首页
登录
职称英语
What are the warning signals to potential bad loans? Explain them. The potential
What are the warning signals to potential bad loans? Explain them. The potential
游客
2025-06-21
21
管理
问题
What are the warning signals to potential bad loans? Explain them.
选项
答案
The potential bad loans can be identified from the following warning signals:
Poor management:
—Poor management of the business and its limited ability to cope with the changing environment is the basic cause of business failure.
—Indications of potential business failure involving poor management:
-insufficient managerial personnel at various levels of operations;
-disharmony within the management team;
-chaos caused by major re-organization or relocation;
-over-ambitious expansion of operations;
-lack of financial or operating controls.
Industrial/market conditions:
—Market conditions, such as keen competition among producers, declining market demand and change in the preference of consumers, may lead to business failure:
—Aspects should be paid attention to:
-adverse performance of the company compared to its competitors;
-advanced technology which is expensive to keep up with;
-change in consumers’ preferences, tastes or fashion;
-threat caused by new entrants to the market and deteriorating market shares;
-monopoly power created by mergers or acquisitions.
Economic and political conditions:
—The economic and political conditions will largely influence the business.
—Unfavorable situations of a business may be subject to:
-economic slow-down or recession;
-deteriorating political stability;
-adverse conditions due to social unrest and pressure groups’ campaigns.
The implications of a client’s bank account
—Basically show the background and financial statistics which serve as a primary source for detecting possible problems in a client’s financial position.
—Indicators:
-static or hard-core overdraft;
-growing numbers of cheques with "insufficient funds" claimed by the client’s customers;
-excessive number of post-dated cheques;
-frequent drawings against uncleared funds;
-frequent excesses over agreed credit limit;
-deficiencies in loan repayments;
-past due import bills;
-unusual increase in credit enquiries concerning the client’s account from other banks and financial institutions;
-frequent cheque "kiting".
Financial position
—Financial statements will reflect the deterioration of the company’s financial position.
—Any deviation from the norm or market average would be a good indicator reflecting a business financial position.
—Indicators:
-liquidity ratios;
-debt ratios;
-profitability ratios;
-coverage ratios;
-trends over time;
-cash-flow;
-flows of other funds and forecast figures.
解析
转载请注明原文地址:http://tihaiku.com/zcyy/4128326.html
相关试题推荐
WangwantstotransferhismoneyfromChinatotheUS.Couldyouexplainthedif
Whatarethewarningsignalstopotentialbadloans?Explainthem.Thepotential
Whenonecountry’spotentialGDPishigherthanitsrealGDP,thismeans______.
(a)Definedefamation.(b)Explainthedifferencebetweenlibelandslander.(a)
Brieflyexplainvoid,voidableandunenforceablecontract.Avoidcontractison
Brieflyexplainthefollowingfourwaysthatpersonalpropertymaybeusedass
Acomprehensiveriskmonitoringandwarningsystem,whichfocusesonthesafety,
Afinancial______shouldbecarriedoutforanypotentialventureinthemanufa
Beforemakingaloan,potentiallendersdeterminetheborrower’sabilitytomee
Thebuildingownerhas_______itslistofpotentialcontractorstothosewhoseb
随机试题
[originaltext](5)Chinawillstarttorecruitandtrainthethirdgenerationof
甲对乙享有债权,乙对丙享有债权。因乙未清偿到期债务,甲欲行使代位权。甲提起代位权
A.Ⅰ结构跨中弯矩大 B.Ⅱ结构跨中弯矩大 C.一样大小 D.不能确定
中国-韦氏幼儿智力量表适用于A.1~2岁 B.1~3岁 C.6~16岁 D
糖尿病人长期监测的项目是( )。A.尿糖 B.尿白蛋白 C.空腹血糖 D
寄生性线虫卵卵壳多由几层组成A.1层B.2层C.3层D.5层E.4层
热原或细菌内毒素检查是以下剂型的重要质量指标A.洗剂 B.酊剂 C.片剂
弗洛伊德认为,个体心理发展的动力是( )A.本我 B.自我 C.超我 D
膜通道对离子的导通表现为 A.激活状态B.失活状态C.开放状态D.
(2017年)根据《恶臭污染物排放标准》,对高度15m以上排气筒规定的污染控制指
最新回复
(
0
)