Explain how a bank should handle a seasonal agricultural borrower in a hypothetical credit assessment.
काल्पनिक कर्जा मूल्याङ्कनमा मौसमी कृषि ऋणीको आम्दानीलाई बैंकले कसरी विश्लेषण गर्नुपर्छ?
Answer outline / उत्तरको रूपरेखा
Suggested approach: Identify the production and sales cycle before proposing repayment dates. Estimate cash inflows, operating costs and household withdrawals using evidence. Test a weaker harvest or delayed sales scenario. Consider repayment capacity, suitable purpose, relevant security and the bank’s applicable credit policy. Plan monitoring around production milestones and cash collection.
Example: income received mainly after harvest may make an identical monthly instalment unsuitable unless there are other reliable monthly inflows. Explain the mismatch and suggest assessing a repayment structure aligned with verified cash flow, subject to policy and approval. Collateral alone does not demonstrate an ability to repay. This is an educational case, not a loan approval recommendation.
उत्पादन र बिक्रीको समयचक्र पहिचान गर्नुहोस्। प्रमाणका आधारमा नगद प्राप्ति, सञ्चालन खर्च र घरायसी निकासी अनुमान गर्नुहोस्। उत्पादन घट्दा वा बिक्री ढिलो हुँदा तिर्न सक्ने क्षमता परीक्षण गर्नुहोस्। कर्जाको उद्देश्य, क्षमता, सुरक्षण र लागू बैंक नीतिअनुसार मूल्याङ्कन गर्नुहोस्। उत्पादन तथा रकम प्राप्तिका चरणमा अनुगमन योजना बनाउनुहोस्। आम्दानी मुख्यतः बाली बिक्रीपछि आउने अवस्थामा अन्य नियमित आय नभए समान मासिक किस्ता नमिल्न सक्छ। नगद प्रवाहअनुकूल संरचना नीतिगत स्वीकृतिअनुसार परीक्षण गर्नुपर्छ। धितो मात्रले भुक्तानी क्षमता प्रमाणित गर्दैन।
ADBL Level 4 Paper II: commercial bank management, lending principles and credit cycle
Checked: 2026-11-01 · Review due: 2026-12-01
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