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留学生论文网:some theoretical and technical resources

 Literature review

This chapter is written to provide some theoretical and technical resources for commercial banks in the lending process management. After the definitions of general types of loans offered by the bank, relevant framework about the loan facility and corporate credit landing procedures will be introduced and analyzed according to the 留学生论文网research case. Observing the quantitative methodologies that bank in advanced economies use for certain aspects of credit risk management can be a helpful guideline for Metrobank to develop its own corporate lending management process in a developing economy. The framework and models mentioned in this chapter are all successful in certain circumstance. However, their own characters and functions still needed to be further discussed and to see if they can be adapted for Metrobank’s case in its current condition. Following with the information identification, the main indicators for risks analysis will be further discussed. Those indicators will represent in Chapter 4 in actual case from the bank. Finally, the identification of Credit risks and Credit risk management will be illustrated as guideline for Metrobank Shanghai branch to evaluate their own internal procedures.

2.1 Introduction of Loan Structuring and types
2.1.1 Loan Tenor and Facilities
With the exception of mortgage lending[James Weaver, Credit Analysis and Commercial Lending, 1st Edi, (2007), International Finance Corporation Private Enterprise Partnership for China, pp.35-37
], most loan facilities to companies have tenors between a few months and five years. The fundamental tenor structure for corporate lending is divided into two categories:
Short-term facility: final repayment is scheduled within one year of the first day the facility loan agreement is in force
Long-term facility: final repayment is scheduled one year or more after the first day the facility loan agreement is in force.
There are many types of commercial loan facilities, as well as variations on each basic type. Each type of loan structure is designed to fit specific categories of customer needs while providing lender a degree of risk protection and control consistence with the credit worthiness of the borrower. The following outline describes the most common types of commercial loan facilities, and how the loan structures derive from borrowing need and credit risk management factors. In this diagram, the This chapter is written to provide some theoretical and technical resources for commercial banks in the lending process management. After the definitions of general types of loans offered by the bank, relevant framework about the loan facility and corporate credit landing procedures will be introduced and analyzed according to the research case. Observing the quantitative methodologies that bank in advanced economies use for certain aspects of credit risk management can be a helpful guideline for Metrobank to develop its own corporate lending management process in a developing economy. The framework and models mentioned in this chapter are all successful in certain circumstance. However, their own characters and functions still needed to be further discussed and to see if they can be adapted for Metrobank’s case in its current condition. Following with the information identification, the main indicators for risks analysis will be further discussed. Those indicators will represent in Chapter 4 in actual case from the bank. Finally, the identification of Credit risks and Credit risk management will be illustrated as guideline for Metrobank Shanghai branch to evaluate their own internal procedures. Borrowing source, Repayment source and Borrowing requirement pattern can be regarded as the main factors to define a loan character. Meanwhile, the Borrower credit worthiness will be further analyzed in the process of credit risk accessing.



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