5'C major credit analysis in the current query from the Post Today many. On the basis of banks in lending to the public that. Banks or financial institutions in the credit analysis, however. What factor The loan approval I often have trouble getting credit. Strict bank lending Since the amount of bad debt is increasing every day. Asked the lawyer relieve the rules on credit analysis presented in the Post Today. With pleasure, relieve lawyer requested full information on the criteria that the Bank will be featured. And determining whether to lend to you or not. Or to release more or less Or conditional release or not is thus called the 5'C include 1. habits of customers. (CHARACTER) 2. Ability to service the debt (CAPACITY) 3. Capital (CAPITAL) 4. Collateral (Collaterals) 5. Situation (CONDITION) 1. Customer habits (CHARACTER) habits of customers The first is an important factor of consideration as male borrowers, however. Are honest only Knowledge and experience to the operations of any size. With a history of bad financial or not. If a former client of the bank, it will be found. Results contact the bank at that. Comply with the conditions or terms with the bank or not. Or may derive from the business, whether or CUSTOMER SUPPLIERS of customers in the market is. Note that if a person is not good. How well the project would have happened had two. The ability to repay debt (CAPACITY) is key in determining loan. Loan officers need to study the customer's business that have the ability to pay back debts to banks only. Most of the revenue that the business should be able to make a profit in order to pay back. If the analysis indicates that the project is not profitable enough to repay the debt. It is not wise to give credit to. Money should be used to pay off debt as net income. From continuing operations after various expenses, and should be recognized as income over the course of a temporary income, such as income from commissions on the issue. Loan officers should be required to follow that are repaid as scheduled or not. This usually happens when the customer is always more revenue, rather than bring the debt. To be used in other ways to increase its lead in working capital to operate, so the timing of repayment. A significant portion of the loans by three. Capital (CAPITAL) typically financial institutions to provide credit to any business that needs to be considered. The borrower has brought private capital to invest in it. Because borrowers put money into private equity is. The risk of the bank is less. Because of that borrowers put money into private equity, it is not necessary. To devote energies to the business end of this proportion can keep up with the amount of debt (D / E RATIO) will be considered. However, it must be based on each type of business that should be D / E RATIO much like businesses with low profits. It should be an investment, such as business APARTNENT rental income, which is not much compared with other investments. Borrowers would have to invest a majority of their own. Look to one side It is the income of the business is the provision of a loan can be a newsworthy. But in business, then the business will be successful. Must have sufficient capital to operate, so when a loan can not be prescribed. Borrowers should raise sufficient capital And banks do not lend to the people who know enough about the business, otherwise it will be detrimental to both sides 4. Collateral (COLLATERALS) in credit analysis. Although the need to analyze the data above. It is essential, then Things to take into consideration is the collateral, because business is good, no matter the environment or may be reasonably unexpected. The business problem To protect against the risk that the bank may have been, it is secured. This should be considered secured much profit. By considering the risk If there is less risk of collateral less. If there is a risk of collateral should as well, although there is often important to ensure that the bank will provide loans of unsecured type (CLEAN BASIS) because of that. Customers with good credit Famous as socially acceptable. Contact the bank for a long time. And sometimes, depending on the type of loan requested that a risky one. May be less vulnerable to such issuance L / G (bid) without a sales decrease for the period. The borrower has delivered already. Or otherwise obtain funds to open L / C ordered. Banks may have some collateral. It will be used as collateral for a further five. Situation (CONDITION) is beyond the control of a variety of factors. Whether the problems caused by the economic conditions both in and outside the country. The issue of government policy Exchange rate changes environment problem Market fluctuations Fluctuations in raw material prices Loan officers should analyze these situations in advance and anticipate situations that occur with time. Education and information to keep track closely. You can lend effectively or quickly resolve issues. Another way to reduce risk. Do not lending to any industries too. Should be distributed in several categories.
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