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Quantitative and Qualitative measures of Credit control?
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What are three quantitative measures that can be applied to the collection policy of the firm?
a. Average collection period = Accounts receivable/Average daily credit sales An increase in the average collection period may be the result of a predetermined plan to expand credit terms or the consequence of poor credit administration. b. Ratio of bad debts to credit sales. An increasing ratio may indicate too many weak accounts or an aggressive market expansion policy. c. Aging of accounts receivable. Aging of accounts receivable is one way of finding out if customers are paying their bills within the time prescribed in the credit terms. If there is a buildup in receivables beyond normal credit terms, cash inflows will suffer and more stringent credit terms and collection procedures may have to be implemented.
What does a credit derivative refer to?
A credit derivative is a financial instrument which separates and transfers some of the credit risk of a loan. Some examples of credit derivatives are credit linked notes or credit default swaps.
Which parts of a credit history are most important for the calculation of credit score?
There are many aspects of your credit history that affect your credit score. 35% - Your Payment History - Credit cards, Telephone bills and other utility bills 30% - Amounts You Owe - Outstanding credit amounts in loans and credit cards 15% - Length of Your Credit History 10% - Types of Credit Used 10% - New Credit
How is your credit score computed?
Credit scores are personal information. If you can tell me how your credit score is computed then I will tell you how my credit score is computed. Okay?
Quantitative and Qualitative measures of Credit control?
this the reason no one ans that one
What are the differences between quantitative and qualitative credit control measures in banks?
The main difference between the general and selective credit control methods is that the former influence the cost and overall volume of credit granted by banks. They affect credit related to the whole economy whereas the selective controls affect the flow of credit to only specified sector of the economy, wherein speculative tendency and rising trend of prices, due to excessive bank credit, is noticed.
How does monetary policy control the money supply?
through quantitative measures like CRR , Bank Rate Policy and Open Market Operations and Qualitative measures like Moral Suasion, Marginal Safety Requirements, Rationing Credit etc
What is credit authorization scheme?
Involves qualitative control of Reserve Bank of India-in 1965. Its not at present.
An instrument of qualitative credit control of India is?
Mainly there are three qualitative instruments:1. Open market operations2. Bank rate3. Cash reserve ratio
What is the internal control procedure for the credit sales?
Usually, the internal control procedure for credit sales is a credit check by the seller. Other methods used for control include an aging of accounts receivable. Returning customers are judged on their ability to pay by how fast they paid in previous transactions.
What are the methods of credit control?
1.bank rate policy 2.open market operation 3.change in reserve ratio 4.change in margin requirement 5.moral suasion 6.selective credit control
Is education quantitative or qualitative in statistics?
Education is an extremely broad concept. It could include everything from all the study needed to earn a PhD, being street-smart in cities like New York or London, or life skills credit being applied to an academic degree program. What matters is your operational definition of education, what the questions are that you are asking, and what kinds of answers you want your study to provide.If you are interested in most academic uses of the word education, then in all likelihood you will be looking more at quantitative data. But then again, if you are focusing on subjective opinions of education, there could be a qualitative piece.
Describe the fiscal policy tools available for government intervention in the American economy?
There are two tools of monetary policy.These are qualitative credit control and quantitative control. The1st control is measure of influence the allocation of credit.The 2nd is control in which supply of money is cotrolled quantitativly.
Explain Credit control by RBI on commercial bank?
Credit Control of RBI(briefly) Need: 1.To encourage the priority sectors for overall growth 2.Fecilitate the flow of adequate volume of bank credit to its industry, Agriculture and trade 3.To keep Inflation pressure under check 4.To ensure that Credit is not diverted to undesirable purposes 5.To fecilitate the Development of Indian economic growth Types of credit control : 1)Quantitative Method 1.Bank rate policy: by controlling the ways and means advances to the govt. 2.Open Market operation: by controling Short term liquidity in the market. 3.variation of cash reserve ratio: by increasing or reducing CRR or SLR. 4.fixation of lending rate: control by Increasing or reducing the rate of primary or secondary lending rates 5.Credit sequeenze: by controlling the amount of bank credit at a certain limit and fixing maximum limit for commercial borrowings. 2)Qualitative Method 1.Fixation of Margin Requirement 2.Regulation of consumer credit 3.Rationing of credit 4.Prior authorisation of schemes 5.Moral sausion 6.Direct Action
Selective credit control?
pappu can't dance sala.............. is selective credit control.
Details about credit rating?
A credit rating evaluates the credit worthiness of an issuer of specific types of debt, specifically, debt issued by a business enterprise such as a corporation or a government. It is an evaluation made by credit rating agency of the debt issuers likelihood of default Credit ratings are determined by credit ratings agencies. The credit rating represents the credit rating agency's evaluation of qualitative and quantitative information for a company or government; including non-public information obtained by the credit rating agencies analysts. Credit ratings are not based on mathematical formulas. Instead, credit rating agencies use their judgment and experience in determining what public and private information should be considered in giving a rating to a particular company or government. The credit rating is used by individuals and entities that purchase the bonds issued by companies and governments to determine the likelihood that the government will pay its bond obligations.
