Loans 经管类课件
金融管理银行借贷实务课件
金融管理银行借贷实务课件集团标准化小组：[VVOPPT-JOPP28-JPPTL98-LOPPNN]课程名称：银行信贷实务 课程编号：1300023Z 课程类别：职业能力核心课程 适用专业：金融管理与实务 学 时：72 学 分：4 一、课程的性质“银行信贷实务”是金融管理与实务专业的职业专门能力课程，以实践技能训练和仿真模拟实训为特色，是一门理论知识与实践技能相结合、课程与工作相结合、教室与实训室相结合的工作过程系统化课程，对学生职业能力培养和职业素养培养起着主要支撑与促进作用。
通过本门课程的学习与训练，学生会将以往所学的《金融学基础》、《商业银行业务》、《财务会计基础》、《财务报表分析》、《管理学基础》等专业课程的知识进一步应用到本课程实战实训中，切实提升动手能力和岗位技能，为后续定岗实习做好充分准备。
二、设计思路信贷业务是银行的核心业务之一，是金融管理与实务专业学生毕业后的主要就业方向。
通过多次深入建设银行番禺支行、广东发展银行番禺支行、中国农业银行沙湾支行、上海浦东发展银行五羊支行等金融机构进行调研，邀请行业企业专家来校指导、向银行一线工作人员了解工作任务与工作流程、毕业生反馈交流等形式，在对信贷业务实际工作过程进行分析及多次专业论证的基础上，确定课程对应的职业岗位群是商业银行信贷客户经理、产品经理、国际业务部门（单证）中心操作人员、柜员等一线工作岗位.通过对上述岗位职责的归纳整理，确定本课程的培养目标为：培养学生熟练掌握银行信贷工作中受理申请、贷款调查、贷款发放以及贷后管理等各步骤的工作内容、操作方法和基本操作技能，知道实际银行信贷岗位在何时该完成何工作，以及如何完成这些工作，具备基本的上岗能力，为毕业后实现零距离就业奠定基础。
本课程的教学内容，是根据工作过程，对信贷业务工作涉及到的繁杂内容进行筛选和重新排序，突出实践能力的培养，以工作任务为载体进行构建。
同时按照知识、能力协调发展的原则，设计相关理论知识部分，作为实践教学的一种辅助。
金融管理基础英文课件 (8)
8-2
Trade Credit
• Approximately 40 percent of short-term financing is in the form of accounts payable or trade credit
– Accounts payable
• Is a spontaneous source of funds • Grows as the business expands • Contracts when business declines
8-6
Bank Credit
• Provide self-liquidating loans
– Use of funds ensures a built-in or automatic repayment scheme
• Changes in the banking sector today:
– Centered around the concept of ‘full service banking’ – Expanded internationally to accommodate world trade and international corporations – Deregulation has created greater competition among other financial institutions
• Assuming that 6% is the stated annual rate and that 20% compensating balance is required; Effective rate with compensating balances = = Interest (1 – c) 6% = 7.5% (1 – 0.2)
第五章 商业银行贷款业务管理 《商业银行经营管理实务》PPT课件
5.2.2 制定贷款政策应考虑的因素
1) 有关法律、法规和国家的财政、货币政策 2) 银行的资本金状况 3) 银行负债结构 4) 服务地区的经济条件和经济周期 5) 银行信贷人员的素质
5.2.3 贷款程序
贷款申请
贷款调查
对借款人信用评估
贷款审批
借款合同签订和担保
贷款发放
贷款检查
贷款收回
2) 按贷款的保障条件分类，商业银行贷款可以分为信用贷款、担保贷款和票据贴现 信用贷款是商业银行仅凭借款人的信誉而无须借款人提供担保发放的贷款。 担保贷款是指以某些特定的财产或信用作为还款保证的贷款。 票据贴现是商业银行贷款的一种特殊方式，它是指银行应持票人(客户)的要求，以现款买进持票人持有但尚未到期的商业票据的方式而发放的贷款。
3) 按照贷款规模分类，商业银行贷款可以分为批发贷款与零售贷款两大类 批发贷款也称为企业贷款，一般是指商业银行对个人、合伙人或公司为经营企业的目的而发放的金额较大的贷款。 零售贷款即消费者贷款，是指银行仅仅为个人消费目的而不是为经营目的所发放的贷款，包括住房消费贷款、汽车贷款、教育贷款、医疗贷款，信用卡透支等。
商业银行经营管理实务
5.1 贷款业务概述
5.1.1 贷款业务的概念 商业银行贷款是指商业银行作为贷款人按照一定的利率提供给借款人使用，并到期收回本金息的一种资金运用形式。贷款是商业银行的传统核心业务，也是商业银行最主要的盈利资产。
chapter 13 managing loans
安徽财经大学
Anhui University of Finance & Economics
安徽财经大学
Anhui University of Finance & Economics
2013-8-22
休息一下
2013-8-22
休息一下
Trends in loan growth quality Large banks have, on average, recently reduced their dependence on loans relative to smaller banks Real estate loans represent the largest single loans category for banks Residential 1-4 family homes contributes the largest amount of real estate loans for loans Commercial and industrial loans represent the second highest concentration of loans at banks Loans to individuals are greatest for banks with more than $1billion in assets Farmland and farm loans make up a significant portion of the smallest banks’ loans
PPT精品课件货币金融学7版英文课件4大学课件20
Distinction Between Real and Nominal Interest Rates
Real Interest Rate Interest rate that is adjusted for expected changes in the price level ir = i – e 1. Real interest rate more accurately reflects true cost of borrowing 2. When real rate is low, greater incentives to borrow and less to lend if i = 5% and e = 3% then: ir = 5% – 3% = 2% if i = 8% and e = 10% then ir = 8% – 10% = –2%
$1000 – $988 365 idb = x = 0.0487 = 4.8% $988 91 Two Characteristics 1. Understates yield to maturity 2. Change in discount yield always signals change in same direction as yield to maturity
Four Types of Credit Instruments 1. Simple loan 2. Fixed-payment loan 3. Coupon bond 4. Discount (zero coupon) bond Concept of Present Value Simple loan of $1 at 10% interest Year 1 2 3 n $1.10 $1.21 $1.33 $1x(1 + i)n $1 PV of future $1 = (1 + i)n
金融英语听说课件unit9loans
Definition and types of loans
Types of Loans
Mortgage Loan: A loan used to purchase real estate, usually over a long repayment period.
Personal Loan: A loan for personal expenses or small business ventures, usually with a shorter repayment term.
Lenders must conduct thorough credit checks and evaluate the financial health and track record of the borrower to mitigate credit risk.
Supervision of enterprise loans includes monitoring loan performance, enforcing repayment terms, and taking appropriate action in case of default or delinquency.
Interest rates and fees for loans
Interest Rate: The cost of borrowing money, calculated as a percentage of the principal amount.
Variable vs. Fixed Interest Rate: Loans may have a variable interest rate that can fluctuate or a fixed interest rate that remains constant throughout the repayment term.
行业之Lending Clu幻灯片PPT
向客户提供的小额贷款。网络小额贷款应遵守现有小
额贷款公司监管规定，发挥网络贷款优势，努力降低
客户融资成本。网络借贷业务由银监会负责监管。
诈骗公司
自融平台
经营不善
• 狂热的投资者（高收益，组团投资：包子团、友情团）
陆金所
• 单纯依靠高 利率的幌子 以后很难吸 引到投资者
• 部分股东背 景实力雄厚 的公司有望 脱颖而出
观点
• 认识：P2P在中国发展潜力巨大 （美国）过度消费——用于在P2P平台投资的资金有限；金融发达——
投资渠道多样，P2P仅是渠道之一
陆金所
稳盈-安e贷是低风险的个 人投融资服务。所有稳盈安e贷均由中国平安旗下担 保公司承担担保责任。若 借款方未能履行还款责任， 担保公司将对未被偿还的 剩余本金和截止到代偿日 的全部应还未还利息与罚 息进行全额偿付。
陆金所
• 2013年8月，P2P平台网赢天下出现逾期提现问题，10月，东方创投、天 力贷先后逾期提现。2014年11月贷帮网拒绝兜底一千多万逾期借款，让 P2P平台的风险控制问题浮出水面。
Lending Club: A New Asset Class
陆金所
中国P2P贷款产业链及流程
国家监 管机构 小贷公司
资金 管存
监管机构 行业自律组织
提供资源
筹资者
提供资源
3、满额放贷
1、提出申请
提 供
P2P平台 线上线下综合平台
纯线上平台
开 发
担
需
保
求
资金管 存
2、甄选投资
4、到期收益 投资者
典型模式
• 网贷公司提供平台，借贷双方自由竞价 • 出借者获取利息收益，借入者到期偿还本金，网贷公司收取中介服务费
housing_loans
Housing LoansYOUR LOANSHousing LoansA consumer education programme by:1Introduction 2Buying a house What can I afford 3Savings EPF savings Choosing yourfinancial institution 4Loan applications: Documents required 6Fees and charges 7Assessing your loan repayment capacity 8Margin of financing Loan tenure Loan featuresCommon housing loan packages offeredby financial institutionsc o n t e n t sDisclaimerThis document is intended for your general information only. It does not contain exhaustive advice orinformation relating to the subject matter nor should it be used as a substitute for legal advice.Date: 21 January 20039Daily rests vs monthly rests Graduated payment scheme 10Prepayment flexibility 11Partial prepayment of the outstanding loanEarly termination penalty Documentation 12Valuation report Insurance14Loan disbursementRights and duties of the borrower and financial institution16Frequently asked questions 21GlossaryIntroductionBuying a house is an exciting event.It will probably be the biggest purchase you will ever make in your life.Understanding the steps involved in securing a housing loan will help you save time and avoid uncertainty and anxiety.This booklet gives you an insight into the various issues on financing a house and outlines the major steps in the overall process of financing a house.It guides you through the basics,explains the technical terms and gives you invaluable tips on financing a house.Buying well means lots of planning,research andpatienceWHAT CAN I AFFORDBefore you commit to purchase a property,you should first work out a budget to help you determine how much you can afford and the ceiling price on any property you may wish to buy. As a guide, your monthly commitments on paying instalments for your house, car and other payments should not exceed 1/3 of your gross monthly household income.Your source of funding can be all or any combination of the following: BUYING A HOUSE Buying a house is a major step, so itdeserves careful thought and planning. If you are buying a property under construction, you should check thebackground of the developer. You should ensure that the developer:You have the right to enquire from the developer, information on licence and permit. You can also refer to the Ministry of Housing and Local Government for further clarification. A developer with a good track record reduces the risk of the project being abandoned.2•Has a valid licence issued by the Ministry of Housing and Local Government which is still in force (not expired)•Has a valid advertising and selling permitissued by respective local authority which is still in forcei. Savingsii. Withdrawal from Employee Provident Fund (EPF) account iii.Loan facility from a financial institutionSAVINGSYou should have sufficient personal savingsto pay for the downpayment and otherrelated costs associated with buying ahouse. A good estimate would be about10%-20% of the purchase price as down-payment and another 3%-5% for relatedcosts, such as legal fees and stamp duties.EPF SAVINGSYou could also withdraw from your Account2 to make the initial downpayment. Pleasecontact your nearest EPF office to inquireabout your withdrawal eligibility.CHOOSING YOUR FINANCIALINSTITUTIONYou should shop around before you decideon any financial institution. Rememberthat when you take up a housing loan,you will be dealing with the financialinstitution on a regular basis for a periodof time. Therefore, you should also3consider factors other than just lower interest rates. Below are some of the factors you should consider:An innovative financial institution may offer a more suitable loan package that suits your needs and their application process may be faster and hassle-free.It usually takes about one to two weeksfor your loan application to be approved from the time you submit all relevant documentation.•How professional is the financial institution in dealing with customers?•Does it offer quality service in terms of efficiency and reliability?•What are the available loan packages and which package suits you best?•What are the charges involved?For example,legal fees, related government fees and charges, disbursement fees and others. You should also be informed when and how often these charges are to be paidLOAN APPLICATIONS: DOCUMENTS REQUIREDYou need to provide the following basic documents before the financial institution can process your loan application: •A photocopy of identity card or passport •Your latest 3 months’ salary slip•Your latest income tax return form (form J)or EA form•Sale and Purchase Agreement/deposit orbooking receipt/letter of offer from the housing developer•A photocopy of the land title (if any) •The latest bank statements (compulsory in the absence of salary slips and/or Form J/EA Form) dating back six months/savings passbook/fixed deposits•Valuation report for completed houses and/or4Some financial institutions mayrequireadditionalsupporting documentsHowever, some financial institutions may require additional supporting documents. Upon acceptance of the letter of offer, you will need to appoint a lawyer to draw up the loan documentation for you. Normally,you would select your lawyer from a list of panel lawyers provided by your financial institution. Some of these documents need to be submitted to the relevant government authorities for registration and to the Stamp Office for stamping.Upon completion of the above, these registered documents are then submitted to the financial institution and you will be given a copy of the Loan Agreement. In general, the timeframe for thecompletion of this legal process should not exceed 6 months.•If you are self-employed, you need toprovide your business registration documents,latest 3 months bank statements, latest financial statements and other supporting documents to support your income 56FEES AND CHARGESThere are also related costs such as professional fees and government charges that you would have to pay. Below are some of the common fees and charges you would expect to incur:Please note that the type of charges and the amount charged might change in the future. You should meet with your financial institution’s loan officer for further advice and discussion regarding any questions that you may have concerning the type of fees and legal services.TypeStamp Duties•Sale & Purchase Agreement•Loan Agreement•Transfer of Title(for completed properties only)Disbursement FeesInclude fees for registration of charge, land search and bankruptcy searchProcessing FeesOne time fee charged by the financial institution for loan processingRate1.0% for the 1st RM100,0000.5% for the next RM4,900,0000.5% of the loan amount or RM5 per RM1,0001% for the first RM100,0002% for the next RM400,000These fees vary by state, land office and type of property. For instance, in Selangor and Wilayah Persekutuan, the fees could range from RM300 to RM700.Rate (RM) Range (RM)50 up to 30,000100 30,001 – 100,000200100,000 aboveASSESING YOUR LOAN REPAYMENT CAPACITYA common criterion is that your monthly loan instalment repayment should not be more than 1/3 of your gross monthlyhousehold income. If you have savings or fixed deposits, they can be used to support your loan application as financialinstitutions may take them into account in evaluating your eligibility. Differentfinancial institutions have different criteria in calculating the repayment capacity. In the case of a floating rate loan, you should also note that your monthly repayment may increase substantially when interest rates go up.For example, when there is an increase in the Base Lending Rate (BLR), the interest rate on your loan will also go up, and your repayment would be higher. However, in most cases, financial institutions would allow you to pay the fixed amount of monthly repayment throughout the loan tenure and would make any adjustmentDifferent financialinstitutions havedifferent criteriain calculating the repaymentcapacity7LOAN FEATURESEach financial institution packages its housing loans differently. You shouldexamine all the features of a loan package and not just base your decision on any single feature. Pricing is just oneconsideration; other features like flexible repayment terms could balance the scale or even translate into greater loan savings.Financial institutions generally offerhousing loan packages either in the form of a term loan, overdraft, or a combination of a term loan and overdraft.COMMON HOUSING LOAN PACKAGES OFFERED BY FINANCIAL INSTITUTIONS•Term Loan–A facility with regular predeterminedmonthly instalments. Instalment is fixed for period of time, say 30 years–Instalment payment consists of the loanamount plus the interestcaused by the variation in interest rateby increasing or shortening the loan tenure.You should check this out with your financial institution.MARGIN OF FINANCINGThe amount of financing provided by afinancial institution depends on the market value (for completed properties only) or purchase price of the house, whichever is lower. The margin of financing could go as high as 95% of the value of the house. It is assessed on factors such as:LOAN TENUREThe length of a loan can range anytime up to 30 years or until the borrower reaches age 65 (or any other age asdetermined by the financial institution),whichever is earlier.•Type of property •Location of property •Age of the borrower •Income of the borrower•Overdraft facility–A facility with credit line granted basedon predetermined limit–No fixed monthly instalments as theinterest is calculated based on dailyoutstanding balance–Allows flexibility to repay the loananytime and freedom to re-use themoney–Interest charged is generally higher thanthe term loan•Term loan and overdraft combined–A facility that combines Term Loan andOverdraft. For example, 70% as termloan and 30% as Overdraft–Regular loan instalment on the term loan portion is required–Flexibility on the repayment ofoverdraft portion DAILY RESTS VS MONTHLY RESTS Financial institutions may charge you interest either on daily rests or monthly rests depending upon the products offered. In the case of daily rests, the loan interest is calculated on a daily basis, while in the case of monthly rests, interest is calculated once a month based on the previous month’s balance. Under both types of loan, the principal sum immediately reduces every time a loan instalment is made.GRADUATED PAYMENT SCHEMEA graduated payment scheme allows lower instalment payments at the beginning of the loan but this will gradually increase over time. This type of payment schemewill help house buyers to reduce burden of loan repayment for the first few years and allow them to allocate more money for other purposes. Over time, as earnings of house buyers increase, their repayment capabilities will also increase thus allowing higher repayment instalments at a later stage.A graduated payment scheme is alsosuitable for a house buyer who wishes to purchase a more expensive house but is restricted by his/her repayment capability during the initial years.PREPAYMENT FLEXIBILITYDifferent financial institutions may have different terms and conditions imposed on prepayments. Check the loan package to see if it allows you the flexibility to make prepayments or extra payments.Flexibility to make prepayments and paying interest on a daily rest basis, may help save considerable interest charges. It is also possible to start repayment of the loan during the construction of the house, thus saving more interest charges. What is important is to make promptmonthly repayments.A Loan Agreement is a contract signed between thebuyer and the financial institutionbasis. An early termination of the loan would therefore disrupt the financial institution’s cash flow planning. As such,some financial institutions do not charge a penalty if sufficient notice is given (as stated in the terms and conditions of the loan) or if the settlement is made after the required minimum period to maintain the loan with the financial institution has passed.DOCUMENTATIONThe primary documentation involved in applying for a housing loan is the loan agreement.A Loan Agreement is a contract signed between the buyer and the financial institution. A Loan Agreement contains major provisions such as the terms of the loan, principal sum of the loan, interest rates, default interest rate, penalty charges and repayment terms. It also sets out the duties of borrower and the lender and in the event of default, the rights and remedies of each party.PARTIAL PREPAYMENT OF THE OUTSTANDING LOANMany borrowers find it useful to shorten the loan tenure by making partial prepayments with surplus savings orannual bonus. Partial prepayments can be in any amount. However, some financial institutions may impose restrictions on the amount to be pre-paid while others may impose a penalty. It is extremely effective in reducing the interest charges you would have to pay if prepayments are made during the early years.EARLY TERMINATION PENALTYFinancial institutions may impose a penalty on full repayment of loan. Generally, the penalty imposed can either be a flat rate or an 'x' number of months' of interest (e.g. 1 month’s interest). This is because when a loan is granted for a certain term,the financial institution would expect the loan to be repaid over the period agreed and has planned their cash flow on thisINSURANCEIt is extremely important to take insurance coverage when you purchase a house. The most important factor is that it gives you and your loved ones peace of mind, in the form of financial security if an unfortunate event should occur.There are two important insurances to consider:The other common legal documents that you may need to sign are Deed of Assignments, Charge documents and Power of Attorney.Remember that throughout the tenure of the loan, your property is charged to the financial institution (ie. the financial institution has a claim over your property).Whether you are buying a completedproperty or a property under construction,you should obtain an explanation from the attending lawyer on the major clauses of the agreement and the implications of each clause.VALUATION REPORTThis documentation may be required if you purchase a fully completed property from a houseowner. The financial institution will appoint a property valuer from its panel of valuers to appraise the property. Thevaluation fee for this service starts from a few hundred ringgit upwards, depending on the value of the property and you will be charged for this service.• The House Owner/Fire Insurance policyThis policy provides coverage for your property against natural disasters such as flood, fire, riot, strike and maliciousdamage. For properties with strata titles such as apartments or condominiums, you need not buy the insurance because the Management Corporation (MC) would have taken up insurance on the entire building. You should ensure that you obtain the sub-certificate of the Master Policy issued by the insurance company from the MC and present it to thefinancial institution. This is necessary so that the financial institution is awareIt is extremelyimportant to think ofinsurance coveragethat the property has been insured and will not buy another fire insurance on your property. In such a case, you will be required to assign your rights under the policy to the financial institution.•The Mortgage Life Assurance or MRTA This type of policy provides for full settlement of the outstanding balanceof the housing loan with the financial institution, in the event of total permanent disability or death of the borrower. Premiums can usually be included in the loan amount, and the repayment period of the premium is usually spread over the loan tenure. The premium is only incurred once. There are no monthly or yearly premiums to be paid. In the event of early termination of housing loan, you will generally have the option to request for a refund of the premium for the balance of the unexpired period or to continue theinsurance coverage.Financial institutions have their own panel of insurers and most of them can arrange insurance on your behalf with the annual premium charged to your loan account. LOAN DISBURSEMENTThe financial institution disburses (pays out) the loan once it has received advice from its lawyer that the legal process has been completed and the loan documents are in order. At this time you will be informed of the date and amount of the first instalment you have to make. RIGHTS AND DUTIES OF THE BORROWER AND FINANCIAL INSTITUTIONBoth borrower and financial institution have certain rights and duties during the course of the loan. Some of the more important ones include:RIGHTS•Borrower– Right to have access to all informationthat would affect your borrowingdecision– Right to be treated professionally,courteously and without prejudice– Right to be consulted on changes to theterms and conditions of your loan– Right to have accurate information on a regular basis on your loan account– Right to enforce legal action in the event of a breach of contract•Financial Institution– Right to have full relevant disclosureof information on borrower’s creditstanding– Right to correct and truthful information on the borrower– Right to timely repayment of interest/ instalments of the loan– Right to enforce legal action in the event of default/breach of contract DUTIES• Borrower– Duty to read and understand all terms and conditions of the loan– Duty to observe the terms andconditions of the loan at all times– Duty to enquire and get clarificationon all aspects of the loan to theirsatisfaction– Duty to make prompt payment on the fees, charges, interest and instalmentof the loanA Loan Officer can provide invaluable assistance, and clarify issues which you are unsure. Take the time to discuss your housing loan questions with a loan officer at length so that you can choose a loan facility that best suits your needs.•Financial Institution– Duty to discharge borrowers’ obligationsas described in the loan agreement– Duty to consult borrowers on any changes made to the terms and condition, feescharged and other relevant information– Duty to attend to all queries made byborrowerGLOSSARYAcceptance LetterA letter from the applicant indicating his willingness to accept the loan after the loanis approved by the banking institution.Application FormA form used to apply for loan.Appraisal/valuation reportA written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser.Base Lending Rate (BLR)A minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs.Commitment FeeA fee charged by the financial institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.DefaultFailure to pay the monthly instalment/interest payments to financial institutions when due.Disbursement FeesVarious type of fees such as registration of charge fee, land search fee, bankruptcy search fee incurred by financial institutions and solicitors attending to the loan documentation in relation to the loan which are payable by the borrower.DocumentationA set of agreements, forms, and other documents to be signed in connection with a loan. The documentation will form a full set of records for the loan.DownpaymentAn initial payment made by the buyer to the seller of the house.Financial InstitutionsAll commercial banks and finance companies licensed under BAFIA 1989 and Islamic banks licensed under the Islamic Banking Act 1983.21Flat RateA term used to describe interest that is charged as a fixed percentage of the loan amount throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM10,000 loan at a flat rate of 10% per annum is RM1,000 annually until the loan is fully settled.Floating Rate LoanA term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.ForeclosureLegal action available to the financial institution for recovering outstanding sums owed by a borrower who has defaulted on his/her loan. The property pledged by the borrower to secure the loan is sold and the proceeds of the sale used to settle the outstanding loan amount.Graduated PaymentA scheme that allows the borrower theflexibility to pay a lower instalment sum at thebeginning of the loan tenure before progressingonto a higher instalment sum as the borrower’spurchasing power improves.Gross Monthly Household IncomeThe sum of gross monthly pay of all workingfamily members before deducting income tax,Sosco, EPF, loan instalment or other deductionsplus any additional income from overtime,commissions and other sources.GuarantorPerson or entity who is legally bound to pay adebt incurred by the borrower if that borrowerfails to pay.Homeowners InsuranceAn insurance policy that combines liabilitycoverage for a homeowner together withprotection from damages caused by wind,fire, vandalism and other risks.22Interest RateThe amount charged by the lender to the borrower for borrowing a sum of money expressed as percentage of sum borrowed.Late ChargeA penalty charged by financial institution for not paying instalment due on time.Letter of AdministrationA Grant of representation issued by the High Court to a person to allow him to administer the estate of the deceased who died without a will.Loan TenureNumber of years taken to fully repay the loan principal and interest as agreed under a specific repayment programme.Margin of FinancingThe loan amount granted by the financial institution, expressed as a percentage of the value of property pledged to secure the loan.Mortgage Reducing Term Assurance (MRTA)A term insurance which reduces over thetenure of the loan. This form of insurance is used to provide cover for the outstandingloan amount, in the event of death or total permanent disability of the insured. MRTA is normally calculated to meet the outstanding loan amount.Outstanding LoanRemaining loan not yet paid, including interest and other charges.OverdraftA type of credit facility granted to the eligible current account holder. The borrower is allowed to issue cheques exceeding the credit balancein the current account but subject to a certain pre-approved limit granted by the financial institution.Power of AttorneyA formal legal document giving authority to one person to act on behalf of another person.23PrepaymentPayment of all or part of a loan before maturity.Prepayment PenaltyA fee charged by financial institutions forearly payment of loan in full. The fee chargedis usually based on a percentage of the loan amount or “X” months of interest.PrincipalThe amount borrowed from financial institutions, excluding interest and other charges.PropertyRefers to landed properties (like house, apartment, condominium) and land (like bungalow lots).RefinancingThe process of paying off a portion or theentire amount of the existing loan with the intention of obtaining another loan from the same or another financial institution.Sale and Purchase AgreementA written contract signed between the buyerand seller stating amongst others, the terms andconditions under which a property will be sold.SecurityReal or personal property that guarantees therepayment of a loan. The borrower risks losingthe property if the loan is not repaid.Term LoanA loan which is repaid through regular periodicpayments, usually over a period of time, forexample 10 years.TitleA legal document establishing the right ofownership on a property.24Design Copyright © 2003 by Freeform Design Sdn Bhd. All rights reserved.FOR MORE INFORMATIONLOG ON TO.myOR VISIT OUR KIOSK AT MOST BANKSFirst Edition。
第六章 商业银行贷款业务操作实务 《商业银行经营管理学》PPT课件
消费贷款是银行以个 点击添加文本人或者家庭为对象发 点击添加文本
放的，用点击于添加购文本买与消 费有关的物品的贷款。
添加文本
6.2.2 消费贷款
1)消费点击贷添加款文本的分 类
按消费贷款
的按对贷象款分的类用，
消途费分贷类款，分消
为费直贷接款贷分款为
点击添加文本
与汽住按间车 房贷接贷贷款点贷击款款偿添款加、、还文。本 医方疗 式贷分款类、，
(2)银行对借款人资信状况进行调查，确 定借款人的第一还款能力。
添加文本
6.1.4 质押贷款
1)抵押贷款与质押贷款的区别
(1)担保的标的物不同 点击添加文本
(2)对标的物占管不同 点击添加文本
(3)合同生效不同
(4)银行实现债权的程序不同
点击添加文本
添加文本
6.1.4 质押贷款
2)动产质押贷款
动产质押贷款是借款人或第三人将其动 产移交点击银添加行文本占管，用该动产作为担点击保添加的文本 贷款。所谓动产，是点击除添加土文本地、房屋和地 上定着物等不动产以外的可以移动之物， 并且移动之后，不降低其价值，不影响 其使用价值的财产。
添加文本
6.3.1 贸易融资业务
6)国际保理业务
国际保理业务是一项集贸易融资、结算、 代办会点击计添加处文本理、资信调查、账务管点击理添加和文本 风险担保等于一体的点击综添加合文本性金融服务业 务。它可以分为出口保理业务和进口保 理业务。
(2)国际保理业务的益处
• 国际保理业务对于进、出口商双方的
期。
添加文本
6.2.1 票据贴现
2)票据点击贴添加现文本的操 作
贴自(请1现贴)与贴期现审现限日查的是开。申 点击添加文本 期始到(2期限，期)确间与到日定点。金击票止贴添按额加据的现文。本
chapter3-retailbank-loan
• 贷款基准利率 benchmark interest rate for loan （金融市场上具有普遍参照作用的利率，其 他利率水平或金融资产价格均可根据这一 基准利率水平来确定）
2011-07-07五年以上贷款年利率-7.05 (%)
Note
• Guarantor 保证人 • Guarantee 被保证人 ➢ A contract under which a third party is
tuition?
Tutor 助教
Note
• Miscellaneous 不同种类的;混杂的 • Miscellaneous fees 学杂费
• Guardianship 守护,监护人的职责
If the guardian has done his duty of guardianship, his civil liability may be appropriately reduced. 监护人尽了监护责任的，可以适当减轻他的民事 责任。
单词后缀-ship
➢1. 表示“状态”(如:friendship、membership) ➢2. 表示“身份”,“职业”(如:professorship、
ownership) ➢3. 表示“技巧”,“能力”（如:statesmanship） ➢4. 表示“...的群体”(如:readership) ➢5. 接在形容词之后,表情况(如:hardship)
➢ Floor rate 利率下限
Note
• Refurbishing 1. 刷新;擦亮;使清洁；整修 2. 再装修；清理装修
• House refurbishing 房屋装修
Note
• Working capital 营运资金；周转资金 ➢ We have some commercial loans