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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:28483
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。
ChApter # 08: Action plan
8.1) Introduction and General Discussion on Policies
Every Bank does hold basic banking departments ranging from cashier to the Branch Manager to the Area Head and CEO to Board of Directors. This bank also had the same processes as an ordinary bank should have. But we will suggest them to have Credit Risk Department within the domain of Credit Department as it is a new phenomenon in the banking sector nowadays. They should have a Head, subordinate to the Chief Credit Officer and should have the functions such as calculating Risk Adjusted Rate of Return, Full analysis and investigation of the potential borrower's credentials as provided by them. He should direct the team under him to cross check the banks, security agencies, and should visit the area mentioned in application as collateral to ensure actual worth of the underlying asset. It will help them to avoid any chances of the client's default on the loan applied.
The bank should clearly define the goals and objectives of the Credit Department. It is the responsibility of the manager of the credit department to plan and direct the activities of the credit function within the guidelines of Bank Charter. Some of them could be
Department should increase profits through a better understanding and skillful handling of all credit functions.
Match risk and reward through customer and financial analysis.
Compare a customer's financial performance, including current, quick ratios, debt ratios to those of others in the industry.
Coordinate credit activities with all departments.
Train and supervise credit department personnel.
Educate other departments about credit and the credit functions.
Control operating costs and expenses.
Reduce collections and bad debt
8.2) Action Plan to follow on Credit Risk Management
To mitigate the Credit Risk on Agricultural loans to Cooperative Societies' Heads, Bank should follow 5Cs of Credit as Credit Advancing Policy. It is a very unique and old criterion that allows you to get whole picture of the prospective borrower. During assessment they should consider the minute factor that can cause a real threat in future of credit period. We shall explain them one by one to show what should be considered in the following part.
8.2.A)Character
The bank should thoroughly study the characteristics of the person as a financial citizen by checking his past loans and their payment patterns. Another tool could be the tax payment trend of the borrower. Bank should notice total debt borrowed by him in past from any financial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。