商业银行管理Bank Managment&Financial Services(7th)第16章课后题答案

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1、CHAPTER 16LENDING POLICIES AND PROCEDURESGoal of This Chapter: The purpose of this chapter is to learn why sound lending policies are important to banks and other lenders and the public they serve and how to spot and deal with problem loans when they appear in an institutions portfolio. .Key Topics

2、in This Chapter Types of Loans Banks Make Factors Affecting the Mix of Loans Made Regulation of Lending Creating a Written Loan Policy Steps in the Lending Process Loan Review and Loan WorkoutsChapter OutlineI.IntroductionII.Types of LoansA. Types of Loans1.Real Estate Loans2.Financial Institutions

3、Loans3.Agricultural Loans4.Commercial and Industrial Loans5.Loans to Individuals6.Miscellaneous Loans7.Lease Finance ReceivablesB.Factors Determining the Growth and Mix of Loans1.Characteristics of the Market Area2.Loan Participations3.Lender Size4.Experience and Expertise of Management5.Institution

4、s Loan Policy6. Expected Yield 7. Functional Cost AnalysisIII.Regulation of LendingA.Relevant Regulations1.The Lending Limit 2.Limitation on Real Estate Lending3. The Community Reinvestment Act4. Equal Credit Opportunity Act5.Truth-in-Lending Act6.International Lending Rules7.Examiner Loan Ratings8.

5、CAMELS RatingB.Establishing A Written Loan PolicyIV.Steps in the Lending ProcessV.Credit Analysis: What Makes a Good Loan?A.Is the Borrower Credit Worthy?1.Character2.Capacity3.Cash4.Collateral5.Conditions6.ControlB.Can the Loan Agreement Be Properly Structured and Documented?C.Can the Lender Perfec

6、t Its Claim Against the Borrowers Earnings and Any Assets That May Be Pledged as Collateral?1.Reasons for Taking Collateral2.Common Types of Loan Collaterala) Accounts Receivableb) Factoringc) Inventoryd) Real Propertye) Personal Propertyf) Personal Guarantees3.Other Safety Devices to Protect a Loan

7、VI.Sources of Information About Loan CustomersA.Credit BureausB.Publications of Financial InformationC.Information on Economic ConditionsVII.Parts of A Typical Loan AgreementA.The NoteB.Loan Commitment AgreementC.CollateralD.Covenants (Affirmative and Negative)E.Borrower Guaranties or WarrantiesF.Ev

8、ents of DefaultVIII.Loan ReviewA.The Purpose of Loan ReviewB.Elements of a Good Loan ReviewIX.Handling Problem Loan SituationsA.Signs of a Developing Problem Loan SituationB.Steps in Maximizing the Recovery of Funds from a Problem Loan (the Loan Workout Problem)X.Summary of the ChapterConcept Checks

9、16-1.In what ways does the lending function affect the economy of its community or region?Bank credit is one of the most important sources of capital that fuels local economic growth and development. When banks make loans to support the development of new businesses and to aid the growth of existing

10、 businesses, new jobs are created and there is a greater flow of income and spending throughout the local economy.16-2.What are the principal types of loans made by banks?Bank loans are usually classified by the purpose of the loans. The most common classifications are real estate loans, commercial

11、and industrial loans, loans to financial institutions, credit-card and other loans to individuals, and agricultural production loans Bank loans may also be classified by maturity - over one year and one year or less.16-3.What factors appear to influence the growth and mix of loans held by a lending