渣打银行风险管理手册英文版

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1、IntroductionWelcometostandardchartedBank.Thisriskhandbookwillgiveyouanintroductiontothevariousriskrelatedactivitieswithinthebank.Thishandbookisnotmeanttobea“Bible”onRiskManagementbutinsteadwillprovideyouwiththebackgroundtoseveralkeyareaswithintheleadingfunctionandwillserveasyour“first

2、pointofreference”.Elaborationanddetailofanypolicyorprocesswillbefoundintherespectivedatabasesandyouwillbeprovideareferencetothesameinthehandbook.Further,ifyouareinasalesrelatedrole,youmustalsorefertotheRelationshipManagerGuide,whichwillequipyouon,“HowtobeabetterRelationshipmanagerandb

3、ecomeapartnertoyourclients”.RiskCulture-WhatdoesitmeanatStandardCharteredWhatisCulture?Websterdefinesitas:“Thesetofsharedattitudes,values,goals,andpracticesthatcharacterizeaorganization”-thekeywordis‘shared’.Weallhavedifferentrolestoplaywithintheorganizationbutonethingisclear,Standard

4、Charteredcanandwillonlybesuccessfulifwealltakeownershipofriskandacceptaccountabilityforouractions.Everyoneofuscanleadbyexampleandensurethatthedecisionswemake,theactionswetake,aretothelongtermbenefitofthebankfirstlyandthatanypersonalbenefitissubordinate.Thebankbenefitsfromastrongriskcu

5、ltureandweendeavortorewardgoodriskbehaviorinthesamewaythatwerewardotherachievements,Thoseofuswhodemonstrateasoundapproachtoriskcanexpecttoseethisfurtherourcareersandbeappropriatelyrewarded.Savinglossesisasimportantasgrowingrevenue.（物质奖励）Weexpectpeopletobehaveresponsiblyandtobringprobl

6、emstothefore（在前面）attheearliestpossiblestage.Inthesamewaythatweexpectopennessandfulldisclosurefromourclients,soweexpectitofourselves.Problemaretheretobesolved,nothidden.Inagood,soundinstitutionriskisanintegralpartofstrategicplanningfromthetopdown.Goodriskculturederivesfromgoodriskbehav

7、ior,acollegiateapproach,openandrobustdebateonissuesofconcernandmostofallafirmandunwaveringcommitmenttoa“NoSurprises”philosophy.Wewillalsoensureweallhaveaclearframeworkwithinwhichtooperateandthatweallunderstandwhatwecanandcannotdo.Thefollowingtablelaysdownkeycharacteristicsofeffectiver

8、iskcu