银行风险管理 陈宝华.pptVIP

Standard Chartered Markets and Institutional Risk Management 环球市场与金融机构风险管理 Paula Tan- Senior Manager, MIRM Singapore 陈宝华-环球市场与机构风险管理部高级经理(新加坡)  Standard Chartered Agenda 议程 Trends in the banking industry 银行业的发展趋势 a Challenges- going forward 面临的挑战 Credit Risk Business Model 信贷风险业务模型 Issues for risk management 风险控制的要点  Standard Chartered Changing attitudes towards credit 信贷观点的转变 Neither a borrower nor a lender be and he reasoned loan often loses both itself and friend and borrowing dulls the edge of husbandry “既不要做借款人,也不要做贷款人”-理由是“贷款常使 我们失去资金和朋友,而向人借钱又让我们淡忘节俭”  Standard Chartered Debts and more debts Liabilities/PD/%) 日益增长的负债(负债/个人可支配收入%) 2000 1996 Singapore 新加坡 174 118 USA 美国 Japan 日本 100 100 France 法国 英 116 107  Standard Chartered Irrational Exuberance- Alan Greenspan, 5 December 1996 非理性却充满激情-艾伦格林斯潘,1996年12月5日 Why was the world so fixated on these words and what were the precipitating factors in the world then? 为什么整个世界都曾关注这些话题,又是什么因素使它迅速传播?  Standard Chartered Precipitating Factors 传播的因素 Arrival of the Internet互联网时代的到来 Baby boom生育高峰 Expansion of media in reporting business news媒体商业报道的扩张 Expansion of Pension Funds养老金的增长 Decline of Inflation通货膨涨率的下降 Growth of mutual funds共同基金的增长 Rise of gambling opportunities and Trading Volume 获利投机机会的增加与贸易额的上升 Get rich culture致富文化 Optimism乐观主义 Bankruptcy has no stigma无污点的破产 Decline of Foreign Economic Rivals国外经济竞争对手的衰败  Standard Chartered Outlook for the millennium 展望新千年 nternet互联网 On line trading网上贸易 Rise of public institutions promoting gambling鼓励投机的公共机构的增长 ■ Issues of fairness and resentment公平与不满的争论 a Environmental Issues - inhibit growth, cost 1 trillion 环境问题-抑制经济增长,一万亿元的成本 High tech dominance高科技占主导地位  Standard Chartered Trends in the Asian Banking Scene 亚洲银行业的发展趋势 Personal Financial services个人理财服务 Asset Management资产管理 Corporate Banking公司金融  Standard Chartered Credit Risk Process within the Basle Accord framework 巴塞尔协议框架下的信贷风险处理 Revised