个人贷款不偿还概率的决定因素

IF 0.9 Q4 ENVIRONMENTAL SCIENCES
Ana Maria Calin, Oana Iacob Pargaru, Dragos Raducan, Ovidiu Andrei Cristian Buzoianu
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引用次数: 0

摘要

本文介绍了我国发放给个人的不良贷款,以及预防和回收不良贷款的方法。当债务人不能根据信贷协议及时履行其对银行的到期义务时,就记录了这种不偿还风险。作业的目的是了解自然人的信用制度,了解并仔细分析客户的档案,以便作出或不作出信贷决策,最终发放贷款。信用重组是应对不良贷款出现的重要手段,其目的是支持银行的客户,使其能够应对在信用合同发展的各个阶段暂时出现的财务僵局。为了防止违约风险,定期核查与借款人的合同、提供担保的过程,包括访问客户经营的地方,都是必不可少的因素。借款人在贷款期间经济金融状况恶化的贷款被称为不良贷款,即他们不能再满足贷款的还款条件,也不能支付利息费用和相关佣金。 关键词:银行,新冠肺炎,信贷,贷款
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Determinants of the Probability of Non-repayment of Loans Granted to Individuals
This paper presents non-performing loans granted to individuals as well as methods of prevention and recovery. This risk of non-repayment is recorded when the debtor cannot honor his due obligations to the bank in time according to the credit agreement. The objectives of the homework are to understand the credit system of natural persons, to know and carefully analyze the client's file with the aim of making or not the credit decision and finally granting the loan. Credit restructuring is an essential method in counteracting the appearance of non-performing loans, which aims to support a bank's customers, so that they can deal with financial impasse situations that have temporarily arisen in the various stages of the development of credit contracts. The process of periodic verification of the contract with the borrower, the guarantees offered, including visits to the place where the client operates are essential factors in order to prevent the risk of default. Loans approved for borrowers who, during the course of the lending period, experience a worsening economic-financial situation are called non-performing loans, that is, they can no longer meet the terms of repayment of the loan, nor can they cover the interest expense and related commissions. Key words: bank, COVID-19, credit, loans
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