文档介绍：CREDIT RISK MANAGEMENT 信贷风险管理
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CREDIT CULTURE 信贷文化
Risk averse given Bank’s high gearing and thin margin
倾向低风险,由于银行高负债和低利息差
Proper goals and measures with controls
适当的目标和措施及控制
The Line takes primary (or joint) responsibility of the credit decisions
前线部门对贷款决定负主要(或共同)责任
Burden of proof on the Line
证明应贷款责任在于前线部门
Never feel embarrassed to ask “dumb” questions
不用担心问“愚笨”的问题
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CREDIT RISK MANAGEMENT 信贷风险管理
Prerequisite:先决条件
Senior management’s support (positive intervention?)
高层管理的支持(积极干预?)
People (technical capability, integrity and inter-personal skills)
人员(技术能力、人格和人际交往能力)
Organization and System
组织及系统
 
Attribute:特征
Independent 独立性
No bottom-line responsibility 没有盈利责任
Professional 专业性
Firm and fair 坚定和公正
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MARKET SEGMENTATION – CREDIT TOOLS 市场细分—信贷工具
Corporate Banking - Large corporate - Judgemental (plus Rating, KMV, MRA)
公司金融-大型公司-主观判断(加评分,KMV, MRA)
 
Commercial Banking – Medium sized corporate – Judgemental 公司金融-中型企业-主观判断
 
Business Banking – Small business – Scoring
商务理财-小型企业-评分
湖南驾校一点通 an/ 驾校一点通365网
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Consumer 消费贷款
Criteria Based Lending 根据准则所进行的信贷
monly for secured products, . mortgage, car loans, HP and loans secured by liquid as