渣打银行风险管理手册

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1、Risk@WholesaleBankAnorientationtoeffectiveriskmanagement&controlRiskHandbookPage26TABLEOFCONTENTSIntroduction3RiskCulture–whatdoesitmeanatStandardChartered3BusinessandRisk4RiskPrinciples(alsoreferDatabaseB101)5RiskTypes5CreditRisk5CountryRisk(alsoreferdatabaseB301andB326

2、)6MarketandLiquidityRisk(alsoreferGroupMarketRiskPolicyDatabase)6OperationalRisk(alsoreferdatabaseB501)7ComplianceRisk(alsoreferdatabaseB601andB602)8ReputationalRisk(alsoreferdatabaseB701andJ401)9EnvironmentalandSocialRisk(alsoreferdatabaseB204)9RiskManagementFramework&M

3、atrixofResponsibilities9RiskManagementOrganization10GroupLevel10FunctionalLevel11CountryLevel11RiskPoliciesandProcedures111.GroupPolicies112.FunctionalPolicies123.CountryUnderwritingStandards12RiskPricing13EconomicProfit13MeasurementTools13PricingGuidelines13Managementof

4、Customers/Counterparties14TargetCustomers14NameLending14MoneyLaundering–Knowyourcustomer(alsoreferdatabaseB507andB534)14Types15I.CORPORATES15Groups(alsoreferdatabaseJ202,J203andJ206)15LendingtoHoldingCompanies(alsoreferdatabaseJ101)15SubsidiaryCompanies(alsoreferdatabase

5、J207)15II.BANKS16BanksandFinancialInstitutions(alsoreferdatabaseJ154,J155,J307,J804&J806)16III.GOVERNMENTS16GovernmentsandGovernmentOwnedCompanies(alsoreferdatabaseJ204)16IV.INVESTMENTINSTITUTIONS16Funds,FundManagersandHedgeFunds(alsoreferdatabaseJ807andJ808)16V.PERSONAL

6、BORROWERS16LendingtoIndividualswithinFunctionallevelpolicy(alsoreferdatabaseJ104)17Products17CategoriesofRiskforLimitPurposes–Category1,2&3(alsoreferdatabaseR201)17RiskHandbookPage26Suitability,Saleability,Pricing(alsoreferdatabaseJ101,J111)18SpecificRequirements(alsoref

7、erdatabaseJ101,J302,J307)18SpecialistProductandHigherRiskAreas(alsoreferdatabaseJ101)18RestrictedActivities(alsoreferdatabaseJ101andB702)18EnvironmentalandSocialRisk(alsoreferdatabaseB204andB226)19Others(alsoreferdatabaseJ101)19ApprovalProcess19BusinessCreditApplication(

8、alsoreferdatabaseJ151,J154,)19CreditGrades(alsoreferdatabaseD101andJ206)21GradingGroupsanduseofParental