文档介绍：CREDITRISKMANAGEMENT 信贷风险管理1CREDITCULTURE 信贷文化RiskaversegivenBank’shighgearingandthinmargin倾向低风险,akesprimary(orjoint)responsibilityofthecreditdecisions前线部门对贷款决定负主要(或共同)责任BurdenofproofontheLine证明应贷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、anizationandSystem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)O首席信贷官HDCredit信贷部门主管Concurrence认同Approval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/positionanddecisionmakingprocess)个人/委员会(债务组成及决策过程) Factorstoconsider: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()服务的质量(例如:报废项目时间)Others(c.)其他(防范欺诈等)ountCycle 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Keybusinessobjectives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Marketpositioningandriskappetite市场定位和风险偏好  Return回报    mercialBank SubprimeLender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CorporateBanking-Largecorporate-Judgemental(plusRating,KMV,MRA)公司金融-大型公司-主观判断(加评分,KMV,MRA) CommercialBanking–Mediumsizedcorporate–Judgemental公司金融-中型企业-主观判断 Busin