商业银行贷款管理.ppt

商业银行贷款管理 第五章 商业银行贷款管理 Chapter 15 Credit Policy and Loans Characteristics Chapter 16 Evaluating Commercial Loan Requests Chapter 17 Evaluating Consumer Loans 《商业银行法》中有关贷款的规定（2003年12月） 贷款通则（征求意见稿）（2004年5月） 商业银行授信工作尽职指引（2004年7月16日） 贷款风险分类指导原则（2001年12月24日） 贷款损失准备计提指引（2002年1月1日） 担保法（1995年10月1日） 个人住房贷款管理办法（1998年5月15日） Chapter 15 Credit Policy and Loans Characteristics The Credit Process Business Development and Credit Analysis Credit Execution and Administration Credit Review The credit process The fundamental objective of lending is to make profitable loans with minimal risk. Management should target specific industries or markets in which lending officers have expertise. The somewhat competing goals of loan volume and loan quality must be balanced with the bank’s liquidity requirements, capital constraints, and rate of return objectives. The credit process relies on each bank’s systems and controls that allow management and credit officers to evaluate risk and return trade-offs. The credit process Loan policy: formalizes lending guidelines Credit philosophy: how much risk and the form Credit culture: the fundamental principles Three potentially different credit cultures: Values-driven Current-profit driven Market-share driven The credit process includes three functions Business development and credit analysis Underwriting or credit execution and administration Credit review Business development and credit analysis Market research Advertising, public relations Office call programs Obtain financial statements, borrowing resolution, credit reports. Financial statement and cash flow analysis Evaluate collateral Line officer makes recommendation on accepting/rejecting loan Five Cs of good credit and five Cs of bad credit Five Cs of good credit Character: honesty and trustworthiness. Capital: wealth position measured by financial soundness and market standing. Capacity: legal standing and management’s expertise. Conditions: economic environment or industry-specific