how do bank decide who to lend to?

how do bank decide who to lend to?
Normally we analyse the customers That means that we analyse the annual reports, the figures during the year. We have to analyse how company will develop in the future. So we evaluate the current situation the future situation of the customer.
We also discuss the loan with the customer what kind of loan is it? Is it a short-term loan or is it a long-term loan? It's very important to know the maturity of this loan, If we lend money for a long time we have to be sure that the customer can repay this. Normally company must be able to repay the loan from the operating cash flow, the EBIT of the company.
Our decision also depends on the bank'portfolio. We finance are different sector in industry, and we've got different limits for the sectors. And if we overstep this limit with the new customer, we need a new approval for the higher limit for the sector, and we have to decide if it's increase the credit limit for the sector.
We also have a rating for each sector, and we have to decide if it is a sector with a good rating or a sector with a bad rating. If you have a sector with a bad rating we normally only finance the best companies in this sector.
Sometimes the customer would like to finance some different transactions in foreign countries. If we finance transactions in Eastern Europe or in Asia we have to look at the country rating and we have to limit for this country. For these countries we have limits or we look at the country we can't finance it - it's too dangerous

Results (English) 2:

how do decide who to lend to banks?
Bình thường chúng Analyse the customers table vì chúng That Analyse the Annual Reports, the figures khi the year. We have to Analyse how in the future develop sẽ company. We evaluate the current situation than the future situation of the customer.
We cũng Discuss the loan with the customer what kind of loan is it? Is it a short-term loan or a long-term is it spreading? It's very Important to know the maturity of this loan, lend money for If We a long time we have to be sure the customer can repay this là. Thường phải company repay the loan thể cash flow from the operating, the EBIT of the company.
Our Decision depends on the bank'portfolio cũng. We finance sector are different in industry, and We've got khác limits for the sectors. And If We Overstep this limit with the new customer, We Need a new approval for the Higher limit for the sector, and WE HAVE TO decide if it's tăng the credit limit for the sector.
We cũng have a rating for each sector, and chúng have to decide if it is a sector with a good rating or a sector with a bad rating. If you have a sector with a bad rating thường chúng finance only the best companies in this sector.
Sometimes the customer muốn finance transactions in the foreign khác some COUNTRIES. If We finance transactions in Asia or in Eastern Europe look at the WE HAVE TO WE HAVE TO country and limit the ratings for this country. For these Countries WE HAVE limits or look at the country chúng We Can not finance it - it's too dangerous