That is the function of "hedging" activities through identifying and assessing customers are businesses. Bank customers learn to accurately determine repayment willingness and ability to repay customers, which influenced the decision to borrow or not to borrow.
1.2.8.2. Credit appraisal enabling enterprises to access loans, and increase profitability for banks
Currently, the problem of lack of investment capital is very popular in enterprises, especially small- and medium enterprises small, or the newly formed enterprise, conditions of production and business development is limited, a small market share. With limited funds, to invest in manufacturing business is a difficult problem for these firms. Therefore, credit appraisal will help businesses identify their investment projects launched are really affordable and highly effective as expected or not, at the same time have the opportunity to receive the amounts financial support from the Bank's business plan if it is feasible.
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