信贷风险管理(中英版)(ppt 25页)

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
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）
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 Guidelines 贷款指南
-Credit Products, Procedures and Advice 信贷产品、程序和建议

 

 

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