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Ease loan guarantees economy move
2/23/2015 0:00
BAGHDAD
The launch of loans and advances of the basics of the work of banks that are looking always, in contrast, for the confidence of borrowers what makes it demanding high guarantees in turn leads to the reluctance of citizens to borrow them Maineks final nutshell on the local economy and the movement of money in general.
The adoption calculated risk on the subject of lending citizens system to achieve the feasibility of loans in the implementation of their projects, at a time when longer guarantees are required, along with a relationship to help these banks to recover their money, who offers real estate collateral and refrain from paying Mapzmth of the loan amount points of cooperation.
He sees the academic Essam Al Bashir that the citizen get a loan from banks, whether governmental or civil, is a very complicated while the banks in the countries of the world granted loans guarantees diluted what makes getting money easier but paid be harder because of interest in addition to being the last for several years.
He said in a statement "morning" that the difficulty of the citizen's access to credit caused economic problems are affected by the banks, because the basis of their work is the granting of advances and loans, credit and other banking business, which causes the accumulation of surpluses and financial generates high liquidity in banks amounted to about 50 percent of its capital, which calls for a move in the markets for investment and revitalization economic movement to serve the banks and the citizen.
He stressed the importance of the adoption of the banks (calculated risk) in launching the loan, adding, but the debate between those concerned, revolves around whether the risk ratio is a calculated risk or is it a financial risk Vqt.ofatt that the banks are working to achieve three targets a profit through interest, and liquidity by increasing deposits, and safety through their lending guarantees, and this is what distinguishes her work from other departments and agencies Alakhary.mn her part, economic researcher state fair: that the safeguards that are currently required by banks very difficult for some people which they perceive as difficult to get a sponsor, even if a student amount as a condition of bail., also provide ownership of a property bond worth 200 million dinars collateral for the loan is exaggerated as what its value against the loan for citizen ten million dinars.
She said in a statement the "morning" he Despite the benefits and short repayment period not exceeding 3 years with private banks, but this is to be reviewed for the purpose of exploiting the financial surpluses has invested in housing projects or investing in loans for small and medium projects for citizens.
It confirmed that adjustment lending conditions is an important part of the work banks, as required by the current stage and brought by the government program, as it's so profitable and move the economy towards the development process.
In turn, the banking consultant Essam Mahouelle: that private banks entrusted with depositors' money can not be tapped only in the right direction, pointing out that the issue of loans and advances respect to the trust, which is the basis of the work of banks base "know your customer." He continued that the guarantee demanded by the bank is determined by the amount the borrower size, pointing out if the amount is less than 10 million dinars is up demand borrower Bkivalan staff on permanent staffing in official circles and higher than it.
There are guarantees demanded by banks as shares or real estate companies and other guarantee the restoration of the amounts borrowed.
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2/23/2015 0:00
BAGHDAD
The launch of loans and advances of the basics of the work of banks that are looking always, in contrast, for the confidence of borrowers what makes it demanding high guarantees in turn leads to the reluctance of citizens to borrow them Maineks final nutshell on the local economy and the movement of money in general.
The adoption calculated risk on the subject of lending citizens system to achieve the feasibility of loans in the implementation of their projects, at a time when longer guarantees are required, along with a relationship to help these banks to recover their money, who offers real estate collateral and refrain from paying Mapzmth of the loan amount points of cooperation.
He sees the academic Essam Al Bashir that the citizen get a loan from banks, whether governmental or civil, is a very complicated while the banks in the countries of the world granted loans guarantees diluted what makes getting money easier but paid be harder because of interest in addition to being the last for several years.
He said in a statement "morning" that the difficulty of the citizen's access to credit caused economic problems are affected by the banks, because the basis of their work is the granting of advances and loans, credit and other banking business, which causes the accumulation of surpluses and financial generates high liquidity in banks amounted to about 50 percent of its capital, which calls for a move in the markets for investment and revitalization economic movement to serve the banks and the citizen.
He stressed the importance of the adoption of the banks (calculated risk) in launching the loan, adding, but the debate between those concerned, revolves around whether the risk ratio is a calculated risk or is it a financial risk Vqt.ofatt that the banks are working to achieve three targets a profit through interest, and liquidity by increasing deposits, and safety through their lending guarantees, and this is what distinguishes her work from other departments and agencies Alakhary.mn her part, economic researcher state fair: that the safeguards that are currently required by banks very difficult for some people which they perceive as difficult to get a sponsor, even if a student amount as a condition of bail., also provide ownership of a property bond worth 200 million dinars collateral for the loan is exaggerated as what its value against the loan for citizen ten million dinars.
She said in a statement the "morning" he Despite the benefits and short repayment period not exceeding 3 years with private banks, but this is to be reviewed for the purpose of exploiting the financial surpluses has invested in housing projects or investing in loans for small and medium projects for citizens.
It confirmed that adjustment lending conditions is an important part of the work banks, as required by the current stage and brought by the government program, as it's so profitable and move the economy towards the development process.
In turn, the banking consultant Essam Mahouelle: that private banks entrusted with depositors' money can not be tapped only in the right direction, pointing out that the issue of loans and advances respect to the trust, which is the basis of the work of banks base "know your customer." He continued that the guarantee demanded by the bank is determined by the amount the borrower size, pointing out if the amount is less than 10 million dinars is up demand borrower Bkivalan staff on permanent staffing in official circles and higher than it.
There are guarantees demanded by banks as shares or real estate companies and other guarantee the restoration of the amounts borrowed.
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