Legal Aspects of Credit and Finance

Course details

During this course, participants will learn the legal framework for credit and finance in Egypt, it will improve their capacity to make credit-related decisions, and expand their understanding of new banking issues and mechanisms.

Course Objectives:

• Explain the main legal instruments relevant to credit and finance.
• Discuss the bank-client relationship.
• Describe the legal procedures for establishing and preserving the rights of the bank.
• Discuss the legal framework for debit and credit cards.

Course Outline:

Module 1: Definitions of Legal Aspects of Credit and Finance

• Legal aspects of credit and finance regulations
• Legal instruments governing credit and finance
• The legal framework for banks and their rights
• Legal aspects of the loan agreement, the credit facility and credit guarantees
• The legal status of the customer
• Credit investigation
• Legislative constraints and the rules that govern the credit decision
• Balance between credit and guarantees
• Credit agreements
• Guarantees and documents

Module 2: Credit Facilities and Loan Regulations

Module 3: Rights and Duties of the Bank and Bank Staff

• Legal procedures to establish and preserve the rights of the bank
• Limits and responsibilities of bank staff
• Real estate mortgages

Module 4: Electronic Credit and Finance

• Credit card issues
• Electronic banking issues

Assessment Strategy:

Participants will be informally assessed on their interaction during sessions and their participation in exercises