willingness to pay of the borrower. Capacity refers to the repayment capability of the loan applicant. The repayment capability is measured by the expected cash flow of the borrower. Capital refers to the financial worth of the borrower, usually measured by net worth (total assets minus total liabilities). Collateral refers to any