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1、IntroductionWelcometostandardchartedBank.Thisriskhandbookwillgiveyouanintroductiontothevariousriskrelatedactivitieswithinthebank.Thishandbookisnotmeanttobea“Bible”onRiskManagementbutinsteadwillprovideyouwiththebackgroundtoseveralkeyareaswithintheleadingfunctionandwillserveasyo
2、ur“firstpointofreference”.Elaborationanddetailofanypolicyorprocesswillbefoundintherespectivedatabasesandyouwillbeprovideareferencetothesameinthehandbook.Further,ifyouareinasalesrelatedrole,youmustalsorefertotheRelationshipManagerGuide,whichwillequipyouon,“HowtobeabetterRelatio
3、nshipmanagerandbecomeapartnertoyourclients”.RiskCulture-WhatdoesitmeanatStandardCharteredWhatisCulture?Websterdefinesitas:“Thesetofsharedattitudes,values,goals,andpracticesthatcharacterizeaorganization”-thekeywordis‘shared’.Weallhavedifferentrolestoplaywithintheorganizationbut
4、onethingisclear,StandardCharteredcanandwillonlybesuccessfulifwealltakeownershipofriskandacceptaccountabilityforouractions.Everyoneofuscanleadbyexampleandensurethatthedecisionswemake,theactionswetake,aretothelongtermbenefitofthebankfirstlyandthatanypersonalbenefitissubordinate.
5、Thebankbenefitsfromastrongriskcultureandweendeavortorewardgoodriskbehaviorinthesamewaythatwerewardotherachievements,Thoseofuswhodemonstrateasoundapproachtoriskcanexpecttoseethisfurtherourcareersandbeappropriatelyrewarded.Savinglossesisasimportantasgrowingrevenue.(物质奖励)Weexpect
6、peopletobehaveresponsiblyandtobringproblemstothefore(在前面)attheearliestpossiblestage.Inthesamewaythatweexpectopennessandfulldisclosurefromourclients,soweexpectitofourselves.Problemaretheretobesolved,nothidden.Inagood,soundinstitutionriskisanintegralpartofstrategicplanningfromth
7、etopdown.Goodriskculturederivesfromgoodriskbehavior,acollegiateapproach,openandrobustdebateonissuesofconcernandmostofallafirmandunwaveringcommitmenttoa“NoSurprises”philosophy.Wewillalsoensureweallhaveaclearframeworkwithinwhichtooperateandthatweallunderstandwhatwecanandcannotdo
8、.Thefollowingtablelaysdownkeycharacteristicsofeffectiveriskcu