信贷风险管理实务(ppt 25页)

信贷风险管理实务内容提要：
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
CREDIT RISK MANAGEMENT信贷风险管理
Prerequisite:先决条件
Senior management’s support (positive intervention?)
高层管理的支持（积极干预？）
People (technical capability, integrity and inter-personal skills)
人员（技术能力、人格和人际交往能力）
Organization and System
组织及系统
Attribute:特征
Independent 独立性
No bottom-line responsibility 没有盈利责任
Professional 专业性
Firm and fair 坚定和公正
MARKET SEGMENTATION – CREDIT TOOLS   市场细分—信贷工具
Corporate Banking - Large corporate - Judgemental  (plus Rating, KMV, MRA)
    公司金融-大型公司-主观判断（加评分，KMV, MRA)
Commercial Banking – Medium sized corporate – Judgemental 公司金融-中型企业-主观判断
Business Banking – Small business – Scoring
    商务理财-小型企业-评分
Personal Financial Services – Consumer – Scoring
     个人金融服务-消费者-评分
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