Credit management has always been one of the principal sources of income for commercial banks. Therefore, strategic credit management is vital to cash flow as it helps in minimizing the likelihood of bad debts.
The present text, supported with flow diagrams, data and bank formats, wherever necessary, explains the legal requirements for disbursements and controlling of different types of credit. It also guides readers on step-by-step procedures of bank credit to enable them to form a clear understanding.
Besides dealing with the theory and conceptual terms, the book incorporates the latest developments in the field of bank credit. It imparts knowledge of appraisal system of credit applications/proposals and their post-sanction monitoring, credit policy, types of loans and advance facilities granted by banks in India, and analysis of borrowers with particular reference to their legal capacity. It helps in developing skills for identifying, measuring and mitigating risks associated with lending.
The book gives various regulatory guidelines pertaining to real estate financing and includes separate chapters devoted to agriculture finance, lending to small-, medium- and large-scale industry, and import and export financing.
The book is aimed at postgraduate students of management and commerce. The text will also be of great value to practising credit managers, finance managers and accountants.
G.S. POPLI, Ph.D., is Director and Professor of Banking and Insurance, Delhi School of Professional Studies and Research, Delhi. He has served at Oriental Bank of Commerce for more than three decades as "Financial Analyst" before joining Academics. Dr. Popli is a CeBA and Certified Associate of Indian Institute of Bankers (CAIIB) qualified professional.
Professor Popli specialises in Banking, Finance and Insurance. He was conferred "Delhi Udyog Rattan" Award by the then Industry Minister of National Capital Region of Delhi in 2008 for his contribution in the area of SME Financing in India. He has more than 60 research papers to his credit, which have been published/presented at various international and national journal/seminars and conferences. He is also a regular visiting professor to many Staff Training Colleges of Banks and some premier management institutes of Delhi and NCR. Besides the present text, he has authored three books including Strategic Credit Management in Banks and Principles and Systems of Banking, published by PHI Learning.
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S.K. Puri was Assistant General Manager at Oriental Bank of Commerce, Regional Office, Mumbai (South). He is a CAIIB qualified professional having more than three decades of experience in the banking sector. Mr. Puri has a rich working experience in bank loans and advances department. He has also served as senior faculty at Staff Training College of banks.
