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Small-value loans but large loans number: characteristics of individual clients is the debt for the purpose of consumption or production of households should usually have small value dishes. Compared with the loans of enterprises, the smaller loans. However individual customer object is usually the most crowded. In addition, the customer's personal loan often arise and increasing trading volume. As the number of loans that many should profit from lending operations personal banking will not less if the Bank knows how to mobilize and to do well the management is related to the other.Costs evaluation: To avoid encountering the risks in lending activity, the Bank usually spend a lot of time and money on activities evaluation and monitoring loans strictly. In addition, the personal information of income is very difficult (often incomplete and inaccurate) should commercial banks will accept the high cost to high risk trade, ensure the security for the loan. Additionally, because the number of large loans, often short time should though when management and appraisal 1 customer, but when multiplied again is a huge cost for the Bank.Interest rates are usually higher than the interest rate of the loan: the interest rate applied to individual clients often higher the interest rates of the loans of commercial banks. Due to the scale of the loans are often not great but costs spent to manage very large commercial banks to draw out high interest rates to offset the costs (including the costs in terms of time, human resources, evaluation, management, ...), and make sure the offset risks as well as meet the requirements of the expected profitability of the Bank.
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