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1、IntroductionWelcometostandardchartedBank.Thisriskhandbookwillgiveyouanintroductiontothevariousriskrelatedactivitieswithinthebank.Thishandbookisnotmeanttobea“Bible”onRiskManagementbutinsteadwillprovideyouwiththebackgroundtoseveralkeyareaswithintheleadingfunctionandwillser
2、veasyour“firstpointofreference”.Elaborationanddetailofanypolicyorprocesswillbefoundintherespectivedatabasesandyouwillbeprovideareferencetothesameinthehandbook.Further,ifyouareinasalesrelatedrole,youmustalsorefertotheRelationshipManagerGuide,whichwillequipyouon,“Howtobeab
3、etterRelationshipmanagerandbecomeapartnertoyourclients”.RiskCulture-WhatdoesitmeanatStandardCharteredWhatisCulture?Websterdefinesitas:“Thesetofsharedattitudes,values,goals,andpracticesthatcharacterizeaorganization”-thekeywordis‘shared’.Weallhavedifferentrolestoplaywithin
4、theorganizationbutonethingisclear,StandardCharteredcanandwillonlybesuccessfulifwealltakeownershipofriskandacceptaccountabilityforouractions.Everyoneofuscanleadbyexampleandensurethatthedecisionswemake,theactionswetake,aretothelongtermbenefitofthebankfirstlyandthatanyperso
5、nalbenefitissubordinate.Thebankbenefitsfromastrongriskcultureandweendeavortorewardgoodriskbehaviorinthesamewaythatwerewardotherachievements,Thoseofuswhodemonstrateasoundapproachtoriskcanexpecttoseethisfurtherourcareersandbeappropriatelyrewarded.Savinglossesisasimportanta
6、sgrowingrevenue.（物质奖励）Weexpectpeopletobehaveresponsiblyandtobringproblemstothefore（在前面）attheearliestpossiblestage.Inthesamewaythatweexpectopennessandfulldisclosurefromourclients,soweexpectitofourselves.Problemaretheretobesolved,nothidden.Inagood,soundinstitutionriskisani
7、ntegralpartofstrategicplanningfromthetopdown.Goodriskculturederivesfromgoodriskbehavior,acollegiateapproach,openandrobustdebateonissuesofconcernandmostofallafirmandunwaveringcommitmenttoa“NoSurprises”philosophy.Wewillalsoensureweallhaveaclearframeworkwithinwhichtooperate
8、andthatweallunderstandwhatwecanandcannotdo.Thefollowingtablelaysdownkeycharacteristicsofeffectiveriskcu
