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1、IntroductionWelcometostandardchartedBank.Thisriskhandbookwillgiveyouanintroductiontothevariousriskrelatedactivitieswithinthebank.Thishandbookisnotmeanttobea“Bible”onRiskManagementbutinsteadwillprovideyouwiththebackgroundtoseveralkeyareaswithintheleadingfu
2、nctionandwillserveasyour“firstpointofreference”.Elaborationanddetailofanypolicyorprocesswillbefoundintherespectivedatabasesandyouwillbeprovideareferencetothesameinthehandbook.Further,ifyouareinasalesrelatedrole,youmustalsorefertotheRelationshipManagerGuid
3、e,whichwillequipyouon,“HowtobeabetterRelationshipmanagerandbecomeapartnertoyourclients”.RiskCulture-WhatdoesitmeanatStandardCharteredWhatisCulture?Websterdefinesitas:“Thesetofsharedattitudes,values,goals,andpracticesthatcharacterizeaorganization”-thekeywo
4、rdis‘shared’.Weallhavedifferentrolestoplaywithintheorganizationbutonethingisclear,StandardCharteredcanandwillonlybesuccessfulifwealltakeownershipofriskandacceptaccountabilityforouractions.Everyoneofuscanleadbyexampleandensurethatthedecisionswemake,theacti
5、onswetake,aretothelongtermbenefitofthebankfirstlyandthatanypersonalbenefitissubordinate.Thebankbenefitsfromastrongriskcultureandweendeavortorewardgoodriskbehaviorinthesamewaythatwerewardotherachievements,Thoseofuswhodemonstrateasoundapproachtoriskcanexpec
6、ttoseethisfurtherourcareersandbeappropriatelyrewarded.Savinglossesisasimportantasgrowingrevenue.（物质奖励）Weexpectpeopletobehaveresponsiblyandtobringproblemstothefore（在前面）attheearliestpossiblestage.Inthesamewaythatweexpectopennessandfulldisclosurefromourclien
7、ts,soweexpectitofourselves.Problemaretheretobesolved,nothidden.Inagood,soundinstitutionriskisanintegralpartofstrategicplanningfromthetopdown.Goodriskculturederivesfromgoodriskbehavior,acollegiateapproach,openandrobustdebateonissuesofconcernandmostofallafi
8、rmandunwaveringcommitmenttoa“NoSurprises”philosophy.Wewillalsoensureweallhaveaclearframeworkwithinwhichtooperateandthatweallunderstandwhatwecanandcannotdo.Thefollowingtablelaysdownkeycharacteristicsofeffectiveriskcu
