Loan

between 2 and 10 Euros depending on the type and size. The SWOT analysis: V/ Financial plan: The opening: To finance my activity, I decided to contract a loan of 10,000 Euros and a personal contribution of 1,000 Euros. To estimate my financial charges, I made a loan simulation on internet. The result was that if I contract a loan of 10,000 Euros on 3 years, my interest rate will be 4%. This permitted me to fill this table: Borrowing Interest rate Borrowing duration (year) 10 000,00 €

| |an overdraft |un découvert | |to grant a loan |accorder un prêt | |a loan |un prêt / un emprunt | |to lend

For example some assets will be depreciated a lot faster than others, like motor vehicles compared to buildings. So only the amount of fixed assets owned is not sufficient to have a clear idea. We could also take the example of guarantee for bank loan. Banks guarantee their loans by evaluating the assets of the company, so if the company does not pay them back they will sold the assets of the company. But all fixed assets do not provide the same guarantee: for example the same amount of building

States, these credits are given to borrowers (emprunteurs) who do not qualify for market interest rates (taux) because of problems with their credit history or the inability to prove that they have enough income to support the monthly payment on the loan for which they are applying. The interests rates (taux d'intéret) are increased, because of the risks of the borrowers and their credit history. The repayment (remboursement) of the real estate (immobilier) borrow (emprunt) was limited by the interests

Anually : | Annuellement | 40% extra : | 40% en plus | It's such a waste ! : | C'est un tel gaspi ! | First (of all) : | (tout) d'abord, en premier | Secondly : | Secundo, en second lieu | So, now : | Alors maintenant | UNIT 4 A loan : | Un prêt banquaire | Book-keeping : | La tenue des livres, la comptabilité | Your personal details : | Vos coordonnées | A workman : | Un ouvrier | An overdraft : | un (une autorisation de) découvert | The balance : | Le solde, ce qui

reasons for the decline in bank lending), however companies were strongly affected by this crisis. We can notice that in this period of the end of recession, companies try to improve their results. However some obstacles face them, such as bank loan. Indeed, lending to smaller and medium-sized enterprises remains constrained (FT, 27.10.09, p.4: Bank’s business loans scheme falters). According to observers, there is no doubt that lending terms have got tougher (FT, 23.10.09, p.3: Caution reigns

(securities) sont adossés (backed) à des actifs (asset). Selon ce qu’on met dans les véhicules de titrisation, ils s’appellent CDO (Collateralised Debt Obligation), CBO (Collateralised Bond Obligation, adossé à des obligations), CLO (Collareralised Loan Obligation, adossé à des crédits à des entreprises)… Mais tout est « titrisable » : les crédits classiques, les créances commerciales, les loyers d’actifs mobiliers ou immobiliers, les royalties, à peu près tout actif ou droit dont on peut raisonnablement

1992 à 1997. Les banques accumulent les crédits défectueux. L'administration refuse des fermetures de banques qui feront faillite deux ans plus tard dans des conditions plus coûteuses. En 1999, le système financier explose : Nippon Housing Loan et avec elle toutes les sociétés de crédit à l'immobilier (appelées jusen en japonais) font faillite, et les individus payant des impôts au japon sont mis pour la première fois à contribution à hauteur de 6 milliards de dollars pour financer leur ruine

market development, corporation can raise capital easier for their business and by the way the stress on Vietnam credit market can be avoided. In common, if borrowing from banks, companies have to pay the interest of 11-15% with the more than 1 year loan while they can issue bonds and only have to pay 10.5% per year with 5-year coupon bond. Furthermore, the interest for bond holder each year is counted as corporations’ expenditure (within tax) then reduces the stress on corporations in expenditures

Fast N 1656 Worker Fast N 0 Unemployed Slow Subdivision aléatoire Échantillon d’apprentissage Utilisé pour la construction du modèle 70% Échantillon test Utilisé pour l’évaluation du modèle 30%  Rappel, précision, taux d’erreur… (exercice : fichier LOAN – Success vs. Housing & Refunding)…http://tutoriels-data-mining.blogspot.fr/Ricco Rakotomalala Tutoriels Tanagra - http://tutoriels-data-mining.blogspot.fr/ 13 Bibliographique : compréhension des méthodes supervisées • « Analyse discriminante –