抵押品評估和信用風險管理(ppt 45頁)

抵押品評估和信用風險管理目錄：
1. Why is Collateral Evaluation Important? 為什麼抵押品評估重要
2. Types of Collateral and Regulatory Pitfalls 抵押品種類和法規缺陷
3. Evaluation of Collateral (Real Estate) 抵押品評估（房產）
4. Evaluation of Collateral (Other Assets) 抵押品評估（其他資產）
5. Protection of Collateral 抵押品保護
Creation of Security Interest 擔保利益的創立
Perfection of Security Interest 擔保利益的完善
6. Collateral Management 抵押品管理
Collateral Management for Credit Risk Management 信用風險管理中的抵押品管理
Safeguarding the Enforcement 維護強製執行
7. Enforcement of Collateral 抵押品的強製執行
8. Extinguishing Security Interest in Collateral 抵押品利益的終止

抵押品評估和信用風險管理內容提要：
Lender 出借方(specifically)
Encourage willingness of payment to reduce PL.鼓勵出借方進行借款降低損失
Substitute the repayments to reduce LGD.代替還款降低違約損失率
Protects against borrower’s over-borrowing.保護出借方不至於過度借債
Borrower 借用方(specifically)
Access to credit: let borrowers monetize their illiquid assets to raise funds獲得融資：借用方可以抵押他們的非現金資產來獲取資金
Cost of Credit: potentially reduce funding costs for the lower EL calculated by the lender融資成本：潛在的降低了融資成本，因為出借方計算出的預計損失較低
Overcoming asymmetric information problems: access to funds even in a financially difficult time, or even without audited financial reports解決了信息不對稱問題：即是財務困難時期，或者沒有審計後的財務報表，也可以獲得融資

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