银行信贷风险管理(ppt 25页)

银行信贷风险管理内容提要：
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
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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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Consumer 消费贷款：
Criteria Based Lending 根据准则所进行的信贷
More commonly for secured products, e.g. mortgage, car loans, HP and loans secured by liquid assets
多用于担保产品，例如：住房贷款、汽车贷款、租赁及用流动资产担保的贷款
Security coverage 抵押品/贷款 比例
Income coverage 收入/还款 比例
 

 

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