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BX3135 - Credit and Lending Decisions
Credit points: |
3 |
Year: |
2021 |
Student Contribution Band: |
Band
4 |
Administered by: |
College of Business, Law & Governance |
In this subject students will address concerns regarding how banks process credit
and lending decisions. Topics include the basic building blocks of lending, examining
the role of the intermediary and how banks overcome information Asymmetry - through
transaction and relationship lending. It emphasises financial statement analysis of
borrowers, both business and personal. The credit evaluation process is discussed
and the credit scoring system explained. The different lending products of a bank
and the purpose of each lending product are examined. Lending to small and medium
sized enterprises (SMEs) as a driver of sustainable economic growth in the Asian Pacific
region is highlighted.
Learning Outcomes
- assess how banks make credit and lending decisions, including critical analysis of
financial statements and the operation of credit scoring systems;
- appraise the influence of interest rates on economic growth and how monetary policy
can influence bank lending;
- synthesise the macroeconomic role of lending to small and medium sized enterprises
(SMEs) and economic development;
- develop a SME loan proposal;
- evaluate the differences between business lending and personal lending practices.
Subject Assessment
- Written > Examination (centrally administered) - (50%) - Individual
- Individual Report - (20%) - Individual
- Written > Case report 1 - (30%) - Group.
Prerequisites: |
BU1002 OR BU1902 AND BU1003 OR BU1903 |
Availabilities
|
JCU Singapore,
Study Period 52,
Internal
|
Census Date 05-Aug-2021 |
Coordinator: |
Dr TY Thong |
Lecturers:
|
Mr Dasgupta Ranjan, Mr Thierry Mezeret. |
Workload expectations: |
The student workload for this
3
credit point subject is approximately
130 hours.
- 38 hours - Combined Lectures; Tutorials/Workshops; Lecturer directed activities.
- assessment and self-directed study
|
|
|
Trimester 2,
External
|
Census Date 24-Jun-2021 |
Coord/Lect: |
Assoc. Professor Monica Jurin. |
Workload expectations: |
The student workload for this
3
credit point subject is approximately
130 hours.
- 0 hours
- assessment and self-directed study
|
Method of Delivery: |
WWW - LearnJCU |
|
|
Note:
Minor variations might occur due to the continuous Subject quality improvement process,
and in case
of minor variation(s) in assessment details, the Subject Outline represents the latest
official information.