首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
What credit risk assessment is involved in sole proprietorship and partnership company loan?
What credit risk assessment is involved in sole proprietorship and partnership company loan?
admin
2011-01-15
76
问题
What credit risk assessment is involved in sole proprietorship and partnership company loan?
选项
答案
A sole proprietorship is a business owned by an individual who will be responsible for business debts up to the full extent of his personal assets. The following points should be considered in assessing and minimizing the risk when evaluating a loan request from a sole proprietor: a. Checking the business registration certificate to establish that the borrower is the sole owner of the business. b. Since the borrower may have substantial personal assets outside the business, so ascertain his personal net worth. c. Find out how the borrower’s net worth has been accumulated, i.e. what has been built up from his own efforts, from inheritance, or speculative gains. d. Check out if the borrower is experienced in the particular business which he is running and for which he is requesting a loan. e. Check out if the borrower has a good track record in running a successful and profitable business. 2. A partnership is a business in which two or more persons join together for the purpose of carrying on a business with a view to making profit. To assess the partnership as a credit risk, the banker ought to follow these steps: a. Establish the names of ail partners by cheeks on the company’s registered office or the partnership deed. b. Evaluate the partnership’s repayment ability by analyzing information obtained from its statements of account. c. Ascertain the reputation of the partnership; where partnerships are professional firms such as solicitors, accountants etc., information can easily be obtained from the customer’s professional associations. d. Find out the personal net worth of individual partners as the bank may have to call on their private resources in case the partnership being unable to meet its financial obligations. e. Analyze the background of each partner to see if he/she has a good track record in running a successful business.
解析
转载请注明原文地址:https://kaotiyun.com/show/cRYd777K
0
中级(银行业务)
原金融专业英语(FECT)
金融英语(FECT)
相关试题推荐
A、 B、 C、 Bcreditcard.
[A]between[B]atlast[C]pencil[D]office[D]plane[F]aunt[G]dictionaryabookyoucanlookupnewword
Youdon’tneedtodescribe(描述)her.I______herseveraltimes.
Mr.Blackwasyoungandable.Thebosslikedhim.LastmonthhewassenttoChinaonbusiness.BeforehewentbackfromChina,h
Mr.Blackwasyoungandable.Thebosslikedhim.LastmonthhewassenttoChinaonbusiness.BeforehewentbackfromChina,h
In1826,aFrenchmannamedNiepceneededpicturesforhisbusiness.Buthewasnotagoodartist.Soheinventedaverysimplec
In1826,aFrenchmannamedNiepceneededpicturesforhisbusiness.Buthewasnotagoodartist.Soheinventedaverysimplec
In1826,aFrenchmannamedNiepceneededpicturesforhisbusiness.Buthewasnotagoodartist.Soheinventedaverysimplec
Alltheworkers______togetherandwrotealettertotheheadofthecompany.
随机试题
为什么说审美活动是人最具本质性的存在方式?
事物发展的基本方向是由()
原发性肝癌疼痛护理哪项不正确( )。
工程量清单上,路基清表工程量是按平均20cm厚度估算的。开工后,承包人提出对于超过20cm厚度的清表工作应予以计量。为保证清表质量,监理工程师认定,()。
审查施工图预算舶重点是()。
一座容量为8600人的一、二级耐火等级的体育馆,体育馆要求3.5min内完成全部人员的疏散,每个出口的宽度为2.2m(即4股人流所需宽度),单股人流通行能力按照37人/min计算,下列疏散门数量上不符合要求的有()。
Whichofthefollowingwordsdoesnotcontainafricative?
(2007年单选42)最早在法律上规定“诸强奸幼女者处死,虽和同强,女不坐”的是()。
Didyouevergothere?I______gotherebymyself.
A、BusinessManagement.B、EnglishLiterature.C、EnglishMarketing.D、EnvironmentalStudies.A细节题。关于Shirley在研究生学的专业,录音中提到“Igotmy
最新回复
(
0
)