文档介绍：CREDIT RISK MANAGEMENT 信贷风险管理
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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 assets
多用于担保产品,例如:住房贷款、汽车贷款、租赁及用流动资产担保的贷款
Security coverage 抵押品/贷款比例
e coverage 收入/还款比例
 湖北驾校一点通 ei/ 驾校一点通365网
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DEBT RECOVERY (4) 贷款收回(4)
Human Resources
人力资源
-     specialized skills – understanding of legal system, able to face and handle confrontation, negotiation, leadership, decision-making
- 专业技能- 了解法律体系,能够应对挑战及对立局面,具备谈判技巧、领导才能和决策的能力
-        built on solid credit background
- 具备良好的授信/信贷知识及经验
-        flat reporting structure
- 扁平的组织架构
-        support from senior management
- 高层管理的支持
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