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3MARKETSEGMENTATION–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 BusinessBanking–Smallbusiness–Scoring商务理财-小型企业-评分湖南驾校一点通an/monlyforsecuredproducts,,carloans,HPandloanssecuredbyliquidassets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Sec