| Description |
1 online resource (242 pages) |
| Contents |
Front cover; Series page; Title page; Copyright page; Dedication page; Contents; List of figures; List of tables; Acronyms and abbreviations; Foreword; Preface; 1 An introduction to lending concepts and principles; 1.1 INTRODUCTION; 1.2 AN OVERVIEW OF THE LENDING MARKET; 1.3 WHAT IS 'LENDING'?; 1.4 RISK AND RETURN; 1.5 THE ATTRIBUTES OF GOOD LENDING; 1.6 THE PRINCIPLES OF CREDIT RISK MANAGEMENT; 1.7 CONCLUSION; 2 The legal and regulatory environment; 2.1 THE LEGAL AND REGULATORY FRAMEWORK; 2.2 CODES OF PRACTICE; 2.3 OMBUDSMEN; 2.4 CUSTOMER RIGHTS AND COMPLAINTS PROCEDURES |
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2.5 TREATING CUSTOMERS FAIRLY2.6 CONCLUSION; 3 Types of borrower; 3.1 INTRODUCTION; 3.2 PERSONAL BORROWERS; 3.3 PARTNERSHIPS; 3.4 COMPANIES; 3.5 UNINCORPORATED ASSOCIATIONS; 3.6 CONCLUSION; 4 Purposes of financing; 4.1 INTRODUCTION; 4.2 CONSUMER FINANCE; 4.3 BUSINESS FINANCE; 4.4 CONCLUSION; 5 Forms of lending; 5.1 TYPES OF LENDING; 5.2 OVERDRAFTS; 5.3 LOANS; 5.4 CREDIT CARDS; 5.5 INVOICE DISCOUNTING; 5.6 FACTORING; 5.7 HIRE PURCHASE; 5.8 LEASING; 5.9 OTHER FORMS OF PROVIDING FINANCE; 5.10 CONCLUSION; 6 The lending cycle -- the credit-granting process; 6.1 THE LENDING CYCLE |
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6.2 THE LOAN APPLICATION AND SUPPORTING INFORMATION6.3 LOAN DOCUMENTATION AND COVENANTS; 6.4 FURTHER ADVANCES; 6.5 CONCLUSION; 7 Loan evaluation; 7.1 LOAN EVALUATION TOOLS AND TECHNIQUES; 7.2 EVALUATION OF WORKING CAPITAL REQUIREMENTS; 7.3 EVALUATION OF TERM LENDING REQUIREMENTS; 7.4 CREDIT SCORING; 7.5 CREDIT RATING AGENCIES; 7.6 CONCLUSION; 8 Security -- general; 8.1 INTRODUCTION; 8.2 THE ATTRIBUTES OF GOOD SECURITY; 8.3 PERFECTING SECURITY INTEREST; 8.4 THE DESIRABILITY OF TAKING SECURITY; 8.5 CONCLUSION; 9 Security -- specific forms; 9.1 INTRODUCTION; 9.2 LAND AND PROPERTY |
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9.3 LIFE INSURANCE POLICIES9.4 STOCKS AND SHARES; 9.5 GUARANTEES; 9.6 DEBENTURES -- FIXED AND FLOATING CHARGES; 9.7 THE REALISATION OF SECURITY; 9.8 CONCLUSION; 10 The lending cycle -- the monitoring and control process; 10.1 THE NEED FOR MONITORING AND CONTROL; 10.2 INFORMATION SOURCES FOR REVIEW; 10.3 DETECTING PROBLEM LOANS; 10.4 THE STAGES OF RECOVERY; 10.5 CONCLUSION; 11 Islamic f inance; 11.1 INTRODUCTION; 11.2 MODES OF ISLAMIC FINANCE; 11.3 SOME SPECIAL FEATURES OF ISLAMIC FINANCE; 11.4 CONCLUSION; 12 The impact of lending and social responsibility |
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12.1 THE ECONOMIC AND SOCIAL EFFECTS OF LENDING12.2 RESPONSIBLE LENDING; 12.3 RELATIONSHIP LENDING AND RESPONSIBLE LENDING; 12.4 CONCLUSION; Appendix A: Suggested answers to case study questions; Table of cases; Table of statutes; Table of statutory instruments; Table of European legislation; References; Index; Back Cover |
| Summary |
This book is for students and professionals working, or intending to work, in a lending-related role. It provides comprehensive, up-to-date coverage of bank lending and will give lending staff the detailed knowledge and understanding of the financial and legal aspects of their roles they need to fulfil employer, as well as customer, expectations |
| Notes |
Print version record |
| Subject |
Bank loans.
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BUSINESS & ECONOMICS -- Finance.
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Bank loans
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| Form |
Electronic book
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| Author |
Lee, Vijay
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| ISBN |
9781912184071 |
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1912184079 |
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