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Lending money is a core skill within the Financial Services industry and as such it is crucial that the customers have a quality experience that can only be provided by staff with an understanding of the subject. Customers expect lenders to have a full and detailed knowledge of the legal and compliance aspect of their roles; these ......
This book is for students and professionals working, or intending to work, in a lending-related role.The text provides comprehensive, up-to-date coverage of bank lending, its principles and practices. Bank lending performs a key role within global and national economies. Individuals and enterprises look primarily to banks and other financial institutions to finance their personal and business requirements. Good lending practice is therefore a core skill required within the financial services industry. This book will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to be able to fulfil employer as well as customer expectations.Topics include:lending principlesthe legal and regulatory frameworktypes of borrowerpurposes of financingsecuritythe lending cycleIslamic financeimpact of lending and social responsibilityThe book provides students and practitioners of bank lending with an excellent understanding of lending practices as well as the principles that underpin these practices.
This resource is dedicated to all individuals who want to enter into God's financial provision and desire to obtain His favor in their personal life, their business life and in all that they purpose to do. From the foreword by Dr. Jack W. Hayford: "Biblical Principles for Releasing Financial Provision! is a remarkable resource that is all at once a gift, tool, and mantle. You will find that this study will be a true gift for anyone. As a tool, this material will help build and edify disciples of Christ with apostolic doctrine. And as a mantle, as God covenants to bless those who live out the principles of giving revealed in this book. Step forward and receive the gift, tool, and mantle!" Endorsements by Dr. Yonggi Cho, Dr. Rod Parsley, Ted Haggard & Dr. Steven Davis, FBI Chaplain
'?New, expanded edition of a popular title?Now covers new techniques of lending assessmentThe new edition of this popular title has been expanded to twice the length of the previous edition, which reflects the widening of the book?'s scope to cover the impact of new techniques of lending assessment as well as legal issues concerning lending to corporates and private individuals. It features whole new chapters on acquisition finance, franchising, factoring, and control of a lending portfolio. It also offers a perspective on the increased use of technology against traditional lending techniques.
Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. - Emphasizes bank credit risk issues peculiar to emerging economies - Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies - Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies - Provides credit risk impact mitigation strategies in line with the Basel Accords
Sophisticated banking is vital for modern society to function and prosper. Banks lend to individuals and corporations but do so after carefully exploring the risks they undertake to each customer. This book examines the important role of lending in banking operations and how banks can implement safe and effective loan initiatives. Banks rely on lending to generate profits, but it can be a risky venture. It is important for banking professionals to understand how to mitigate those risks. Bank Lending from the Hong Kong Institute of Bankers discusses a variety of topics that impact a bank's loan strategy. This is an essential read for candidates studying for the HKIB Associateship Examination and those who want to acquire expert knowledge of Hong Kong's bank lending system. Topics covered in this book include: Assessing and reducing lending risk Understanding the customer through financial statements Using ratios to determine risk Setting up an internal structure to reduce risk Pricing and managing loans Dah Sing Bank is delighted to sponsor this resourceful book. The Dah Sing Group is a leading financial services group in Hong Kong, active in providing banking, insurance, financial, and other related services in Hong Kong, Macau, and the People's Republic of China. The Dah Sing Group has gained a reputation as one of the most progressive and innovative financial services groups. Keys to its success are the strength of the Dah Sing management team and the group's commitment to serving its customers.
The subject is introduced with a discussion on the importance of sound lending to the standing of a bank. The history of international lending is outlined, some background is given of the banks active in the field and what the author means by international lending is defined. T.H.Donaldson then goes on to describe the various analytical methods used in analysing companies and countries, distinguishing between domestic and international methods. He considers the special factors involved in lending to multinational companies and outines the main facilities used. Specialised types of lending (project, shipping and syndicated) are also examined. Recent experience of international lending is looked at. This is based on both public information and the views of a variety of bankers expressed in interviews. The final chapter looks at the future of international lending. In the second edition of this book the historical and outlook sections have been updated. The research has been repeated with an eye for changes, new instruments and the advent of securitization.