creditphilosophytab03insertpdtcharact英

《creditphilosophytab03insertpdtcharact英》由会员上传分享，免费在线阅读，更多相关内容在应用文档-天天文库。

1、TRADITIONAL传统产品EMBANKINGPRODUCTS银行产品GCBCARDBUSINESS信用卡业务GCB–CARDExampleofProduct产品举例·TermLoan固定期限贷款·DemandLoan非固定期限贷款·ACA·Bills·Mortgage按揭·PersonalLoan个人贷款·Overdraft透支·Visa,MasterCard·Diners大莱卡·PrivateLabel个人标记·Co-brand联名标记Security担保·Secured全额担保·PartiallySecured部分担保·Clean无担保·Secu

2、red全额担保·PartiallySecured部分担保·Clean无担保·Clean无担保TargetMarket目标市场·Corporation公司·SmallBusinesses小业主·Individuals个人·Individuals个人·CompaniesforCorporateCard公司卡公司客户ProductDifferentiation产品差异·Wide宽广·Narrow狭窄·Almostnoneinsomemarkets在部分市场中几乎没有PurposeOfLoan贷款目的·Usuallyknown,exceptforworkingc

3、apital除流动资金贷款外，通常情况下基本知晓·Usuallyknown,exceptforoverdrafts(orsometimesPL)除透支外，通常情况下基本知晓·Fordailyuse(occasionallyforcashflowpurpose)onpurchases,travelorentertainment为日常消费、旅游、娱乐（有时为保持一定现金流目的）CustomerPerceptionOf·Financing/Loan融资/贷款·Financing/Loan融资/贷款·PaymentInstrumentinlieu10Produc

4、tCharacteristicsComparisonAsiaPacificRiskManagementLoan客户对贷款的理解ofcash代替现金作为支付工具LoanNo/Size贷款规模·Fewinnumber贷款次数少·Largeinamount贷款金额大·Manyinnumber贷款次数多·Smalltomedium贷款金额小－中等·Manyinnumber贷款次数多·Smallinamount贷款金额小TRADITIONAL传统产品EMBANKINGPRODUCTS银行产品GCBCARDBUSINESS信用卡业务GCB–CARDTenor期限·F

5、ixed固定·Revolving(ondemand)循环（如需要）·Fixed固定·Revolving(ondemand)循环（如需要）·Fixed(basicallyT&Ecard)固定·Revolving(bankcard)循环（银行卡）Term周期·Fixed固定·Annualreview(demand)每年重审（如需要）·Fixed固定·Annualreview(demand)每年重审（如需要）·Evergreen永恒LoanStructure贷款结构·Tailor-made弹性差异·Standardforsomeproducts部分产品具有标准

6、化·Mostlystandard(productprogram)大部分标准化（产品程序）·Occasionallytailor-made有时具有弹性·Standard(productprogram)标准化产品（产品程序）Interest利率·Mostlyfloating大多浮动·Floating浮动·Fixed固定·Fixedbutadjustable固定但可调节(applicabletorevolvers根据循环情况)10ProductCharacteristicsComparisonAsiaPacificRiskManagementMajorFeeI

7、ncome主要收入来源·Loanfee贷款利息·Commitment承诺费·Penaltyfee罚金·Loanfee贷款利息·Commitment承诺费·Penaltyfee罚金·Entrancefee开卡费·Annualfee年费CreditInitiation信贷启用·Specialdocumentation特殊文本·Non-standardRAAC非标准化RAAC·Standarddocumentation标准文本·StandardRAAC标准化RAAC·Standarddocumentation标准文本·StandardRAAC标准化RAAC10

8、ProductCharacteristicsComparisonAsiaPaci