silvia147852
今天这篇，就从银行对贷款客户的评级授信说起吧。未必完整，今后一定是要继续补充修订得。评级： i. In practice, when considering credits to customers, bankers may apply what are generally known as “canons of good lending” in evaluating clients’ credit risks. ii. For a limited company to borrow, does it have the legal authority under the memorandum and articles of association to borrow? iii. “Capital” refers to the “cushion of assets” for repayment of the bank’s advances in the event of the borrower experiencing financial difficulties. iv. Try to find out as much credit information as possible from any sources about the customers. v. Whenever possible, the customer’s financial statements, including income statement, balance sheet, cash flow statement etc., should be obtained and analyzed. 授信： i. In order to determine the maximum amount to be made available to the customer, the banker may examine the corporate customer’s financial statements of assets and liabilities. ii. In practice, a bank should never lend a customer more than a quarter of his own resources or financial assets. iii. A banker should employ the credit risk assessment in order to determine the credit worthiness of potential customers.
