抵押品评估与信用风险管理课件.pptVIP

Perfection of Security Interest担保利益的完善 After perfection the secured party is protected against other creditors and transferees of the debtor and in particular, against any representative of creditors in insolvency proceedings instituted by or against the debtor.*在完善担保利益之后，被担保方的利益对其他债权人和债务人的转让方是被保护的，特别是在债务人破产时，对其他债权人代表而言。 Depending on the jurisdiction, different collateral may have different rules for perfection根据权限，不同的抵押物有不同的完善规则 Perfection upon attachment alone单独附加的完善 Temporary perfection in certain collateral特定抵押物的暂时完善 Perfection by pledge or possessory security interest通过抵押或拥有担保利益来完善 Perfection by filing (registration)归档（登记）完善 Perfection where filing is required under a special law特定法律规定需要通过归档来完善 Perfection by public notice (example: news paper advertisement)通过公告来完善（例：报纸广告） *Based on: Law in a Nutshell: Secured transactions, Richard B. Hagedorn, Thomson West, 2007, p123 6. Collateral Management抵押品管理 Collateral Management抵押品管理 Collateral Management抵押品管理 Collateral management includes two risk management concepts: 抵押品管理包括两项风险管理概念 (1) Collateral management for credit risk management信贷风险管理的抵押品管理 (2) Safeguarding the enforceability强制行使权的保护 Collateral Management 抵押品管理 Collateral Management for CRM 抵押品管理 Safeguarding the Enforceability 保护强制行使权 Safe Custody/ Collateral Book 保管/抵押品登记册 Credit File 信贷档案 Record Keeping档案记录 Revaluation/Reappraisal against credit exposure 根据信用风险再评估/再评价 Numbering/Tagging编号/标签 Maturity Management到期管理 Renewal of security interest 更新担保利益 Periodical check of inventory 定期实物检查 Credit File信用档案 I Record Keeping档案管理 Appraiser’s name, the effective date of the evaluation, and signature and address (when the evaluation is outsourced)鉴定人名称，评估的有效日期，千字和地址（当评估是由外部人员完成的） Description of the collateral抵押品描述 Real estate: ownership, location, shape, condition, developments, pictures, maps, neighborhood, usage, a copy of construction approval, attached easement, etc.房地产：所有者，位置，形状，环境，发展状况，照片，地图，附近情况，用途，建筑批准书复印件，附属物，等 Goods: location of the goods, qua