Credit appraisal system at Standard Chartered Bank and the SME credit department
Summary :
Table of Contents
- Introduction
- Review of literature
- Types of risk and lending
- A study of traditional and modern credit process
- Risk assessment vs risk measurement
- Drivers of credit organization
- The five C's of credit
- Aggregate credit risk exposure and management
- Assessing applications for credit and credit evaluation principles
- Company profile
- History
- Principles and values
- Various types of business
- Data analysis and interpretation
- Recommendation and conclusion
- Bibliography
Abstract
The ongoing development of contemporary risk management methods and the increased use of innovative financial products such as securitization and credit derivatives have brought about substantial changes in the business environment faced by credit institutions today. Especially in the field of lending, these changes and innovations are now forcing banks to adapt their in-house software systems and the relevant business processes to meet these new requirements. Every banking corporation faces various kinds of risks during the course of its activities. Any profit - maximizing business, including banks, must deal with macroeconomic risks, such as the effects of inflation or recession and micro economic risks like new competitive threats. Risk management involves spotting the key risks, deciding where risk exposure should be increased or reduced, and identifying the methods for monitoring and managing the bank's risk position in real time. credit risk, the risk that a borrower defaults on a bank loan, is the risk usually associated with banks, because of the lending side of the intermediary function. It continues to be central to good risk management because most bank failures are linked to a high ratio of non performing loans to total loans. Good credit risk management has always been a key component to the success of the bank, even as banks move into other areas. Managing credit risk is the "bread and butter" of most commercial banks. There are examples of major bank failures which demonstrate that no matter what the structure of the banking system, poor risk management can cause insolvency, which may be endemic in a particular country.
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