信贷风险培训讲学.ppt

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1、信贷风险管理CREDITRISKMANAGEMENT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-liner

2、esponsibility没有盈利责任Professional专业性Firmandfair坚定和公正2STRUCTUREANDAPPROVALPROCESS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/BankRis

3、k国家风险/银行风险MarketRisk/CreditRisk市场风险/信用风险MarketRisk/CreditRisk市场风险/信用风险Credit信用3ALTERNATIVES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/R

4、esponsibility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）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.)

5、其他（防范欺诈等）4StructureandAccountCycle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5CreditPolicy,GuidelinesandProceduresManual信贷政策，指南及程序手册Keybusinessobjectives主要业务目标StructureandResponsibility

6、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6CREDITPOLICY信贷政策Marketpositioningandriskappetite市场定位和风险偏好Return回报PrivateBa

7、nkCommercialBankSubprimeLender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7MARKETSEGMENTATION–CREDITTOOLS市场细分—信贷工具CorporateBanking-Largecorporate-Judgemental(plusRating,KMV,MRA)公司金融-大型公司-主观判断（加评分，KMV,MRA)Commercial

8、Banking–Mediumsizedcorporate–Judgemental公司金融-中型企业-主观判断BusinessBanking–Smallbusiness–Scoring商务理财-小型企业-评分PersonalFinancialServices–Consumer–Scoring个人金融服务-消费者-评分8DelinquencyRates,AllBanks,SA(USA)贷款不良率美国所有银行024681012149