Ran

2016-07-04 11:23:57   0  举报

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Ran，一个充满活力和热情的名字，代表着速度与力量。它象征着一个人勇往直前、不断追求进步的精神。Ran可能是一个年轻人，他充满了对未来的憧憬和期待，勇敢地面对生活中的挑战。他也可能是一个中年人，经历了风风雨雨，但依然保持着对生活的热爱和激情。无论是哪种情况，Ran都是一个值得尊敬和学习的人。他的故事激励着我们不断前进，追求更高的目标。让我们一起为Ran加油，祝愿他在未来的道路上越走越远！

作者其他创作

大纲/内容

Yes

No POCI

POCI

Fully Collateralized** at Inception or not?

Modification Disclosure

POCI* Test

POCI* :Fully Collateralized** :POCI Criteria*** :

NOTES

(PV before- PV after)/PV before =10% or not?

Start

include the following:-\tCancellation of credit line? -\tFraud? -\tBankruptcy? -\tFull write-off? -\tHostile Termination? -\tDays Past Due 90/ Partial Write-Off/ Substantial modification leading to derecognition/ Problem Credit List /Watch List -Considering with other criteria

Significantly Modified ?

means that the market value of the collateral is equal or larger than the financed amount.For example: A new contract with financed amount of 100 is granted to a customer and the market value of the vehicle at inception is 120. Therefore this loan is fully collateralized.

Are POCI criteria*** fullfilled?

Restructured Contract