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所在平台: Udemy |
课程主页: https://www.udemy.com/course/credit-specific-analysis/
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课程名称：信用风险分析 课程概述：这门实用性极强的课程专为有志于商业和零售金融、信用评估、信用监测、信用评级以及信用战略领域职业发展的候选人设计。信用风险是借款人可能给债权人造成的财务损失的潜在风险，或者债务人可能违约的风险。在评估借款人风险时，贷款方会考虑多个因素，包括借款人的收入、债务及还款历史。信用风险分析是评估借款人违约可能性的过程。贷款方使用各种技术和模型来评估个人和企业的信用worthiness。信用风险分析帮助贷款方减少损失，优化利率并分散投资组合，同时使借款人能够获得信用、改善信用评分并协商更有利的条件。 本课程将涵盖相关的实用主题，包括流动性分析、压力测试、部门与全球比较、清算情景与事件、并购/杠杆收购、从银行家的角度看信用分析、银行信用管理格式与信用政策制定、信用提案和信用评估准备、资本预算方法、贷款/债券、信用官的行为特征、预批准方法和分析、了解客户(KYC)要求、贷款/债券环境、社会及治理(ESG)分析等案例研究。 该课程将使学生能够遵循全球最佳实践进行信用评估，产生更好的交易思路并识别问题贷款，加强信用监测系统，提升基于巴塞尔的内部评级体系，做出贷款和投资建议，设计信用战略和信用投资组合。
This highly practical course has been specifically designed for candidates aspiring for a career in Commercial and Retail Finance, Credit Appraisal, Credit Monitoring, Credit Ratings and Credit Strategy.Credit risk is a lender's potential for financial loss to a creditor, or the risk that the creditor will default on a loan. Lenders consider several factors when assessing a borrower's risk, including their income, debt, and repayment history.redit risk analysis is the process of evaluating the likelihood of a borrower defaulting on a loan. Lenders use various techniques and models to assess the creditworthiness of individuals and businesses. Credit risk analysis helps lenders to minimize losses, optimize interest rates, and diversify portfolios. Credit risk analysis also benefits borrowers by enabling them to access credit, improve their credit scores, and negotiate better terms. This course will cover relevant and practical topics like Liquidity Analysis, Stress Testing, Comparison: Sector versus Global, Liquidation Scenario and Event, M & A/LBO, Banker's Angle to Credit Analysis, Bank CMA Format and Credit Policy Formulation, Preparation of Credit Proposal and Credit Appraisal, Capital Budgeting Methods, Loan/Bond, Behavioral Aspects of Credit officer, Pre-sanction Methodologies and Analysis, Know your Customer (KYC) requirements, ESG Analysis for Loans/Bonds, Case studies.This course will will enable the students to Perform credit appraisal with global best practices, Generate better trade ideas & identify problem loans, Amplify their credit monitoring system, Enhance Basel based internal rating system, Make lending and investment recommendations and Design credit strategy and credit portfolios.
