抵押品评估与信用风险管理课件 .ppt

Collateral Evaluation and Credit Risk Management抵押品评估与信用风险管理;1. Why is Collateral Evaluation Important? 为什么抵押品评估重要 2. Types of Collateral and Regulatory Pitfalls 抵押品种类和法规缺陷 3. Evaluation of Collateral (Real Estate) 抵押品评估（房产） 4. Evaluation of Collateral (Other Assets) 抵押品评估（其他资产） 5. Protection of Collateral 抵押品保护 Creation of Security Interest 担保利益的创立 Perfection of Security Interest 担保利益的完善 6. Collateral Management 抵押品管理 Collateral Management for Credit Risk Management 信用风险管理中的抵押品管理 Safeguarding the Enforcement 维护强制执行 7. Enforcement of Collateral 抵押品的强制执行 8. Extinguishing Security Interest in Collateral 抵押品利益的终止;Why is Collateral Evaluation Important?为什么抵押品评估很重要？;Why is Collateral Evaluation Important?为什么抵押品评估很重要？;Why is Collateral Evaluation Important?为什么抵押品评估很重要;Role of Collateral in Financial Intermediation I抵押品在金融中介活动中的作用 I;Role of Collateral in Financial Intermediation II抵押品在金融中介活动中的作用 II;2. Types of Collateral and Regulatory Pitfalls抵押品种类和法规缺陷;What is Collateral?什么是抵押品;Collateral Laws and Collateral Types担保法和抵押品种类;3. Evaluation of Collateral(Real Estate)抵押品评估（不动产）;Principles of Collateral Evaluation抵押品评估原则;Basics of Land Collateral Evaluation土地抵押品评估基础;;(Price A × 30) + (Price B × 70);Income Capitalization收益还原法 I;Calculate the present value of the rent income for the certain future period.计算将来一短时间内的租金收入的现值 Income capitalization approach using rents may be used in a situation where a loan officer knows the property concerned has a certain value for the market, but there is no way to reasonably estimate and explain the value due to the lack of transaction.使用收益还原法时，贷款主管知道土地的市场价格，不过如果没有类似交易的时候，就没有办法合理估计和解释价值了。 The estimated value may be much lower than a potential market value (additional margin for valuation uncertainty).估计的价值可能远低于潜在的市场价格（由于价格的不确定性而需要附加利差） It depends on bank’s loan policy, but time horizon should be limited to 10 to 12 years. 这取决于银行的贷款政策，不过一般的时间跨度应该在10-12年以内;Annual rent年租金 (336×12)–(maintenance cost维护成本 300);Income Capitalization Ap