银行信贷风险管理讲义credit risk management.pptVIP

* CREDIT RISK MANAGEMENT信贷风险管理 * 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 * 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 * 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 * ALTERNATIVES选择 Centralized vs Decentralized集权/分权 Individual vs Committee 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 e.g. 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） * 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 * 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 Appetite 风险评估和信贷偏好 Lending