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1、IntroductionWelcometostandardchartedBank.Thisriskhandbookwillgiveyouanintroductiontothevariousriskrelatedactivitieswithinthebank.Thishandbookisnotmeanttobea“Bible”onRiskManagementbutinsteadwillprovideyouwiththebackgroundtoseveralkeyareaswithintheleadingfunct
2、ionandwillserveasyour“firstpointofreference”.Elaborationanddetailofanypolicyorprocesswillbefoundintherespectivedatabasesandyouwillbeprovideareferencetothesameinthehandbook.Further,ifyouareinasalesrelatedrole,youmustalsorefertotheRelationshipManagerGuide,whic
3、hwillequipyouon,“HowtobeabetterRelationshipmanagerandbecomeapartnertoyourclients”.RiskCulture-WhatdoesitmeanatStandardCharteredWhatisCulture?Websterdefinesitas:“Thesetofsharedattitudes,values,goals,andpracticesthatcharacterizeaorganization”-thekeywordis‘shar
4、ed’.Weallhavedifferentrolestoplaywithintheorganizationbutonethingisclear,StandardCharteredcanandwillonlybesuccessfulifwealltakeownershipofriskandacceptaccountabilityforouractions.Everyoneofuscanleadbyexampleandensurethatthedecisionswemake,theactionswetake,ar
5、etothelongtermbenefitofthebankfirstlyandthatanypersonalbenefitissubordinate.Thebankbenefitsfromastrongriskcultureandweendeavortorewardgoodriskbehaviorinthesamewaythatwerewardotherachievements,Thoseofuswhodemonstrateasoundapproachtoriskcanexpecttoseethisfurth
6、erourcareersandbeappropriatelyrewarded.Savinglossesisasimportantasgrowingrevenue.（物质奖励）Weexpectpeopletobehaveresponsiblyandtobringproblemstothefore（在前面）attheearliestpossiblestage.Inthesamewaythatweexpectopennessandfulldisclosurefromourclients,soweexpectitofo
7、urselves.Problemaretheretobesolved,nothidden.Inagood,soundinstitutionriskisanintegralpartofstrategicplanningfromthetopdown.Goodriskculturederivesfromgoodriskbehavior,acollegiateapproach,openandrobustdebateonissuesofconcernandmostofallafirmandunwaveringcommit
8、menttoa“NoSurprises”philosophy.Wewillalsoensureweallhaveaclearframeworkwithinwhichtooperateandthatweallunderstandwhatwecanandcannotdo.Thefollowingtablelaysdownkeycharacteristicsofeffectiveriskcu
