信贷文化及信贷风险管理.ppt

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1、CREDITRISKMANAGEMENT信贷风险管理1CREDITCULTURE信贷文化RiskaversegivenBank’shighgearingandthinmargin倾向低风险，由于银行高负债和低利息差Propergoalsandmeasureswithcontrols适当的目标和措施及控制TheLinetakesprimary(orjoint)responsibilityofthecreditdecisions前线部门对贷款决定负主要（或共同）责任BurdenofproofontheLine证明应贷

2、款责任在于前线部门Neverfeelembarrassedtoask“dumb”questions不用担心问“愚笨”的问题2CREDITRISKMANAGEMENT信贷风险管理Prerequisite:先决条件Seniormanagement’ssupport(positiveintervention?)高层管理的支持（积极干预？）People(technicalcapability,integrityandinter-personalskills)人员（技术能力、人格和人际交往能力）Organizationan

3、dSystem组织及系统Attribute:特征Independent独立性Nobottom-lineresponsibility没有盈利责任Professional专业性Firmandfair坚定和公正3STRUCTUREANDAPPROVALPROCESS结构和认证程序BoardofDirectors董事会行政总裁（总部）GHQCEOAPHCEO行政总裁（亚太区）AMHGM总经理（香港及中国大陆）Line前线部门信贷总经理GMCreditCCO首席信贷官HDCredit信贷部门主管Concurrence认同A

4、pproval审批Approval审批Approval审批CountryRisk/BankRisk国家风险/银行风险MarketRisk/CreditRisk市场风险/信用风险MarketRisk/CreditRisk市场风险/信用风险Credit信用4ALTERNATIVES选择CentralizedvsDecentralized集权/分权IndividualvsCommittee(compositionanddecisionmakingprocess)个人/委员会（债务组成及决策过程）Factorstocon

5、sider:需要考虑的因素Individual/CollectiveDecision/Responsibility个人/集体决策/责任Seniormanagement’strust高层管理的信任Qualityofstaff(atcentreandintheline)员工的素质（管理人员和一线职员）Specializationofstaff员工专业化Effectivenessofinternalcontrolsystem内部控制系统的功效Qualityofservice(e.g.turnaroundtime)服务的

6、质量（例如：报废项目时间）Others(fraudpreventionetc.)其他（防范欺诈等）5StructureandAccountCycle结构及客户信贷周期Policy/政策Approval审批RiskMonitoring风险监督Recovery追偿HeadofCRM信贷风险管理部Loans贷款Unhealthyloans不良贷款Review回顾Review回顾6CreditPolicy,GuidelinesandProceduresManual信贷政策，指南及程序手册Keybusinessobject

7、ives主要业务目标StructureandResponsibility结构及职责EconomicOutlook经济预期SectoralAnalysis行业分析BusinessStrategyandFocus业务战略和重点RiskAssessmentandCreditAppetite风险评估和信贷偏好LendingGuidelines贷款指南CreditProducts,ProceduresandAdvice信贷产品、程序和建议7CREDITPOLICY信贷政策Marketpositioningandriskap

8、petite市场定位和风险偏好Return回报PrivateBankCommercialBankSubprimeLender私人银行商业银行次级贷款人-Largecorporate大型企业-Middlemarket中端市场-Smallbusiness小型企业-Consumer消费者Risk风险8MARKETSEGMENTATION–CREDITTOOLS市场细分—信贷工具