银行管理（第六版）教师手册 Chapter_15_IM_updates.docVIP

PAGE PAGE 215 CHAPTER 15 LENDING POLICIES AND PROCEDURES Goal of This Chapter: The purpose of this chapter is to learn why sound lending policies are important to banks and other lenders and the public they serve and how to spot and deal with problem loans when they appear in an institution’s portfolio. . Key Topics in This Chapter Types of Loans Banks Make Factors Affecting the Mix of Loans Made Regulation of Lending Creating a Written Loan Policy Steps in the Lending Process Loan Review and Loan Workouts Chapter Outline I. Introduction II. Types of Loans A. Real Estate Loans B. Financial Institutions Loans C. Agricultural Loans D. Commercial and Industrial Loans E. Loans to Individuals F. Miscellaneous Loans G. Lease Finance Receivables Ill. Factors Determining the Growth and Mix of Loans A. Characteristics of the Market Area B. Loan Participations C. Lender Size D. Experience and Expertise of Management E. Institutions Loan Policy Expected Yield Functional Cost Analysis IV. Regulation of Lending A. The Lending Limit B. Limitation on Real Estate Lending The Community Reinvestment Act Equal Credit Opportunity Act E. Truth-in-Lending Act F. International Lending Rules G. Examiner Loan Ratings H. CAMELS Rating V. Establishing A Written Loan Policy VI. Steps in the Lending Process VII. Credit Analysis: What Makes a Good Loan? A. Is the Borrower Credit Worthy? 1. Character 2. Capacity 3. Cash 4. Collateral 5. Conditions 6. Control B. Can the Loan Agreement Be Properly Structured and Documented? C. Can the Lender Perfect Its Claim Against the Borrowers Earnings and Any Assets That May Be Pledged as Collateral? 1. Reasons for Taking Collateral 2. Common Types of Loan Collateral Accounts Receivable Factoring Inventory Real Property Personal Property Personal Guarantees 3. Other Safety Devices to Protect a Loan VIII. Sources of Information About Loan Customers A. Credit Bureaus B. Publications of Financial Information C. Information on Economic Conditions IX. Parts o