五章商业银行贷款管理.pptxVIP

第五章 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 CharacteristicsChapter 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 CharacteristicsThe Credit ProcessBusiness Development and Credit AnalysisCredit Execution and AdministrationCredit ReviewThe credit processThe 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 processLoan policy: formalizes lending guidelines Credit philosophy: how much risk and the formCredit culture: the fundamental principlesThree potentially different credit cultures:Values-drivenCurrent-profit drivenMarket-share drivenThe credit process includes three functionsBusiness development and credit analysisUnderwriting or credit execution and administrationCredit reviewBusiness development and credit analysisMarket researchAdvertising, public relationsOffice call programsObtain financial statements, borrowing resolution, credit reports.Financial statement and cash flow analysisEvaluate collateralLine officer makes recommendation on accepting/rejecting loanFive Cs of good credit and five Cs of bad creditFive Cs of good creditCharacter: 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 factorsCollateral: secondary source of repaym