PKU lecture May 2013-商业银行信用风险管理.pdfVIP

商业银行管理商业银行管理 商业银行管理商业银行管理 Commercial Bank Management Credit Management Tammy Lam 林铭恩 Dept of FIE, Sch of Software Microelectronics, PKU 11 May 2013 Guest Lecturer: Ms Tammy Lam Chinese University of Hongkong Bachelor of Business Administration Training Consultant – Fitch 7City, Citibank Independent Director – Bank of Chengdu, Member of Credit Approval Committee Non-Executive Director – Shenzhen Longgang Guoan Village and Township Bank Founder – Rural Impact Professionals (charitable NGO) (Last positions held) 2001-2008 Citibank China, Managing Director / Chief Risk Officer 1998-2000 Citibank Hong Kong, Vice President, Credit Risk – Corporate Banking Course Title: Credit Risk Management in Banks - Overview on Risk Management in banking - Corporate Credit Risk - Sharing on how Credit Risk function is done in practice - Flavor on local market conventions where different from international - Dynamic risk management What’’s Risk Management ’’ The balance between FEAR and GREED RISK and RETURN Difference between Risk Takers and Risk Managers? 4 Copyright © 2012 Value Insights Limited. All rights reserved. Risk-Return Balance Revenue • Risk management actions have impacts on each of these blocks Funding Cost • Effective risk management seeks to optimize the Cr