1.

Record Nr.

UNINA9910968058403321

Autore

Fight Andrew

Titolo

Credit risk management / / Andrew Fight

Pubbl/distr/stampa

Oxford, : Elsevier, 2004

ISBN

9786611003166

9781281003164

1281003166

9780080472409

0080472400

Edizione

[1st edition]

Descrizione fisica

1 online resource (265 p.)

Collana

Essential capital markets

Disciplina

332.7

Soggetti

Credit - Management

Risk management

Lingua di pubblicazione

Inglese

Formato

Materiale a stampa

Livello bibliografico

Monografia

Note generali

Description based upon print version of record.

Nota di bibliografia

Includes bibliographical references and index.

Nota di contenuto

Cover; Credit Risk Management; Contents; Foreword; 1 Introduction to credit risk management; What is the role of credit analysis?; Framework for credit analysis; Types of lending; Temporary or seasonal finance; Working investment finance; Cash-flow lending; Types of financial statements; The company annual report; Other types of financial statements; Contents of financial statements; The balance sheet; The P/L statement; Diagram of balance sheet and P/L statement; Statement of sources and applications of funds; Other elements of the annual report; Notes to the financial statements

Auditors' remarks Directors' information; Different presentations of financial statements; Problems with financial statements and auditors; Analytical methodology; Spreading the statements; Sample blank spreadsheet; Analysing the spreadsheets; Using comparative financial ratios; Peer group analysis; Outside information; Information available direct from the borrower; Bank and trade enquiries; Business registry databases; Bureau van Dijk AMADEUS electronic database; Complete AMADEUS spreadsheet (Vodafone); Credit reporting and rating agencies; Industry information; Reference materials

Periodicals Exercises; Questions; Answers; 2 Business risks;



Introduction to business risks; Borrower risk; Transaction risk; The 'new economy'; Introduction to non-financial and transactional risks; Borrower risk; Financial risk; Business risk; PEST analysis; SWOT analysis; Porter's risk assessment matrix; Porter's five competitive forces; Transaction risk; Some questioning techniques; Who, What, Where, When, Why, and How; Nature of the obligor; Example A - Memorandum and Articles of Association; Example B - corporate registration fees; Obligors with unlimited liability; Management

Macro-economic risk areas Understanding the industry; Understanding the markets; Understanding the products; Understanding manufacturing/performance risk; Micro-economic risk areas; Growth; Corporate strategy and plans; Business plan; Management; People; Land and buildings; Plant and machinery; Infrastructure; Exercises; Questions; Answers; 3 Financial risks; Financial statement analysis; Introduction to financial statement analysis; The annual report and accounts; About published accounts; Introduction; The Companies Acts; Filing information with the Registrar of Companies

The statement of accounting policies  Accounting premises; Accounting bases; Accounting policies; Points of interaction between the balance sheet and P/L; Consequences of abnormal accounting policies; The auditor's report; Auditor's rights; Auditor's duties; Auditing Practices Board; Summary; Auditor's opinion; Other opinions; The directors' report; Stock Exchange requirements; Example of a directors' report; The balance sheet; Introduction; Simple balance sheet; Annual report balance sheet; Explanation of balance sheet illustration; Debtors; Companies have different debtor profiles

Trade debtors/turnover

Sommario/riassunto

Credit Risk Management will enable general bankers, staff, and credit analyst trainees to understand the basic information and principles underlying credit risk evaluation, and to use those underlying principles to undertake an analysis of non financial and financial risks when preparing a credit proposal. Since the best loans are the ones that do not present problems during the repayment phase, the authors also focus on elements relating to the proactive management of those loans during their inception.This book introduces:*Credit analysis, approval and management proce



2.

Record Nr.

UNINA9910953850203321

Titolo

Confronting AIDS : update 1988 / / Institute of Medicine, National Academy of Sciences

Pubbl/distr/stampa

Washington, D.C., : National Academy Press, 1988

ISBN

9786610214907

9781280214905

1280214902

9780309535274

0309535271

9780585168364

0585168369

Edizione

[1st ed.]

Descrizione fisica

1 online resource  (x, 239 pages) : illustrations

Disciplina

362.1/9697/9200973

Soggetti

AIDS (Disease) - Prevention - Government policy - United States

AIDS (Disease) - Treatment - Government policy - United States

AIDS (Disease) - Treatment - United States

AIDS (Disease) - Research - United States

AIDS (Disease) - Research - Government policy - United States

AIDS (Disease) - United States - Prevention

Lingua di pubblicazione

Inglese

Formato

Materiale a stampa

Livello bibliografico

Monografia

Note generali

Bibliographic Level Mode of Issuance: Monograph

Nota di bibliografia

Includes bibliographical references and index.

Nota di contenuto

1 Front Matter; 2 Executive Summary; 3 1. Introduction; 4 2. HIV Infection and its Epidemiology; 5 3. Understanding the Course of the Epidemic; 6 4. Altering the Course of the Epidemic; 7 5. Care of Persons Infected With HIV; 8 6. The Biology of HIV and Biomedical Research Needs; 9 7. International Aspects of AIDS and HIV Infection; 10 8. A National Commission on HIV Infection and AIDS; 11 Appendix A: Summary and Recommendations from Confronting AIDS: Directions for Public Health, Health Care, and Research; 12 Appendix B: CDC Classification System for HIV Infections and Revised Case Definition for AIDS; 13 Appendix C: Correspondents; 14 Appendix D: Biographical Notes on Committee Members; 15 Index



Sommario/riassunto

Focuses on the fight against AIDS. This volume also highlights information and events that have given rise to the need for various directions in responding to this disease.