渣打银行的风险高效管理手册.pdf

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1、Risk@WholesaleBankAnorientationtoeffectiveriskmanagement&controlTABLEOFCONTENTSIntroduction________________________________________________________3RiskCulture–whatdoesitmeanatStandardChartered___________________3BusinessandRisk________________________________________________

2、___4RiskPrinciples(alsoreferDatabaseB101)______________________________5RiskTypes_________________________________________________________5CreditRisk_______________________________________________________5CountryRisk(alsoreferdatabaseB301andB326)_______________________6Market

3、andLiquidityRisk(alsoreferGroupMarketRiskPolicyDatabase)______6OperationalRisk(alsoreferdatabaseB501)____________________________7ComplianceRisk(alsoreferdatabaseB601andB602)___________________8ReputationalRisk(alsoreferdatabaseB701andJ401)____________________8Environmentalan

4、dSocialRisk(alsoreferdatabaseB204)_________________9RiskManagementFramework&MatrixofResponsibilities__________________9RiskManagementOrganization_______________________________________10GroupLevel_____________________________________________________10FunctionalLevel__________

5、_______________________________________10CountryLevel___________________________________________________11RiskPoliciesandProcedures_________________________________________111.GroupPolicies_________________________________________________112.FunctionalPolicies________________

6、______________________________113.CountryUnderwritingStandards___________________________________12RiskPricing_______________________________________________________13EconomicProfit__________________________________________________13MeasurementTools___________________________

7、____________________13PricingGuidelines________________________________________________13ManagementofCustomers/Counterparties______________________________14TargetCustomers________________________________________________14NameLending___________________________________________

8、________14MoneyLaundering–Knowyourcustomer(alsoreferdatabaseB507andB