商业银行管理bankmanagmentfinancialservices7th第18章课后题答案Word文件下载.docx
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商业银行管理bankmanagmentfinancialservices7th第18章课后题答案Word文件下载.docx
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UniqueCharacteristicsofConsumerLoans
EvaluatingaConsumerLoanRequest
CreditCardsandCreditScoring
DisclosureRulesandDiscrimination
LoanPricingandRefinancing
ChapterOutline
I.Introduction
II.TypesofLoansGrantedtoIndividualsandFamilies
A.ResidentialMortgageLoans
B.NonresidentialLoans
1.InstallmentLoans
2.NoninstallmentLoans
C.CreditCardLoansandRevolvingCredit
D.NewCreditCardRegulations
E.DebitCards:
APartialSubstituteforCreditCards
1.DebitCards
2.RapidConsumerLoanGrowth
Ill.CharacteristicsofConsumerLoans
IV.EvaluatingaConsumerLoanApplication
A.CharacterandPurpose
B.IncomeLevels
C.DepositBalances
D.EmploymentandResidentialStability
E.PyramidingofDebt
F.HowtoQualifyforaConsumerLoan
G.TheChallengeofConsumerLending
V.ExampleofaConsumerLoanApplication
VI.Credit-ScoringConsumerLoanApplications
A.TheTheoryofCreditScoring
B.AnExampleofCreditScoring
C.TheFICOCreditScoringSystem
VII.LawsandRegulationsApplyingtoConsumerLoans
A.CustomerDisclosureRequirements
1.TruthinLendingAct
2.FairCreditReportingAct
3.FairCreditBillingAct
4.FairCreditandCharge-CardDisclosureAct
5.FairDebtCollectionPracticesAct
B.OutlawingCreditDiscrimination
1.EqualCreditOpportunityAct
2.CommunityReinvestmentsAct
C.PredatoryLendingandSubprimeLoans
VIII.RealEstateLoans
A.DifferencesBetweenRealEstateLoansandOtherLoans
B.FactorsinEvaluatingApplicationsforRealEstateLoans
C.HomeEquityLending
IX.TheChangingEnvironmentforConsumerandRealEstateLending
X.PricingConsumerandrealEstateLoans:
DeterminingtheRateofInterestandOtherLoanTerms
A.TheInterestRateAttachedtoNonresidentialConsumerLoans
1.TheCostPlusModel
2.AnnualPercentageRate
3.SimpleInterest
4.TheDiscountRateMethod
5.TheAdd-OnLoanRateMethod
6.Ruleof78s
B.InterestRatesonHomeMortgageLoans
1.FixedRatedMortgages
2.VariableRateMortgages
3.ChargingtheCustomerMortgagePoints
XI.SummaryoftheChapter
ConceptChecks
18-1.Whataretheprincipaldifferencesamongresidentialloans,nonresidentialinstallmentloans,noninstallmentloans,andcreditcardorrevolvingloans
Residentialloansarecredittofinancethepurchaseofahomeorfundimprovementsonaprivateresidence.Installmentloansarepaidoffgraduallyovertimewhereasnoninstallmentloansaregenerallypaidoffinlumpsumattheendoftheloan.Installmentloansusuallyfinancelarge-ticketpurchases,suchasautomobilesorhouseholdfurniture,whereasnoninstallmentloansusuallyaredirectedatcurrentlivingexpenses.Installmentloanshelpthebankrecoverfundsthatcanbereloanedmorequicklybuttheygenerallyrequireamoreintensivecreditinvestigationbythebank.Bankcreditcardsofferconvenienceandarevolvinglineofcreditthatthecustomercanaccesswhenevertheneedarises.
18-2.Whydointerestratesonconsumerloanstypicallyaveragehigherthanonmostotherkindsofloans
Interestratesonconsumerloansaretypicallyhigherthanonmostotherkindsofloanssincetheyareamongthemostcostlyandmostriskytomakeperdollarofloanablefunds.Consumerloansalsotendtobecyclicallysensitive.Moreover,consumerstendtoberelativelyunresponsivetochangesininterestrateswhentheygooutandborrowmoney.
18-3.Whatfeaturesofaconsumerloanapplicationshouldaloanofficerexaminemostcarefully
Aloanofficershouldexaminecharacterandpurpose,incomelevels,employmentandresidentialstability,andpyramidingofdebtwhenevaluatingaconsumerloanapplication.
18-4.Howdocreditscoringsystemswork
Credit-scoringsystemsusestatisticaltechniques(usuallymultiplediscriminantanalysis)toclassifyborrowersbasedonselectedcharacteristicsofeachborrowerastowhethertheyarelikelyorunlikelytorepaytheloantheyhaverequested.
18-5.Whataretheprincipaladvantagestoalendinginstitutionofusingacreditscoringsystem
Thecreditscoringmethodhastheadvantageofbeingobjective,requiringlessloanofficerjudgment,possiblyloweringloanlosses,andloweringoperatingcostswhenalargevolumeofconsumerlo
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