Bireysel krediler ve bankacılıkta otomasyonu
Başlık çevirisi mevcut değil.
- Tez No: 27298
- Danışmanlar: PROF. DR. İLHAN ULUDAĞ
- Tez Türü: Yüksek Lisans
- Konular: Bankacılık, Banking
- Anahtar Kelimeler: Belirtilmemiş.
- Yıl: 1994
- Dil: Türkçe
- Üniversite: Marmara Üniversitesi
- Enstitü: Sosyal Bilimler Enstitüsü
- Ana Bilim Dalı: Bankacılık Ana Bilim Dalı
- Bilim Dalı: Belirtilmemiş.
- Sayfa Sayısı: 226
Özet
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Özet (Çeviri)
213 Commercial banks are the major financial Institution granting most types of consumer credit. Since Its Introduction In the late 1920s, banks have become »ore and more Involved In consumer credit. Today consumer loans are a major component of every bank's loan portfolio. Major types of consumer credit Include installment loans, which are made on a secured or unsecured basis, charge cards, and revolving credit lines. Organization of the consumer loan function is very important. Given the uniform nature of most consumer loans, the profitability of the overall consumer loan portfolio depends on efficient administration of the loans. Technology carries a very Important role in consumer loan management. The computer Is typically used In credit analysis, preparation of loan documents, and routine collection. Hereby, thanks to System Development and Electronic Data Processing specialists who realize the adaptation of all the Improvements In techonology to the banking applications, bank services are becoming closer to the customers while it also facilitates the Internal operations for the banks.212 Direct secured loans are collateralized loans for which the bank takes security Interest In property to secure that loan. The largest single category of such loans are loans sade to purchase automobiles. Other types of collateral used to secure loans Include mobile homes, recreational vehicles, boats, large appliances, securities, passbooks, and cash values of life insurance policies. In the event that the consumer defaults on a loan, the bank will have the right to the col let era 1 that secures the loan. The potential loss to the bank is clearly less on secured loans as long as the colleteral is easily marketable and the loan-to-value ratio provides significant protection. Indirect secured loans are generated or dealers who sell merchandise to consumers and arrange for financing of the purchase through a bank or other lending institution. The majority of indirect secured loans are automobile loans. Other types of purchases for which indirect financing arrangements are common include mobile homes, construction and farm equipment, vehicles, and aircraft. Indirect loans can be purchased by the bank on a recourse or nonrecourse basis. If the loans are purchased on a recourse basis it is common for the bank to reserve a portion of the dealer's reserve with Interest that will eventually be earned by the dealer when the loan is repaid In monthly Installments. The bank holds the Interest Income in reserve until it builds up to a certain percentage of outstanding loans and then releases the excess Interest to the dealer.213 Commercial banks are the major financial Institution granting most types of consumer credit. Since Its Introduction In the late 1920s, banks have become »ore and more Involved In consumer credit. Today consumer loans are a major component of every bank's loan portfolio. Major types of consumer credit Include installment loans, which are made on a secured or unsecured basis, charge cards, and revolving credit lines. Organization of the consumer loan function is very important. Given the uniform nature of most consumer loans, the profitability of the overall consumer loan portfolio depends on efficient administration of the loans. Technology carries a very Important role in consumer loan management. The computer Is typically used In credit analysis, preparation of loan documents, and routine collection. Hereby, thanks to System Development and Electronic Data Processing specialists who realize the adaptation of all the Improvements In techonology to the banking applications, bank services are becoming closer to the customers while it also facilitates the Internal operations for the banks.212 Direct secured loans are collateralized loans for which the bank takes security Interest In property to secure that loan. The largest single category of such loans are loans sade to purchase automobiles. Other types of collateral used to secure loans Include mobile homes, recreational vehicles, boats, large appliances, securities, passbooks, and cash values of life insurance policies. In the event that the consumer defaults on a loan, the bank will have the right to the col let era 1 that secures the loan. The potential loss to the bank is clearly less on secured loans as long as the colleteral is easily marketable and the loan-to-value ratio provides significant protection. Indirect secured loans are generated or dealers who sell merchandise to consumers and arrange for financing of the purchase through a bank or other lending institution. The majority of indirect secured loans are automobile loans. Other types of purchases for which indirect financing arrangements are common include mobile homes, construction and farm equipment, vehicles, and aircraft. Indirect loans can be purchased by the bank on a recourse or nonrecourse basis. If the loans are purchased on a recourse basis it is common for the bank to reserve a portion of the dealer's reserve with Interest that will eventually be earned by the dealer when the loan is repaid In monthly Installments. The bank holds the Interest Income in reserve until it builds up to a certain percentage of outstanding loans and then releases the excess Interest to the dealer.213 Commercial banks are the major financial Institution granting most types of consumer credit. Since Its Introduction In the late 1920s, banks have become »ore and more Involved In consumer credit. Today consumer loans are a major component of every bank's loan portfolio. Major types of consumer credit Include installment loans, which are made on a secured or unsecured basis, charge cards, and revolving credit lines. Organization of the consumer loan function is very important. Given the uniform nature of most consumer loans, the profitability of the overall consumer loan portfolio depends on efficient administration of the loans. Technology carries a very Important role in consumer loan management. The computer Is typically used In credit analysis, preparation of loan documents, and routine collection. Hereby, thanks to System Development and Electronic Data Processing specialists who realize the adaptation of all the Improvements In techonology to the banking applications, bank services are becoming closer to the customers while it also facilitates the Internal operations for the banks.212 Direct secured loans are collateralized loans for which the bank takes security Interest In property to secure that loan. The largest single category of such loans are loans sade to purchase automobiles. Other types of collateral used to secure loans Include mobile homes, recreational vehicles, boats, large appliances, securities, passbooks, and cash values of life insurance policies. In the event that the consumer defaults on a loan, the bank will have the right to the col let era 1 that secures the loan. The potential loss to the bank is clearly less on secured loans as long as the colleteral is easily marketable and the loan-to-value ratio provides significant protection. Indirect secured loans are generated or dealers who sell merchandise to consumers and arrange for financing of the purchase through a bank or other lending institution. The majority of indirect secured loans are automobile loans. Other types of purchases for which indirect financing arrangements are common include mobile homes, construction and farm equipment, vehicles, and aircraft. Indirect loans can be purchased by the bank on a recourse or nonrecourse basis. If the loans are purchased on a recourse basis it is common for the bank to reserve a portion of the dealer's reserve with Interest that will eventually be earned by the dealer when the loan is repaid In monthly Installments. The bank holds the Interest Income in reserve until it builds up to a certain percentage of outstanding loans and then releases the excess Interest to the dealer.213 Commercial banks are the major financial Institution granting most types of consumer credit. Since Its Introduction In the late 1920s, banks have become »ore and more Involved In consumer credit. Today consumer loans are a major component of every bank's loan portfolio. Major types of consumer credit Include installment loans, which are made on a secured or unsecured basis, charge cards, and revolving credit lines. Organization of the consumer loan function is very important. Given the uniform nature of most consumer loans, the profitability of the overall consumer loan portfolio depends on efficient administration of the loans. Technology carries a very Important role in consumer loan management. The computer Is typically used In credit analysis, preparation of loan documents, and routine collection. Hereby, thanks to System Development and Electronic Data Processing specialists who realize the adaptation of all the Improvements In techonology to the banking applications, bank services are becoming closer to the customers while it also facilitates the Internal operations for the banks.212 Direct secured loans are collateralized loans for which the bank takes security Interest In property to secure that loan. The largest single category of such loans are loans sade to purchase automobiles. Other types of collateral used to secure loans Include mobile homes, recreational vehicles, boats, large appliances, securities, passbooks, and cash values of life insurance policies. In the event that the consumer defaults on a loan, the bank will have the right to the col let era 1 that secures the loan. The potential loss to the bank is clearly less on secured loans as long as the colleteral is easily marketable and the loan-to-value ratio provides significant protection. Indirect secured loans are generated or dealers who sell merchandise to consumers and arrange for financing of the purchase through a bank or other lending institution. The majority of indirect secured loans are automobile loans. Other types of purchases for which indirect financing arrangements are common include mobile homes, construction and farm equipment, vehicles, and aircraft. Indirect loans can be purchased by the bank on a recourse or nonrecourse basis. If the loans are purchased on a recourse basis it is common for the bank to reserve a portion of the dealer's reserve with Interest that will eventually be earned by the dealer when the loan is repaid In monthly Installments. The bank holds the Interest Income in reserve until it builds up to a certain percentage of outstanding loans and then releases the excess Interest to the dealer.213 Commercial banks are the major financial Institution granting most types of consumer credit. Since Its Introduction In the late 1920s, banks have become »ore and more Involved In consumer credit. Today consumer loans are a major component of every bank's loan portfolio. Major types of consumer credit Include installment loans, which are made on a secured or unsecured basis, charge cards, and revolving credit lines. Organization of the consumer loan function is very important. Given the uniform nature of most consumer loans, the profitability of the overall consumer loan portfolio depends on efficient administration of the loans. Technology carries a very Important role in consumer loan management. The computer Is typically used In credit analysis, preparation of loan documents, and routine collection. Hereby, thanks to System Development and Electronic Data Processing specialists who realize the adaptation of all the Improvements In techonology to the banking applications, bank services are becoming closer to the customers while it also facilitates the Internal operations for the banks.
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