银行管理学全套配套课件 powerpoint ch11.ppt

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1、EVALUATINGCONSUMERLOANSChapter17BankManagement,5thedition.TimothyW.KochandS.ScottMacDonaldCopyright©2003bySouth-Western,adivisionofThomsonLearningRecenttrendsinconsumerlendingCreditscoringmorelendersusestatisticalmodelstopredictwhichindividualsaregoodandbadcreditrisks.Rapidc

2、onsolidationofthecreditcardbusinessatyear-end1997,forexample,the10largestbankcardissuersheldapproximately85%ofallcreditcardloans.Movetosubprimelending,wherebankscourtthebusinessofhigherriskindividuals.itispopularbecausebankscreditscoretheseloansandthusfeelcomfortablepricingth

3、eseloansatmuchhigherratesthanprimeloans.EvaluatingconsumerloansWhenevaluatingconsumerloanrequests,ananalystaddressesthesameissuesdiscussedwithcommercialloans:theuseofloanproceeds,theamountneeded,theprimaryandsecondarysourceofrepayment.However,consumerloansdiffersomuchindesign

4、thatnocomprehensiveanalyticalformatappliestoallloans.InstallmentloansInstallmentloansrequiretheperiodicpaymentofprincipalandinterest.Installmentloansmaybeeitherdirectorindirectloans.Adirectloanisnegotiatedbetweenthebankandtheultimateuserofthefunds.Anindirectloanisfundedbyaban

5、kthroughaseparateretailerthatsellsmerchandisetoacustomer.Costsandreturnsonconsumerinstallmentloans:functionalcostanalysisdataCreditcardsandotherrevolvingcreditCreditcardsandover-linestiedtocheckingaccountsarethetwomostpopularformsofrevolvingcreditagreements.In2001consumersch

6、argedalmost$650billiononcreditcards.MostoperateasfranchisesofMasterCardand/orVisa.bankmustpayaone-timemembershipfeeplusanannualchargedeterminedbythenumberofitscustomersactivelyusingthecards.CreditcardlossrateandpersonalbankruptcyfilingsNetCharge-offRate(%)NumberofBankruptcyFi

7、lings(Thousands)PersonalBankruptcyFilingsCreditCardCharge-OffRates7654321040035030025020015010050198419851986198719881989199019911992199319941995199619971998199920002001Creditcardsareattractivebecausetheyprovidehigherrisk-adjustedreturnsthandoothertypesofloans.Cardissuersearn

8、incomefromthreesources:cardholdersannualfees,interestonoutstandinglo