Part of the risk measurement are the assessment of risk factors not being an issue of order allows us to have substantial discretion detail later.
Once collected media reports of official or unofficial, must reach a conclusion on the status and conditions of the prospective client in regard to his character, ability and capital, in addition to analyzing the collateral aspects and conditions economic environment, forming the five Cs of credit factors. Because the essence of trade credit is to reach a decision on granting the credit or not, whether the information obtained is adequate, valued and reflected carefully analyzed more healthy and rational judgments on the role that is performing. This will highlight the experience of loan officer.
6.1.
CHARACTER This is an important factor, because each credit transaction involves a promise to pay. This factor is referred to a moral view that has to do with the effort made by the debtor to honor his debt to the possibility of excuse to comply with this obligation. A view of moral and mental character that identifies the customer when buying a financial commitment and implicitly accepts the payment thereof.
believe that Honesty, Integrity, Fairness, Responsibility and trust are fundamental qualities character, without neglecting the habits that reflect their behavior in society, as the trial of the character is based on evidence whose confirmation is determined by the research techniques and analysis of the accuracy of references as per its documentation.
Given that credit is inconceivable without the confidence given by the applicant, the question in this regard will be, will pay?
6.2.
CAPACITY Capacity is a subjective assessment of the possibilities offered to pay the customer. This related to his history as a debtor and their behavior to cope with their debts, in addition to that, physical observations or restricting their business and their methods and business customs. We believe that customers can not always measure their level of indebtedness and can hardly manage a payment power that goes with your willingness to pay because they are not accustomed to working under a pattern of expenses or requirements. In the case of a natural person will be your income, profession, age, job stability and the company where he worked, etc..
capacity is also measured by the level of education, training, experience, prestige, the ability to use them in your favor and keep your credit from its creditors. Here the question is: Can You Afford?
6.3. THE CAPITAL
This factor is measured by the position and overall financial soundness of the business, subject to an analysis of reasons or financial ratios, with special attention to tangible net worth of the company (Assets, Investments and other resources). Objective is the security that a debtor represented by the exposure of their property, that pay well in the long term, if the character or the ability to fail.
The capital is the guarantee that a creditor can take as a basis for the debtor to meet its debt payments if it is misused. A serious and professional work will be executed when it comes to analyzing financial statements. In a company
capital is reflected in the Financial Statements for the formation thereof, in the proper valuation of Fixed Assets in the early negotiations of their inventories and, according to the type of firm, tradable goods that have the partners.
not forget that a misinterpretation of the financial statements substantially affect the reduction and credit decision as stated Indacochea who says "If inflation adjustments are made, any statement deserves no faith in technical or scientific analysis", So same legislation on the submission of audited financial statements, requires a reassessment analysis fixed assets, changes in equity, cash flow situation etc.
An analysis of the financial statements will help the loan officer to make objective decisions. If the business does not have to reach this information, then it is advisable to develop an analytical framework with the information you have. Here the question will be formulated much can you afford?.
6.4. THE COLLATERAL
is represented by assets, mortgages, guarantees or collateral, the entrepreneur accessory can offer as collateral to further secure the payment of the obligation to contract.
This is important to consider the actual implementation capacity that may have the assets or warranty made by the merchant. We also believe that the collateral did not alter the condition of risk, a credit granted on the basis of assurances retains the status of risk, this risk is always kept until the client pays.
then discuss in greater interest in a separate chapter all matters concerning the collateral was considered an option gravitating to secure lending.
6.5. ENVIRONMENTAL CONDITIONS
Manifest the effect on the company by economic trends or unforeseen events in political, economic, moral or social development that affect the client's ability to meet its payment obligations or its inability to handle favor its own generating resources. These being major factors that determine the delinquency rate of our customer base.
also are actions brought by the client that can alter a whole program set appropriations. Within the risk
are actions triggered by the same client that can alter a whole program set appropriations.
Credit risk within the effects of variables are considered, and must be taken into account when granting credit.
Once collected media reports of official or unofficial, must reach a conclusion on the status and conditions of the prospective client in regard to his character, ability and capital, in addition to analyzing the collateral aspects and conditions economic environment, forming the five Cs of credit factors. Because the essence of trade credit is to reach a decision on granting the credit or not, whether the information obtained is adequate, valued and reflected carefully analyzed more healthy and rational judgments on the role that is performing. This will highlight the experience of loan officer.
6.1.
CHARACTER This is an important factor, because each credit transaction involves a promise to pay. This factor is referred to a moral view that has to do with the effort made by the debtor to honor his debt to the possibility of excuse to comply with this obligation. A view of moral and mental character that identifies the customer when buying a financial commitment and implicitly accepts the payment thereof.
believe that Honesty, Integrity, Fairness, Responsibility and trust are fundamental qualities character, without neglecting the habits that reflect their behavior in society, as the trial of the character is based on evidence whose confirmation is determined by the research techniques and analysis of the accuracy of references as per its documentation.
Given that credit is inconceivable without the confidence given by the applicant, the question in this regard will be, will pay?
6.2.
CAPACITY Capacity is a subjective assessment of the possibilities offered to pay the customer. This related to his history as a debtor and their behavior to cope with their debts, in addition to that, physical observations or restricting their business and their methods and business customs. We believe that customers can not always measure their level of indebtedness and can hardly manage a payment power that goes with your willingness to pay because they are not accustomed to working under a pattern of expenses or requirements. In the case of a natural person will be your income, profession, age, job stability and the company where he worked, etc..
capacity is also measured by the level of education, training, experience, prestige, the ability to use them in your favor and keep your credit from its creditors. Here the question is: Can You Afford?
6.3. THE CAPITAL
This factor is measured by the position and overall financial soundness of the business, subject to an analysis of reasons or financial ratios, with special attention to tangible net worth of the company (Assets, Investments and other resources). Objective is the security that a debtor represented by the exposure of their property, that pay well in the long term, if the character or the ability to fail.
The capital is the guarantee that a creditor can take as a basis for the debtor to meet its debt payments if it is misused. A serious and professional work will be executed when it comes to analyzing financial statements. In a company
capital is reflected in the Financial Statements for the formation thereof, in the proper valuation of Fixed Assets in the early negotiations of their inventories and, according to the type of firm, tradable goods that have the partners.
not forget that a misinterpretation of the financial statements substantially affect the reduction and credit decision as stated Indacochea who says "If inflation adjustments are made, any statement deserves no faith in technical or scientific analysis", So same legislation on the submission of audited financial statements, requires a reassessment analysis fixed assets, changes in equity, cash flow situation etc.
An analysis of the financial statements will help the loan officer to make objective decisions. If the business does not have to reach this information, then it is advisable to develop an analytical framework with the information you have. Here the question will be formulated much can you afford?.
Current Ratio = Current Assets / Current Liabilities
= 708/540 = 1.31 times
6.4. THE COLLATERAL
is represented by assets, mortgages, guarantees or collateral, the entrepreneur accessory can offer as collateral to further secure the payment of the obligation to contract.
This is important to consider the actual implementation capacity that may have the assets or warranty made by the merchant. We also believe that the collateral did not alter the condition of risk, a credit granted on the basis of assurances retains the status of risk, this risk is always kept until the client pays.
then discuss in greater interest in a separate chapter all matters concerning the collateral was considered an option gravitating to secure lending.
6.5. ENVIRONMENTAL CONDITIONS
Manifest the effect on the company by economic trends or unforeseen events in political, economic, moral or social development that affect the client's ability to meet its payment obligations or its inability to handle favor its own generating resources. These being major factors that determine the delinquency rate of our customer base.
also are actions brought by the client that can alter a whole program set appropriations. Within the risk
are actions triggered by the same client that can alter a whole program set appropriations.
Credit risk within the effects of variables are considered, and must be taken into account when granting credit.
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