汇丰银行的风险管理讲义课件.pptVIP

CREDITRISKMANAGEMENT信贷风险管理HSBC汇丰银行1

CREDITCULTURE信贷文化lRiskaversegivenBank’shighgearingandthinmarginl倾向低风险，由于银行高负债和低利息差lPropergoalsandmeasureswithcontrolsl适当的目标和措施及控制lTheLinetakesprimary(orjoint)responsibilityofthecreditdecisionsl前线部门对贷款决定负主要（或共同）责任lBurdenofproofontheLinel证明应贷款责任在于前线部门lNeverfeelembarrassedtoask“dumb”questionsl不用担心问“愚笨”的问题2

CREDITRISKMANAGEMENT信贷风险管理Prerequisite:先决条件lSeniormanagement’ssupport(positiveintervention?)l高层管理的支持（积极干预？）lPeople(technicalcapability,integrityandinter-personalskills)l人员（技术能力、人格和人际交往能力）lOrganizationandSysteml组织及系统Attribute:特征lIndependent独立性lNobottom-lineresponsibility没有盈利责任lProfessional专业性lFirmandfair坚定和公正3

STRUCTUREANDAPPROVALPROCESS结构和认证程序BoardofDirectors董事会行政总裁（总部）GHQCEO信贷总经理GMCreditConcurrence认同CountryRisk/BankRisk国家风险/银行风险MarketRisk/CreditRisk市场风险/信用风险APHCEO行政总裁（亚太区）ApprovalMarketRisk/CreditRisk市场风险/信用风险CCO首席信贷官审批AMHGM总经理（香港及中国大陆）HDCredit信贷部门主管Approval审批Credit信用Line前线部门Approval审批4

ALTERNATIVES选择lCentralizedvsDecentralized集权/分权lIndividualvsCommittee(compositionanddecisionmakingprocess)个人/委员会（债务组成及决策过程）Factorstoconsider:需要考虑的因素lIndividual/CollectiveDecision/Responsibilityl个人/集体决策/责任lSeniormanagement’strust高层管理的信任lQualityofstaff(atcentreandintheline)员工的素质（管理人员和一线职员）lSpecializationofstaff员工专业化lEffectivenessofinternalcontrolsystem内部控制系统的功效lQualityofservice(e.g.turnaroundtime)服务的质量（例如：报废项目时间）lOthers(fraudpreventionetc.)其他（防范欺诈等）5

StructureandAccountCycle结构及客户信贷周期HeadofCRM信贷风险管理部Policy/政策RiskMonitoringApproval审批风险监督Recovery追偿Loans贷款Unhealthyloans不良贷款Review回顾Review回顾6

CreditPolicy,GuidelinesandProceduresManual信贷政策，指南及程序手册lKeybusinessobjectives主要业务目标lStructureandResponsibility结构及职责lEconomicOutlook经济预期lSectoralAnalysis行业分析lBusinessStrategyandFocus业务战略和重点lRiskAssessmentandCreditAppetite风险评估和信贷偏好lLendingGuidelines贷款指南lCreditProducts,Proceduresand