信貸風險管理(中英版)(ppt 25頁)

CREDIT CULTURE信貸文化:
-Risk averse given Bank’s high gearing and thin margin
傾向低風險，由於銀行高負債和低利息差
-Proper goals and measures with controls
適當的目標和措施及控製
-The Line takes primary (or joint) responsibility of the credit decisions
前線部門對貸款決定負主要（或共同）責任
-Burden of proof on the Line
證明應貸款責任在於前線部門
-Never feel embarrassed to ask “dumb” questions
不用擔心問“愚笨”的問題
Factors to consider: 需要考慮的因素:
-Individual / Collective Decision / Responsibility
個人/集體決策/責任
-Senior management’s trust 高層管理的信任
-Quality of staff (at centre and in the line) 員工的素質 （管理人員和一線職員）
-Specialization of staff 員工專業化
-Effectiveness of internal control system 內部控製係統的功效
-Quality of service (e.g. turnaround time) 服務的質量（例如：報廢項目時間）
-Others (fraud prevention etc.) 其他（防範欺詐等）
Credit Policy, Guidelines and Procedures Manual 信貸政策，指南及程序手冊:
-Key business objectives 主要業務目標
-Structure and Responsibility 結構及職責
-Economic Outlook 經濟預期
-Sectoral Analysis 行業分析
-Business Strategy and Focus 業務戰略和重點
-Risk Assessment and Credit Appetite 風險評估和信貸偏好
-Lending Guidelines 貸款指南
-Credit Products, Procedures and Advice 信貸產品、程序和建議

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