信贷管理【外文翻译】.pdfVIP

外文翻译 原文 Post-Disbursement Management Material Source:Economic behavior and organization Author:Laurie Michael 1. Credit Review Credit review refers to a banks on-going monitoring and analysis of its credit clients and the relevant factors that can influence safety of the clients credit asset. Through credit review a bank can find out early warning signals as early as possible and take remedial measures. The process of credit review includes collecting clients credit information, reviewing clients current status, credit business progress, and security status in line with the information. After reviewing, the bank should know whether its clients are still qualified borrowers, whether their financial, operation and credit statuses have been deteriorated, whether there are any events that may incur material and negative impacts on clients repayment capabilities. After credit review, the bank will find out early warning signals, can take remedial measures and mitigate risks. At the same time, relevant reports should be prepared to record the review process. Credit review consists of client review, credit risk review and security review. A. Client review i. For corporate clients, client review includes the review of: * A clients basic status. Is the client still a qualified borrower? It is a precondition for the client to borrow from a bank. * A clients operation status. Analyze the clients current profitability and repayment and their trends via understanding the clients internal enterprise development as well as its industrys development. * A clients internal management level. * Information of how a client uses its loans and the clients credit history. * A clients financial status. Credit officers should take the clients industr