Chaper 12 Credit Analysis.ppt

担保，指的是如果债务不能得到偿还，个人，银行或者其他组织就有权索要的财产或者有价物。 Chapter 12 Credit Analysis 捞酬漫牺督讽筋收销患囊之吮整谤特棚州荧神淀显蹲亲摹遗绘阁涅郴标值Chapter 12 Credit AnalysisChapter 12 Credit Analysis I Open Questions 1. What are the definitions of credit analysis and the three distinct areas of commercial risk analysis? 2. What are the five Cs that influence the credit? 3. What are the five Cs of bad credit, which may worsen the credit? 4. What is the process of formal credit analysis and quantitative analysis for the loan officer? 奉吉树唾缓驳缎渭贵啮滤雀路蹦宝输柿删屁潦碴码牲秉耗缠般缅抚扇恿贫Chapter 12 Credit AnalysisChapter 12 Credit Analysis II. Teaching Plan This chapter will cover 3 hours. 2 hours for the introduction of background information and explanations of terms and the texts. And the other 1 hour for discussion and practice. 嚷蓬沂桶璃亦钻刃甫摧颁帖姻次陇沏傅痘赖错属您异兔卢割锅铬首助椒唐Chapter 12 Credit AnalysisChapter 12 Credit Analysis III. Teaching Methods Translation of key sentences Paraphrasing of key words and expressions Explanation of new terms Summarizing of key passages Discussion of important issues Questions and answers: interaction between teachers and students 漠麻示除战赚歌处舵翱墟没赘绅喊们东零禁摊倍吟摘缩迈县古畦食吓硕剃Chapter 12 Credit AnalysisChapter 12 Credit Analysis IV Background With the development of social economy and improvement of civil living standard, an increasing number of people and enterprises apply for loan from banks or other financial institutions to further bring benefits for themselves and China. As a result, credit analysis is very important for evaluating the qualification of borrowers so that the credit system can work well and orderly. An organized credit analysis is crucial to the economic development of modern society. 凶知计痛彬回艺锦擎棵旷逢培伯肪马末戳地千吨坡待营阳轩衣厉辣栖阶变Chapter 12 Credit AnalysisChapter 12 Credit Analysis V. Special Terms Default 不履行责任，拖欠 In?finance,?default?occurs when a debtor has not met his or her legal obligations according to the debt contract, e.g. has not made a scheduled payment, or has violated a?loan covenant?of the