信貸風險管理實務(ppt 25頁)

信貸風險管理實務內容提要：
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
CREDIT RISK MANAGEMENT信貸風險管理
Prerequisite:先決條件
Senior management’s support (positive intervention?)
高層管理的支持（積極幹預？）
People (technical capability, integrity and inter-personal skills)
人員（技術能力、人格和人際交往能力）
Organization and System
組織及係統
Attribute:特征
Independent 獨立性
No bottom-line responsibility 沒有盈利責任
Professional 專業性
Firm and fair 堅定和公正
MARKET SEGMENTATION – CREDIT TOOLS 市場細分—信貸工具
Corporate Banking - Large corporate - Judgemental (plus Rating, KMV, MRA)
公司金融-大型公司-主觀判斷（加評分，KMV, MRA)
Commercial Banking – Medium sized corporate – Judgemental 公司金融-中型企業-主觀判斷
Business Banking – Small business – Scoring
商務理財-小型企業-評分
Personal Financial Services – Consumer – Scoring
個人金融服務-消費者-評分
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