文档介绍：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 Characteristics
Chapter 16 mercial 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 Characteristics
The Credit Process
Business Development and Credit Analysis
Credit Execution and Administration
Credit Review
The credit process
The 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 peting 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 process
Loan policy: formalizes lending guidelines
Credit philosophy: how much risk and the form
Credit culture: the fundamental principles
Three potentially different credit cultures:
Values-driven
Current-profit driven
Market-share driven
The credit process includes three functions
Business development and credit analysis
Underwriting or credit execution and administration
Credit review
Five Cs of good credit
Character: 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 factors
Collateral: secondary source of repayment or security in the case of default.
Five Cs of bad credit
Complacency: the tendency to assume
Carelessness: monitor a borrower’s progress and identify problems as early as munication: between management and loan officers
Contingencies: failure to identify downside petition: petitors’ behavior rather than maintaining