Credit Appraisal Essay

22771 Words Mar 23rd, 2015 92 Pages
CREDIT APPRAISL ON “SMALL & MEDIUM ENTERPRISES”

Naresh Bollam
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Project submitted in partial fulfilment for the award of the Degree of
Post Graduate Diploma in Management

By
Institute of Public Enterprise
Osmania University Campus
Hyderabad

RESEARCH METHODOLOGY

Introduction to Credit Appraisal:
Credit appraisal means an investigation/assessment done by the bank prior before providing any loans & advances/project finance & also checks the commercial, financial & technical viability of the project proposed its funding pattern & further checks the primary & collateral security cover available for recovery of such funds.
Problem Statement: To study the
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Management student:
The project will help the management student to know the patterns of credit appraisal in Corporation bank.

Corporation Bank:
The project will help bank in reducing the credit risk parameters and to improve its efficiencies. It will also help to reduce risk associated in providing any loans & advances or project finance in future and to overcome the loopholes.

Short write-up on the researcher and reason for taking up the project: * The researcher is a PGDM student, studying in INSTITUTE OF PUBLIC ENTERPRISE (IPE), HYDERABAD. * The reason for taking up the project is to know and understand the credit appraisal system in banking sector. * Credit appraisal is the major focus of banking industries these days, so the project will help in understanding and analyzing the situation prevailing currently.

Limitations of the study: * As the credit rating is one of the crucial areas for any bank, some of the technicalities are not revealed which may have cause destruction to the information and our exploration of the problem. * As some of the information is not revealed, whatever suggestions generated, are based on certain assumptions. * Credit appraisal system includes various types of detail studies for different areas of analysis, but due to time constraint, our analysis was of limited areas only.

CHAPTER-1
INTRODUCTION TO BANKING SECTOR AND CORPORATION

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