Creditul pentru nevoi personale si procesarea acestuia la BRD

                                   CUPRINS
|INTRODUCERE                                                     |  1|
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|1.|NOŢIUNEA DE CREDIT                                           |  3|
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|  |1.1.|Natura creditului                                       |  3|
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|  |1.2.|Clasificarea creditului                                 |  5|
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|  |1.3.|Creditul bancar                                         |  7|
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|2.|RISCURI BANCARE                                              |12 |
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|3.|PREZENTAREA BĂNCII BRD – GROUPE SOCIÉTÉ GÉNÉRALE ........... |15 |
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|  |3.1.|Istoric BRD – Groupe Société Générale                   |15 |
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|  |3.2.|Structura acţionariatului                               |15 |
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|  |3.3.|Statutul şi obiectivele băncii                          |16 |
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|  |3.4.|Structura organizatorică a băncii                       |17 |
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|4.|PRODUSE ŞI SERVICII OFERITE DE BRD                           |21 |
|  |– GROUPE SOCIÉTÉ GÉNÉRALE                                    |   |
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|  |4.1.|Produse şi servicii oferite persoanelor fizice          |21 |
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|  |4.2.|Produse şi servicii oferite persoanelor juridice        |23 |
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|  |4.3.|Alte produse oferite la BRD – Groupe Société Générale   |24 |
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|  |4.4.|Produse de creditare oferite persoanelor fizice         |27 |
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|  |4.5.|Produse de creditare oferite persoanelor fizice         |30 |
|  |    |autorizate .......................                      |   |
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|  |4.6.|Produse de creditare oferite persoanelor juridice       |32 |
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|5.|CREDITUL PENTRU NEVOI PERSONALE LA BRD                       |34 |
|  |– GROUPE SOCIÉTÉ GÉNÉRALE                                    |   |
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|  |5.1.|Creditul pentru nevoi personale                         |34 |
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|  |5.2.|Aspecte privind creditul pentru nevoi personale         |34 |
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|  |5.3.|Analiza operaţiei de creditare                          |36 |
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|6.|STUDIU DE CAZ                                                |42 |
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|  |6.1.|Etapele analizei şi aprobării unui credit pentru nevoi  |42 |
|  |    |personale ............                                  |   |
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|  |6.2.|Prezentarea creditului pentru nevoi personale EXPRESSO  |44 |
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|CONCLUZII ŞI PROPUNERI                                          |47 |
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|  |Concluzii                                                    |47 |
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|  |Propuneri                                                    |48 |
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|ANEXE                                                           |49 |
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|  |Anexa 1 –  Cereare de creditare                              |49 |
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|  |Anexa 2 – Adeverinţa de venit                                |56 |
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|  |Anexa 3 – Credite de comsum                                  |58 |
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|BIBLIOGRAFIE                                                    |60 |
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