文档介绍：1CREDIT RISK MANAGEMENTCREDIT RISK MANAGEMENT信贷风险管理信贷风险管理HSBC汇丰银行2CREDIT CULTURECREDIT CULTURE信贷文化信贷文化?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3CREDIT RISK MANAGEMENTCREDIT RISK MANAGEMENT信贷风险管理信贷风险管理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4STRUCTURE AND APPROVAL STRUCTURE AND APPROVAL PROCESSPROCESS结构和认证程序结构和认证程序Board of Directors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)Line前线部门信贷总经理GM O首席信贷官HD Credit 信贷部门主管Concurrence认同Approval审批Approval审批Approval审批Country Risk/Bank Risk国家风险/银行风险Market Risk/Credit Risk市场风险/信用风险Market Risk/Credit Risk市场风险/信用风险Credit信用5ALTERNATIVESALTERNATIVES选择选择?Centralized vs Decentralized集权/分权?Individual mittee (composition and decision making process)个人/委员会(债务组成及决策过程)Factors to consider: 需要考虑的因素?Individual / Collective Decision / Responsibility?个人/集体决策/责任?Senior management’s trust 高层管理的信任?Quality of staff (at centre and in the line) 员工的素质(管理人员和一线职员)?Specialization of staff员工专业化?Effectiveness of internal control system 内部控制系统的功效?Quality of service (. turnaround time) 服务的质量(例如:报废项目时间)?Others (fraud prevention etc.) 其他(防范欺诈等)6Structure and Account Cycle结构及客户信贷周期Policy/政策Approval审批Risk Monitoring风险监督Recovery追偿Head of CRM信贷风险管理部Loans贷款Unhealthy loans不良贷款Review回顾Review回顾7Credit Policy, Guidelines and Procedures Credit Policy, Guidelines and Procedures ManualManual信贷政策,指南及程序信贷政策,指南及程序手册手册?Key business objectives 主要业务目标?Structure and Responsibility 结构及职责?Economic Outlook 经济预期?Sectoral Analysis 行业分析?Business St