个人与商业信贷讲解.ppt

Personal and Commercial Lending Fang Ming（方明） 027fxlasting@ Teaching Contents Personal and Commercial Lending :An Introduction Personal and Commercial Lending :Advanced Assessment It is preferred that this Unit be assessed by an instrument of assessment that would require candidates to answer questions based on a case study relating to a personal and commercial lending situation. Section 1 1 Importance of Lending practice Main source profit of financial institutions Risk of nonpayment Funds entrusted to a financial institution by depositors-principal and agent relationship, moral hazard Responsibility to protect the investment of shareholders of financial institutions Legal implications 2 A systematic approach to lending 2.1Introduction stage Non-customers Existing customers 2.2 The application form 2.3 Reviewing the application CAMPARI CCCPARTS PARSERS 2.4Evaluation 2.5 Monitoring and Contol Section 2 1 Principle of lending 1.1 Personal aspects character- integrity, honesty and reliability capital capability 1.2 Amount and purpose Fiscal or government directives, or strategic reason Personal customer-the ability to repay the loan Business customer-supporting evidence 1.3 Repayment Nature of the loan and interest 1.4 Safety short and medium-term personal borrowing is unsecured Main danger to the repayment by regular salary is redundancy and illness 1.5 Expediency Occasionally decisions on lending are made that do not always follow an expected pattern 1.6 Remuneration Interest Commission 1.7Selling 2 Personal information relevant to personal lending 3. Importance of source and timing of income in relation to personal lending Salary Overtime payments, bonuses, commissions