渣打银行风险管理制度手册.doc

Introduction Welcome to standard charted Bank. This risk handbook will give you an introduction to the various risk related activities within the bank. This handbook is not meant to be a “Bible” on Risk Management but instead will provide you with the background to several key areas within the leading function and will serve as your “first point of reference”. Elaboration and detail of any policy or process will be found in the respective databases and you will be provide a reference to the same in the handbook. Further, if you are in a sales related role, you must also refer to the Relationship Manager Guide, which will equip you on, “How to be a better Relationship manager and become a partner to your clients” . Risk Culture- What does it mean at Standard Chartered What is Culture? Webster defines it as: “The set of shared attitudes, values, goals, and practices that characterize a organization”- the key word is ‘shared’. We all have different roles to play within the organization but one thing is clear, Standard Chartered can and will only be successful if we all take ownership of risk and accept accountability for our actions. Every one of us can lead by example and ensure that the decisions we make, the actions we take, are to the long term benefit of the bank firstly and that any personal benefit is subordinate. The bank benefits from a strong risk culture and we endeavor to reward good risk behavior in the same way that we reward other achievements, Those of us who demonstrate a sound approach to risk can expect to see this further our careers and be appropriately rewarded. Saving losses is as important as growing revenue.（物质奖励） We expect people to behave responsibly and to bring problems to the fore（在前面） at the earliest possible stage. In the same way that we expect openness and full disclosure from our clients, so we expect it of ourselves. Problem are there to be solved, not hidden. In a good, sound institution risk is an integral part of strategic plannin