The document was prepared on January 2, 2021
贷款损失控制
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海量免费资料尽在此
贷 款 张国荣经典歌曲歌词损 失 控 制
造成贷款损失的主要原因
1. Inattention to loan policies
2. Overly generous loan terms and lack of clear standards
3. Disregard of bank’s own policies
4. Unsafe concentration of credit
5. Poor control over loan personnel
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6. Loan growth beyond the bank’s ability to control quality
7. Poor systems for detecting loan problems
vinci8. Lack of understanding of borrower’s cash needs
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9. Out-of-market lending
10. Collateral overvalued; improperly margined and failure to get appraisal
11. Dispersal of funds before documentation finished
12. Officer making “good ole boy”loans, bypassing the loan committee, personal friendship of loan officer with borrower
13. Loan to a new business with an inexperienced owner-manager
14. Renewing a loan for increasing amounts, with no additional collateral taken
15. Repeatedly rewriting loan to cover delinquent interest due
16. Not analyzing borrower’s cash flows and repayment capacity
17. Failure of officer to review loan’s status frequently enough
18. Funds not applied as reprented, diverted to borrower’s personal u
19. Funds ud out of bank’s market area; poor communications with borrower
20. Repayment plan not clear or not stated on the face of the note
precipitous21. Failure to receive or infrequent receipt of borrower’s financial statements
22. Failure to realize on collateral becau borrower raid nuisance legal defens
23. Bank’s failure to follow its own written policies and procedures
24. Bank president too dominant in pushing through loan approvals
25. Ignoring overdraft situation as a tip-off to borrower’s major financial problems
26. Failure to inspect borrower’s business premis
27. Lending against fictitious book net worth of business, with no audit or verification of borrower’s financial statements
28. Failure to get or ignoring negative credit bureau reports or other credit references
29. Failure to call loan or to move against collateral quickly when deterioration becomes obviously hopeless
Loan review: a regularly reviewing after the loan have made
1To reduce loan loss and monitor loan quality
2To detect actual or potential problem loans as early as possible遑论是什么意思
3To provide an incentive for loan officers to monitor loans and to report deterioration in their own loans
4To enforce uniform documentation
5To ensure that loan policies, bankinglaws, and regulations are followed
6To inform management and the board about the overall condition of the loan portfolio
fork怎么读 7To aid in establishing loan loss rerve
Loan review procedures
1Financial conditions and repayment ability of the borrower
2Completeness of documentation
3Consistency with the loan policy
4Perfection of the curity interest on collateral
5Legal and regulatory compliance
6Apparent profitability
Correcting problem loans
1Any unexplained change in the borrower’s attitude toward the loan officer
2Unexpected declines in borrower’s deposit balances and the occurrence of overdraft
3Late payment of principal and interest
4Abnormal delays by the borrower in submitting periodic financial statementsmoderate
5Disturbing trends in financial statements
6Management turnover
7Cancellation of insurance
8Security interest filed against the borrower by other creditors
9Notice of lawsuit, tax liens, or other legal action against the borrower
10Deteriorating relations with trade supplies
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11Death or illness of principals
12Marital difficulties of principals
13Loss of key source of revenue
