FINANCIAL INSTITUTIONS in VS .NET

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Direct Lease Financing Leasing is a form of debt nancing for xed assets that, although differing in legal form, is similar to substance to term lending Like a more conventional loan, the institution s credit concerns in extending lease nancing are ones of cash ow, credit history, management, and projections of future operations The type of property to be leased and its marketability in the event of default or termination of the lease are concerns quite parallel to the bank s evaluation of collateral In a leasing arrangement, the bank formally owns the property rather than having a lien on it Lease nancing arrangements may be accounted for either as nancings (ie, as loans) or as operating leases depending upon the precise terms of the transaction and on the applicable accounting principles Consumer Loans Consumer loans personal loans to individual borrowers can originate through a bank s own customers (direct loans) or through merchants with whom the borrowers deal (indirect loans) They may relate speci cally to the purchase of items that can serve as collateral for the borrowing (eg, vehicles, mobile homes, boats, furniture) or to other needs that provide no basis for a security interest (eg, vacations, income tax payments, medical expenses, educational costs) Consumer loans may be made on an installment, single payment, or demand basis They are often broken down into classi cations that describe the purpose of the nancing (student loans or home equity loans) or the terms of disbursement and repayment (installment loans, credit card loans, check credit) Installment Loans Installment loans are the most common type of consumer credit Their terms normally include repayment over a speci ed period of time with xed minimum periodic (usually monthly) payments Interest rates are generally xed on origination but may be variable over the term of the loan The term is generally determined by the type of purchase being nanced and is usually relatively short 10 years or less Standby Letters of Credit A standby letter of credit is a promise made by an institution to provide compensation to a third party on behalf of its customer in the event that the customer fails to perform in accordance with the terms speci ed by an underlying contract Standby letters of credit may be available under a credit facility or may be issued for a speci ed amount with an expiration date Normally, payment under such agreements depends on performance or lack of performance of some act required by the underlying contract Standby letters of credit are typically recorded as contingent liabilities in memorandum records and are offset by customer liability memorandum accounts In the event that funds are disbursed under a standby letter of credit agreement, the drawing would be recorded as a loan Sovereign Risk Sovereign risk lending involves the granting of credit facilities to foreign governments or to companies based in foreign countries The facilities are normally denominated in a currency other than the domestic currency of the borrower and are typically used to nance imports or to re nance existing foreign currency debt In addition to all of the customary considerations surrounding credit risk, sovereign risk lending involves economic, social, and political considerations that bear on the ability of the borrower to repay foreign currency obligations Trade Finance
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Letters of Credit Letters of credit are instruments used to facilitate trade (most commonly
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international trade) by substituting an institution s credit for that of a commercial importing company A letter of credit provides assurance to a seller that he will be paid for goods shipped At the same time, it provides assurance to the buyer that payment will not be made until conditions speci ed in the sales contract have been met
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