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system allowing banks to diversify their loan portfolios via exchanging loans
system allowing banks to diversify their loan portfolios via exchanging loans
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机译：该系统允许银行通过交换贷款来分散其贷款组合
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摘要
A method of measuring concentration capital in a bank's loan portfolio and facilitating exchanging of loans, is described. Banks exchange their loans with each other in order to reduce their portfolio's concentration capital and keep within their lending limits. The banks exchange loans in their portfolio using Web pages over the internet or via spreadsheets. The present invention also allows a bank to originate a loan with another bank, thereby avoiding concentration capital and breaching credit limits The present invention also facilitates the securitization of loans from their portfolio into vehicles that include Collateralized Debt Obligations, thereby again reducing concentration capital and adhering to credit limits. By exchanging loans, the diversification of the bank's portfolios protects the bank from the chance of a large financial “systemic event”, industry category, or group of borrowers, to which the bank would currently be exposed. It also reduces the concentration capital needed.
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机译： 具有附加功能的在线房屋贷款比较计算器，允许用户确定将太阳能光伏系统的成本增加到原始房屋贷款金额中的净效果。 Solar Home Loan Calculator允许用户将2种不同的贷款金额与2种不同或相等的利率进行比较，以贷款支付的形式显示净损失或收益。该计算器还允许用户以美元为单位输入由太阳能光伏系统产生的节电，作为额外的贷款还款，说明整体房屋贷款应付利息，贷款期限和LVR减少。
