文档介绍：信用管理概论The Outline of Credit Management
吉林大学商学院
渠邕
第一讲身边的信用
Credit Besides you
信用卡
信用卡大战进校园大学生不慎变“卡奴”
虽然不少银行严禁信用卡推销人员采取向学生推销信用卡的办法来扩张业绩,但为了从银行拿到信用卡发行的佣金,一些信用卡发行中介还是采取打“擦边球”的方法大量向大学生推销信用卡。而帮助信用卡发行中介推销信用卡的大学生也能从中提取一部分佣金。
购房按揭贷款
对现代人来说,五子登科,不外乎是银子、妻子、房子、孩子、车子。
五子登科的核心是银子,而作为没有积蓄或收入较低的群体,以及考虑到投资收益的关系,现在多数购房者选择按揭贷款。
供求关系
金融机构
消费者
金融机构
消费者
金融机构
消费者
品质(Character)
能力(Capacity)
资本(Capital)
抵押物(Collateral)
环境(Condition)
mon sense)
解决资金短缺
风险
收益
专业化管理
Subprime mortgage crisis(1)
In 2007, the sub-prime crisis caused a widespread liquidity crunch in the CP market. Because SIVs rely on short-dated CP to fund longer-dated assets, they are frequently refinancing. In August, CP spreads widened to as much as 100bp (basis points), and by the start of September the market was pletely illiquid. That showed how risk-averse CP investors had e even though SIVs contain minimal sub-prime exposure and as yet had suffered no losses through bad bonds. It's a matter of debate, however, whether this risk aversion was a matter of prudence or misunderstanding of the CP market.
Subprime mortgage crisis(2)
P15
062207SubprimeFactSheet_Update P2-7
Subprime mortgage crisis(3)
Time Line ( SubprimeMarch08Update )
December 28, 2006 : Ownit Mortgage Solutions files for bankruptcy.
…………
March 26, 2008: Senate Banking Chairman Chris Dodd and Representative Barney Frank, Chairman of the House Financial mittee have begun working in their respective chambers to expand the Federal Housing Administration in hopes of freeing up both Fannie Mae and Freddie Mac to continue offering loans to American Homeowners.
Subprime mortgage crisis(4)
In general, subprime lending (also known as B-paper, near-prime, non-prime, or second chance lending) is lending at a higher rate than the prime rate.
However, in . mortgage lending specifically, the term "subprime" simply refers to loans that do not meet Fannie Mae or Freddie Mac guidelines. It may or may not reflect cred