財務管理：現(xiàn)代查帳手冊(存儲版)
【正文】 uency Rate 住房貸款不良率 Unemployment rate 失業(yè)率 Residential Price Index (1989=100) (RHS) 住房價格指數(shù) （以 1989年為 100） 18 Credit Card Quality 信用卡質(zhì)量 % % % % % % % Dec98 Mar99 Jun99 Sep99 Dec99 Mar00 Jun00 Sep00 Dec00 Mar01 Jun01 Sep01 Dec01 Mar02 1,000 2,000 3,000 4,000 5,000 6,000 7,000 No. of Bankruptcy Petitions 破產(chǎn)申請 Credit card chargeoff ratio (annualised) 年信用卡沖銷率 Unemployment rate 失業(yè)率 Bankruptcy Petitions (RHS) 破產(chǎn)申請 （ RHS) 19 Scoring 評分 ? Rank ordering 分級 ? Application and Behavioral Scores ? 申請信貸和行為評分 ? Generic and Customized Scores ? 通用評分和專用評分 ? Credit card, personal loans, etc 信用卡，個人貸款等 20 CREDIT RISK MONITORING 信貸風險監(jiān)督 ? Management Information 管理信息 (CPAN, IBIS, REMIND, SCOPE, etc) ? Grade classification / migration ? 評級分類 /變動情況 ? Score distribution / flow rate ? 分值分布 /流動率 21 PRICING STRATEGY 定價戰(zhàn)略 1. Interest margin: hurdle rates, . bonds. 利率邊際：障礙率，例如：債券 2. RORA: return on the overall relationship 總體關系的回報 3. EP: cost of capital 經(jīng)濟利潤：資本成本 Factors to consider: 考慮因素 ? PD (Borrower’s grade) 違約機率 ? LGD 損失比率 ? Term 年期 ? Cost of capital 資本成本 ? Competition 競爭 ? Business potential 發(fā)展?jié)摿? 22 DEBT RECOVERY (1) 貸款收回 （ 1） Objective 目標 Risk vs Relationship 風險 或 關系 Strategy 戰(zhàn)略 Rehabilitation OR Exit 貸款康復 或退出 23 DEBT RECOVERY (2) 貸款收回 (2) Workout Factors for success 債務重組 成功的因素 legal system (Scheme of Arrangement, Individual Voluntary Arrangement, Bankruptcy Law)
教學課件相關推薦
鄂ICP備17016276號-1