外文翻譯---個(gè)人住房貸款中不良信貸風(fēng)險(xiǎn)管理研究-文庫(kù)吧資料
2025-05-22 11:02本頁(yè)面
【正文】 two parties (the bank and the borrower) or three parties (the bank, the borrower and the guarantor) can reach a consensus. In line with the consensus or the ruling by the court, the debtor or the guarantor can make inkind repayment of debts, which is one of the important means to dispose of nonperforming loans. 9. Writingoff Bad Loans In accordance with relevant state rules and regulation, if the principal of a loan is identified as unrecoverable, the bad loan can be written off. Writingoff of bad loans is the internal activity of a bank. So the bank still enjoys the recourse right and should continue to demand the repayment of the fund. 10. Conclusion Were analyzed by the nonperforming loans management recycling. Bad credit risk management, there are still many problems to be solved, how the lending business in the international financial place needs to be further research and continue to explore. In short, 濟(jì)南大學(xué)畢業(yè)論文 外文資料翻譯 6 the management of nonperforming loans of China39。 default risks, prepayment risks, etc. are also emphasized to evaluate the risk profile of nonperforming loans. 濟(jì)南大學(xué)畢業(yè)論文 外文資料翻譯 5 7. Incourt Bankruptcy / Liquidation Proceedings Resorting to legal procedures to collect the repayment of nonperforming loans is the last defense line. In practice, banks should grasp the timing of litigation. Because blind lawsuits will involve banks39。s expertise is instrumental to increasing collection rates of these nonperforming loans. Investors39。s roles as financial intermediaries, streamline their operations, specialize in a few key areas within the limit of their current managerial and staffing capabilities, write down their assets to more accurate values, and progress toward a more stable and prudently managed system devoid of excess risk. Investment in losing enterprises raises the risk of future liquidity being drained to prop up these enterprises in the hope of eventual profitability, which puts depositors and shareholders at risk. In addition to debtequity swaps, loan sales swaps are an option that could be used to restructure bank balance sheets. However, this option has not been monly found in transition economy due to absence of secondary market development. 6. Securitization of Nonperforming Loan Nonperforming loan securitization is a pooling of nonperforming loans packaged and issued as securities to investors through arrangements of legal structure, cash flow, and credit rating mechanisms. Nonperforming Loans are also known as bad loans, overdue loans, receivables under collection, and loans still under normal payment statuses, but with circulating bonds rated lower than CCC level. During the securitization period, the originator (seller) will select the most ideal portfolio based on a set of eligibility criteria, such as debtors39。 ? Improved internal bank system (early warning systems, collateral requirements, credit information needs). Workout units can make a significant difference in restructuring loan portfolios, particularly when supported by effective technical assistance. 4. Loan Restructuring and Loan Rollover Casebycase loan restructuring is mon in marketoriented economies, particularly 濟(jì)南大學(xué)畢業(yè)論文 外文資料翻譯 3 when borrowers are unable to meet the original terms of the loan agreement due to external factors. These restructuring invariably changes in the amount, terms and /or schedule of interest rates, principal repayment, and collateral values. Loan covenants ( ratios, report requirements) often change to facilitate pliance. In some cases, radical measures such as replacing management are involved. This approach is similar to what workout units attempt to do: recover portions of loan portfolios which have deteriorated and are nonperforming. However, workout units are often organized on the basis of sector, location or bank exposure. Casebycase loan restructuring is conducted on an individualized basis. The benefits of individual casebycase loan restructurings include: ? Reinforcement of the bankclient relationship. ? Retention of the loan by the bank on its balance
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