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| RISK PARTICIPATION |
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Premium
Technology's Risk Participation System is an application of the FinShare
Financial Supply Chain Solutions Suite. It manages multi-bank
/multi-country financing transactions and provides services to the
participants, who are banks, financial institutions or investors. By
selling participation, a bank can release some of its' risky assets to
reduce exposure to delinquencies, foreclosures, bankruptcies and
company failures. Participants can generate revenue streams and extend
its' reach to other markets by shouldering all or part of the risks
associated with the aforementioned risk assets.
Key
Features:
- Supports all of FinShare's products
(ex:
receivables
financing,
payables financing, etc.)
- Supports participations bought and
sold
- Supports recourse/non-recourse participation
- Support funded and unfunded
participation
- Supports different models,
Pass-through, etc.
- Parameter driven and multi-dimensional profile
- Flexible interest and fee structure
- Participation percentage and maturity date can be different for each
participant
- Manage and tracks participant's credit exposure, revenue, and income
- Provides reports, audit trails, event tracking, and event notification (ex:
liquidations)
- Generate all related G/L
entries
- Improves bank asset liquidity and Tier 1 capital adequacy ratios
Advantages of the FinShare Solution
- Streamlining the complex loan
process
- Automation of most of the
calculations, reports, notifications, etc
- Effective transaction management
- Visibility and control
Benefits for Lead Bank
- Compliance with bank lending limits
- Reduce the bank's risk exposure attributed to supply chain financing
- Improve the bank's asset liquidity and leverage
- Diversification of investment
portfolio
- Improve risk mitigation strategies
- Get better returns on assets
- Take advantage of interest skim
- Take advantage of service fees
- Exclusive customer relationship
Benefits for Participants
- Create new revenue stream
- Indirectly reaches new market
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