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论文作者:www.51lunwen.org论文属性:硕士毕业论文 dissertation登出时间:2015-05-07编辑:felicia点击率:28387
论文字数:10624论文编号:org201505042248369237语种:英语 English地区:澳大利亚价格:免费论文
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摘要:经济的不断发展,推动了投资理财行业的快速腾飞,本文简要阐述了信贷管理的重要性,旨在提供大家对风险投资的正确认知。
6.4) Steps to Better Risk Management
It is an overall strategic process in the organization, by applying this model in the Bank, they can be in a better position to understand risk and can lower its effect. It's a general model to build strategic process to change the risk perceiving mindset and align operations and organization culture in a way to reduce risk or acquiring it and manage, and in result it helps them to retain competitive advantage.
Five steps outlined in the diagram form a dynamic cycle from indentifying your major risks those are natural in nature. This enables you to determine capacity and appetite for risk which in result embed risk in all decisions and help the Bank for batter risk profiling by aligning Governance and organization around risks. Companies with a strong culture of risk - adjusted decision making are better positioned to identify and understand changes in their risk profiles, triggering the cycle again. These steps help organization to identify and manage risk at every level from top to bottom.
Chapter # 07: Best option/recommendations
7.1) Models to address Credit Risk
7.1.A) 5Cs of Credit Financing
This model contains five C's of Business and Commercial Financing. This is a very simple method used by financial institutions, investors and lenders around the world to determine and see the credit worthiness of the potential borrower. This method helps mangers to reduce the potential credit risk.
This model uses five Characteristics to assess the riskiness of the prospective borrower. They are discussed one by one in the coming paragraphs,
Character
Capacity
Capital
Collateral
Conditions
This model measures both the qualitative and quantitative aspects of the potential lender. The “5C's of credit” are a common reference to the major elements of a banker's analysis when considering a request for a loan.
I) Character
Before investment is made, lenders and investors need to be sure that they can believe in the character of the borrower and business. Character refers to moral, social and business reputation of the borrower. Past history must be looked and analyzed. The character of the borrower must be analyzed to see whether he meets and fall in the criteria that the bank has established for the lenders. In addition to character, the borrower's ability to succeed will be closely examined. Business owners with the proper education and relevant work experience are more favorable to be financed.
II) Capacity
Capacity means whether borrower is able to payba本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。