If a positive conclusion Lawyers documents checked security service bank. Based on an analysis of existing and received information, security Bank gives its opinion on the risk of the loan. Full package of documents submitted to the bank management decision final decision and signing the loan agreement or refusal client. At the fourth stage the bank after work on structuring loans to begin negotiations with the client on the contract. Official who negotiates with the client regarding the loan shall bring him the required conditions for future credit agreement with execution of loan can not be granted and the conditions for which be a compromise. After all the issues and coordination of all parameters of future credit agreement made appropriate conclusions regarding the loan. After positive decision of this body is signing the loan agreement from the management of the banking institution and the client.
existing and received information, security
importance of this stage
Department acts as the seller and expert in the provision of loans. In the second stage, the main objective of the bank - the final determination creditworthiness and financial condition of the client to conclude credit transaction on the most favorable terms for the bank. Given the great importance of this stage, many banking institutions create a special unit called the department or sector economic analysis. In the third stage, the bank conducts training for taking credit agreement. The third stage is possible only if the positive end of the second phase, that is credit scoring and risk. The third stage is called "structuring loans." In the process of structuring Bank defines the parameters of the loan: loan type, amount, term, security procedure for issuance and redemption price loans and more. Then the bank transaction is regarded lawyers who pay special attention to meet existing contracts and agreements and the effective legislation opportunity to successfully address the issue refund if default by the borrower loan agreement.
The first stage consists of gathering information about the demand for credit
TRIPS: a) a portfolio of credit applications; b) negotiating with a potential client; c) deciding whether to extend credit and its form; d) processing credit file; d) Work with the client after receiving the loan; e) repayment of interest and closing credit file. The first stage consists of gathering information about the demand for credit, its analysis and pre-selection of applications. It should be observed main Principle: all information about potential borrowers entering the Bank shall in writing fiksuvatycya loan officers. Also included in the application package documents required under requirements of the bank. When a bank to a large number of applications, such information a prerequisite for the pre-selection of the most attractive offers, and also enables to fill the information portfolio credit requests for follow-up. Employee loan
Organization of bank lending relationships credit policy
Organization of bank lending relationships with customers is determined by many factors, including the strategy and tactics of the bank, banking qualification employees, authorized and equity credit policy Bank, etc. [27]. In turn, the process of bank lending is a set of specific actions the bank related to the provision and repayment. This process consists of certain stages, each of which separately provides a solution of local problems and together achieved the main goal lending operations - their reliability and profitability for the bank. The main work of the organization of the bank loan process can be made as the following steps:
depending on the needs and opportunities
Bank credit may be direct or through an intermediary. Direct (Bank - borrower) credit relationships are more prevalent. Much narrower apply loan through an intermediary. Commercial bank, depending on the needs and opportunities of the borrower, and well as the interests of the Bank may provide loans for different conditions. Therefore, in practice, there exists a division for banking loans of various criteria of signs and to facilitate the monitoring and management of credit portfolio of the bank (Appendix A) [20]. The above classification is not exhaustive, so that you can credit classified and other parameters and features, but in fact this classification due to a large number of species criteria, and guaranteeing and provides evidence that a loan - it is difficult economic category, which should be treated very carefully. Therefore, banks work with their borrowers in the dense interaction of the application the loan until repayment of the loan and interest thereon. Banks cooperate only with financial stable companies that have continuous flow of funds to the account or with the businesses and organizations at this time, overcoming difficulties with future prospects of its development.
The principle of targeting of investment
The principle of targeting of investment lending involves lending funds to specific household processes, clearly defined goals, operations, technical and economic expertise which indicates their adequate yield, taking into account economic conditions and the risks specific sectors of the economy, market trends [47]. Commercial banks can lend business entities activities regardless of their association with industry, status, forms property in case of presence of these features and forms ensuring timely repayment of the loan and the payment of all percent for areas. Banks may provide loans in national and foreign currency. Loans are granted on the basis of the conclusion of the credit agreement with each borrower individually, so that the risk of credit Agreement was minimal. If credit is granted on favorable terms, compensation for loss of commercial banks at the expense of government institutions at the expense of the corresponding budget.
Principle zabezpechenosti loan means
Credit - a loan Capital Bank in monetary form, which is transmitted in temporary use under zabezpechenosti, return, strokovosti, platnosti tsilovoho and pattern of use. The aim ENTREPRENEURSHIP banking is a benefit due vmiloho, rational and safe investment banking capital. Principle zabezpechenosti loan means the presence of bank law to protect their own interests, to prevent from possible losses non-repayment of debt by the borrower due to its insolvency. The principle of temporary use, return and strokovosti implies that the loan has to be returned to the bank by the borrower no later than specified in the provision of the loan period. Principle platnosti the loan provides the right bank make payment in the form of interest on the loan, which is the main source of
Подписаться на: