文档介绍：CREDIT RISK MANAGEMENT 信贷风险管理
HSBC
汇丰银行
1
CREDIT CULTURE 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
2
CREDIT RISK MANAGEMENT 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
3
STRUCTURE AND APPROVAL PROCESS结构和认证程序
Board of Directors
董事会
行政总裁(总部)
GHQ
CEO
APH
CEO
行政总裁(亚太区)
AMH
GM总经理
(香港及中国大陆)
Line前线部门
信贷总经理
GM Credit
CCO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
4
ALTERNATIVES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)
5
Structure 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
6
Credit Policy, Guidelines and Procedures Manual 信贷政策,指南及程序手册
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 Strategy and Focus 业务战略和重点
Risk Assessment and Credit Appeti