商业银行管理全套配套课件英文PPT教师手册习题习题答案 Chap016.ppt

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1、ChapterSixteenLendingPoliciesandProcedures:ManagingCreditRiskKeyTopicsTypesofLoansBanksandCompetingLendersMakeFactorsAffectingtheMixofLoansMadeRegulationofLendingCreatingaWrittenLoanPolicyStepsintheLendingProcessLoanReviewandLoanWorkoutsIntroductionHowever,riskyornot,theprincipalreasonm

2、anyfinancialfirmsareissuedchartersofincorporationbystateandnationalgovernmentsistomakeloansLendersareexpectedtosupplycreditforalllegitimatebusinessandconsumerfinancialneedsandtopricethatcreditreasonablyLoanssupportthegrowthofnewbusinessesandjobswithinthelender’smarketareaLoansfrequently

3、conveyinformationtothemarketplaceaboutaborrower’screditqualityThelendingprocessbearscarefulmonitoringatalltimesTypesofLoansRealEstateLoansFinancialInstitutionLoansAgricultureLoansCommercialandIndustrialLoansLoanstoIndividualsMiscellaneousLoansLeaseFinancingReceivablesThelargestcategoryi

4、ndollarvolumeisrealestateloans,followedbyloanstoindividuals,andcommercialandindustrial(C&I)loansTABLE16–1LoansOutstandingforAllFDIC-InsuredBanksasofDecember31,2010(consolidateddomesticandforeignoffices)TypesofLoans(continued)FactorsDeterminingtheGrowthandMixofLoansCharacteristicsofthema

5、rketareaLendersizeWholesalelendersvs.retailcreditExperienceandexpertiseofmanagementLoanpolicyExpectedyieldofeachtypeofloanRegulationGeneralrule:AlendinginstitutionshouldmakethetypesofloansforwhichitisthemostefficientproducerRegulationofLendingThemix,quality,andyieldoftheloanportfolioare

6、heavilyinfluencedbyregulationExamplesoflendingregulations:ThetotalvolumeofrealestateloansgrantedbyaU.S.nationalbankcannotexceedthatbank’scapitalandsurplusor70percentofitstotaltimeandsavingsdeposits,whicheverisgreaterAnunsecuredloantoasinglecustomernormallycannotexceed15percentofasinglen

7、ationalbank’sunimpairedcapitalandsurplusaccount(legallendinglimit)AnyloansmadearesubjecttoexaminationandreviewRegulationofLending(continued)TheCommunityReinvestmentActof1977Selectedlenderstomustmake“anaffirmativeeffort”tomeetthecreditneedsofindividualsandbusinessesintheirtradet