汇丰银行的信贷风险管理

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1、CREDITRISKMANAGEMENT信贷风险管理HSBC汇丰银行1CREDITCULTURE信贷文化RiskaversegivenBank’shighgearingandthinmargin倾向低风险，由于银行高负债和低利息差Propergoalsandmeasureswithcontrols适当的目标和措施及控制TheLinetakesprimary(orjoint)responsibilityofthecreditdecisions前线部门对贷款决定负主要（或共同）责任BurdenofproofontheLine证明应贷款责任在于前线部门Neverfeelembarrassedto

2、ask“dumb”questions不用担心问“愚笨”的问题2CREDITRISKMANAGEMENT信贷风险管理Prerequisite:先决条件Seniormanagement’ssupport(positiveintervention?)高层管理的支持（积极干预？）People(technicalcapability,integrityandinter-personalskills)人员（技术能力、人格和人际交往能力）OrganizationandSystem组织及系统Attribute:特征Independent独立性Nobottom-lineresponsibility没有盈利责

3、任Professional专业性Firmandfair坚定和公正3STRUCTUREANDAPPROVALPROCESS结构和认证程序BoardofDirectors董事会行政总裁（总部）GHQCEOAPHCEO行政总裁（亚太区）AMHGM总经理（香港及中国大陆）Line前线部门信贷总经理GMCreditCCO首席信贷官HDCredit信贷部门主管Concurrence认同Approval审批Approval审批Approval审批CountryRisk/BankRisk国家风险/银行风险MarketRisk/CreditRisk市场风险/信用风险MarketRisk/CreditRisk

4、市场风险/信用风险Credit信用4ALTERNATIVES选择CentralizedvsDecentralized集权/分权IndividualvsCommittee(compositionanddecisionmakingprocess)个人/委员会（债务组成及决策过程）Factorstoconsider:需要考虑的因素Individual/CollectiveDecision/Responsibility个人/集体决策/责任Seniormanagement’strust高层管理的信任Qualityofstaff(atcentreandintheline)员工的素质（管理人员和一线职员

5、）Specializationofstaff员工专业化Effectivenessofinternalcontrolsystem内部控制系统的功效Qualityofservice(e.g.turnaroundtime)服务的质量（例如：报废项目时间）Others(fraudpreventionetc.)其他（防范欺诈等）5StructureandAccountCycle结构及客户信贷周期Policy/政策Approval审批RiskMonitoring风险监督Recovery追偿HeadofCRM信贷风险管理部Loans贷款Unhealthyloans不良贷款Review回顾Review回顾

6、6CreditPolicy,GuidelinesandProceduresManual信贷政策，指南及程序手册Keybusinessobjectives主要业务目标StructureandResponsibility结构及职责EconomicOutlook经济预期SectoralAnalysis行业分析BusinessStrategyandFocus业务战略和重点RiskAssessmentandCreditAppetite风险评估和信贷偏好LendingGuidelines贷款指南CreditProducts,ProceduresandAdvice信贷产品、程序和建议7CREDITPOL

7、ICY信贷政策Marketpositioningandriskappetite市场定位和风险偏好Return回报PrivateBankCommercialBankSubprimeLender私人银行商业银行次级贷款人-Largecorporate大型企业-Middlemarket中端市场-Smallbusiness小型企业-Consumer消费者Risk风险8MARKETSEGMENTATION–CREDITTOOLS市