is reviewed V? Yu t camping, ensure that REMARK ivaet increase efficiency analysis to effec kreditosposo used completely. of the creditworthiness of the borrower lities begins with an examination of the following aspects of his de yours elf:
Analysis of the factor C 1. In social marketing concepts that represent an opportunity factor enterprise-manufacturer their wares Satisfactory e doeth the interests of consumers. In other words, there are tons of manufacturers if and only if their product needs consumers. Through tion methods differ h rows factor (including regression) analysis identified are:
* Correspondence between supply and demand e tion;
* The ability to manufacturer certain social groups interested potential and / or actual consumers;
* Optimal choice of market segment (window niche), etc.
Analysis of the factor C 2 that welcomes interests sa direct proi s driver, ie its ability to make profits and to dispose of it. This analysis is done by e next blow u them on the boards:
* The level of costs of the producer;
* «Solidity» producer, ie timely payments to earlier on the floor at chennym cred and there, its capital base as a borrower;
* His reputation (rating), his desire and determination to meet their on I zatelst in a;
* possibility of lien from the TS alive its banks and banking institutions.must always control the quality of the collateral, uro Wen to whether its visibility, but t wo w ix its market value with time example of the loan.between so-called hard (fixed) and floating conductive deposits. To the solid collateral relates property which may be granted a loan and the borrower in case of impossibility tori Oplan tit its obligations. In this case, the entity (the borrower) has no more rights and dispose of them. Most often fixed mortgage vannomu include a mortgage on real fixed capital, at least - receivables, value stocks, bonds and other securities used in the magician on the property.floating charge are primarily stocks of inventory and finished goods. Sometimes it can be extended to all the property of the borrower, except providing lennogo already TBE p Dy bail., The decision to adopt a rigid or floating charge secured creditor taken most often by the bank. This is a way to protect the borrower from pr e Tenza other creditors on its property in case of violation of its financial stability.
Economic and statistical analysis of creditworthiness and ability to transfer e cl and STE in the chosen methodology.our view, once a year (half, quarter) when establishing relative w eny between the bank and the new borrower and / or the active Macroeconomic dynamics and kinetics necessary to conduct a detailed analysis of the creditworthiness of lys lities.more often necessary to carry out the so-called ex-press analysis, through which the bank becomes aware of the current financial condition of the client present.analysis of creditworthiness and solvency of the borrowers bank ka ne ff e necessity following information :) annual, quarterly, monthly finance statements about Vai ;) detailed structure Inventories c ennostey, p tion debtors and accounts payable, at least in the last 18 months of em; ) the company's business plan ;) marketing plans, production and management ...
