Managing Credit (Prebound)

By

Marc Robinson
(Author),

Robert Mc Kinley
(Author),

Robert L Mc Kinley
(Joint Author)

Management Of Credit Schemes In Banks (Hardcover)

By

Usha Arora

http://www.scribd.com/doc/23330869/%E2%80%9CCredit-Appraisal-for-WorkingCapital-Finance-to-Small-and-Medium-Enterprises-at-State-Bank-of-I#archive
he Reserve Bank of India (RBI), as the central bank of the country, closely monitors developments in the whole financial sector.The banking sector is dominated by Scheduled Commercial Banks (SBCs). As at end-March 2002, there were 296 Commercial banks operating in India. This included 27 Public Sector Banks (PSBs), 31 Private, 42 Foreign and 196 Regional Rural Banks. Also, there were 67 scheduled co-operative banks consisting of 51 scheduled urban co-operative banks and 16 scheduled state co-operative banks.cheduled commercial banks touched, on the deposit front, a growth of 14% as against 18% registered in the previous year. And on advances, the growth was 14.5% against 17.3% of the earlier year. i. ACKNOWLEDGEMENT ii. EXECUTIVE SUMMARY

CHAPTERS 1. INTRODUCTION TO BANKING SECTOR

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History of Banking & SBI Reforms in Banking Sector Classification of Banks A snapshot of Banking Sector

01 03 04

2.

INTRODUCTION TO CREDIT APPRAISAL

q BRIEF OVERVIEEW OF CREDIT 20 q BASIC OF CREDIT q BREIF OVERVIEW OF LOANS WORKING CAPITAL TERM LOAN q CREDIT APPRAISAL PROCESS 42 23

22 23

28

3.

RESEARCH METHOLODOGY

43

4.

INTRODUCTION OF SME

45

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Concept FROM SSI TO SME DEFINITION ELIGIBILITY CRITERIA CHALLENGES FACED BY SME 46 48

45 45

5.

CREDIT RISK ASSESSMENT

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WHAT IS RISK? CREDIT & RISK IMPORTANCE OF CREDIT RISK ASSESSMENT (CRA) MINIMUM SCORES / HURDLE RATES SALIENT FEATURES OF CRA MODELS

49 50 51 52 53

6.

SBI NORMS FOR CREDIT APPRAISAL

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LOAN POLICY CREDIT APPRAISAL STANDARDS REQUIREMENT OF DOCUMENTS FOR PROCESS OF LOAN PRICING REVIEW / RENEWAL OF ADVANCES TAKE OVER OF ADVANCES CREDIT MONITORING & SUPERVISION LOAN ADMINISTRATION TYPES OF LENDING ARRANEMENT 58 62

64

72 74 86

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CASE STUDY FINDINGS

89 1

BIBLOGRAPHY

109