个人及商业信贷.ppt

Teaching Contents
Personal mercial Lending :An Introduction
Personal mercial Lending :Advanced
This Unit is designed to enable candidates to understand the principles and products that apply when lending to personal mercial borrowers. It prepares the candidate for practical lending situations that would arise in the banking and related financial services industries and is relevant to candidates with no experience or to those who have a limited experience in lending.
Unit purpose
Assessment
It is preferred that this Unit be assessed by an instrument of assessment that would require candidates to answer questions based on a case study relating to a personal mercial lending situation.
Section 1
1 Importance of Lending practice
Main source profit of financial institutions
Risk of nonpayment
Funds entrusted to a financial institution by depositors-principal and agent relationship, moral hazard
Responsibility to protect the investment of shareholders of financial institutions
Legal implications
2 A systematic approach to lending
stage
Non-customers
Existing customers
The application form
Reviewing the application
CAMPARI
CCCPARTS
PARSERS

Monitoring and Contol
Section 2
1 Principle of lending
Personal aspects
character- integrity, honesty and reliability
capital
capability
Amount and purpose
Fiscal or government directives, or strategic reason
Personal customer-the ability to repay the loan
Business customer-supporting evidence
Repayment
Nature of the loan and interest
Safety
short and medium-term personal borrowing is unsecured
Main danger to the repayment by regular salary is redundancy and illness
Expediency
Occasionally decisions on lending are made that do not always follow an expected pattern
Remuneration
Interest
Commission