Bank lending: beyond the theory
Saved in:
| Format: | Book |
|---|---|
| Language: | English |
| Published: |
London u.a.
Chapman & Hall
1993
|
| Edition: | 1. ed. |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | X, 249 S. graph. Darst. |
| ISBN: | 0412473100 |
Staff View
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Record in the Search Index
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|---|---|
| adam_text | Contents | 1LJ U U U L
Preface ix
Acknowledgements xi
1 The importance of lending 1
Introduction 1
Sources of finance and its uses 1
The nature of the lending decision 3
Risk and return 4
The significant variables in the assessment risk 4
A summary of the book 8
Notes 9
References 9
2 Approaches to lending 10
Introduction 10
An historical perspective 11
Information requirements 13
Financial covenants 16
The going concern approach and the size of business 21
References 22
3 Learning to lend 24
Introduction 24
Entry into banking 24
Lending education, training and experience 26
The lending behaviour of bankers 30
Summary 34
Conclusions 35
References 35
4 Sources of information for the lending decision audited
accounts 37
Introduction 37
Audited accounts 40
Notes 55
vi CONTENTS
References 56
5 Other sources of information for the lending decision 57
Sources of information that are publicly available 57
Sources of information not in the public domain 60
References 65
6 The use and importance of information 66
Information available without recourse to the borrower 66
Audited accounts 69
Analysis of accounting information 72
Profitability 74
Management accounts 77
Summary 79
Notes 80
References 80
7 The role of the lending interview 82
Introduction 82
Stages in an application for finance 82
Factors influencing the lending interview 83
Information gathering 85
Information testing 90
Banking relationships 91
Interview pitfalls 93
Summary 95
References 96
8 The role and use of financial information 97
Introduction 97
The four types of proposition 98
Lending to existing businesses 99
A model of lending for existing small businesses 99
Accounting information on a small business context 101
The use of financial information 102
Profitability and future profitability 103
Gearing 106
Security 108
Liquidity 111
Summary and interrelationships of financial information 111
Conclusions 113
Notes 114
References 115
9 Forecast information and its use in the lending decision 116
Assessment of forecast information 116
Existing business / existing customer 117
Existing business / new customer 119
CONTENTS vii
Existing customer / new business 121
New customer / new business 122
Summary and conclusions 123
Note 124
References 125
10 Lending to the person 126
Introduction 126
Introducing new lending business 126
Lending to the person 129
Assessing management in a small business 130
Technical skill 134
Human skill 136
Conceptual skill 140
Design skill 141
Summary 142
References 143
11 Visits to the premises 145
Introduction 145
The increasing use of visits 145
Reasons for visits 146
The information sought 149
How the information is obtained 150
Summary 160
References 161
12 The changing small business lending role of the banker 162
Introduction 162
Factors shaping change 162
The banks and small business 164
The changing small business lending role of the banker 171
References 173
13 Case studies 175
Commentary on case study 13.1 176
Commentary on case study 13.2 178
Commentary on case study 13.3 181
Commentary on case study 13.4 182
Commentary on case study 13.5 182
Summary and some implications for change 185
14 Policy implications 187
Introduction 187
Policy implications from the macroeconomic perspective 188
Government intervention 189
Policy questions 192
Policy options 196
vui CONTENTS
Conclusions 198
References 199
Appendix A Glossary 202
Appendix B Information categories 205
Appendix C Methodology 208
Methodology Project 1 208
The study participants 211
Methodology Project 2 213
Methodology Project 3 214
Notes 215
References 216
Appendix D Questionnaire 217
Author index 245
Subject index 247
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| id | DE-604.BV010131098 |
| illustrated | Illustrated |
| indexdate | 2024-07-09T17:47:03Z |
| institution | BVB |
| isbn | 0412473100 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-006728509 |
| oclc_num | 27811072 |
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| owner_facet | DE-703 DE-188 |
| physical | X, 249 S. graph. Darst. |
| publishDate | 1993 |
| publishDateSearch | 1993 |
| publishDateSort | 1993 |
| publisher | Chapman & Hall |
| record_format | marc |
| spelling | Bank lending beyond the theory Aidan Berry ... 1. ed. London u.a. Chapman & Hall 1993 X, 249 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Kredietverlening gtt Bank loans Kreditgeschäft (DE-588)4134687-7 gnd rswk-swf Kreditgeschäft (DE-588)4134687-7 s DE-604 Berry, Aidan Sonstige oth HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006728509&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Bank lending beyond the theory Kredietverlening gtt Bank loans Kreditgeschäft (DE-588)4134687-7 gnd |
| subject_GND | (DE-588)4134687-7 |
| title | Bank lending beyond the theory |
| title_auth | Bank lending beyond the theory |
| title_exact_search | Bank lending beyond the theory |
| title_full | Bank lending beyond the theory Aidan Berry ... |
| title_fullStr | Bank lending beyond the theory Aidan Berry ... |
| title_full_unstemmed | Bank lending beyond the theory Aidan Berry ... |
| title_short | Bank lending |
| title_sort | bank lending beyond the theory |
| title_sub | beyond the theory |
| topic | Kredietverlening gtt Bank loans Kreditgeschäft (DE-588)4134687-7 gnd |
| topic_facet | Kredietverlening Bank loans Kreditgeschäft |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006728509&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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