銀行信貸風險管理(ppt 25頁)

銀行信貸風險管理內容提要：
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
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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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Consumer 消費貸款：
Criteria Based Lending 根據準則所進行的信貸
More commonly for secured products, e.g. mortgage, car loans, HP and loans secured by liquid assets
多用於擔保產品，例如：住房貸款、汽車貸款、租賃及用流動資產擔保的貸款
Security coverage 抵押品/貸款 比例
Income coverage 收入/還款 比例

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