文档介绍：CREDITRISKMANAGEMENT 信贷风险管理1MARKETSEGMENTATION–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Securitycoverage抵押品/ecoverage收入/还款比例 湖北驾校一点通ei/驾校一点通365网3DEBTRECOVERY(4) 贷款收回(4)HumanResources人力资源-    specializedskills–understandingoflegalsystem,abletofaceandhandleconfrontation,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-       builtonsolidcreditbackground-具备良好的授信/信贷知识及经验-       flatreportingstructure-扁平的组织架构-       supportfromseniormanagement-高层管理的支持4