信用風(fēng)險管理(ppt15)-風(fēng)險管理-wenkub.com
2024-08-14 20:36 本頁面
【正文】 Provisions . Loan application system ? Operations Department ? Credit Approval Committee As is (if applicable): ? Loan officers / relationship managers ? Credit Risk Management Department ? Corporate Banking Department / Personal Banking Department ? Credit Approval Committee This process illustration is related to the previous “Credit Risk Management Framework” appendix where the detailed activities of the target operating model is spelled out with other elements (such as process objective, inputs, outputs, etc) stated to give CCB a clear view of what a best practice credit risk management process consists of. 8 Define credit risk management policy Techniques used: Bad debt analysis, strategic scenario planning Systems used: Management information system Intra (policy delivery) Controls applied: Credit risk management policy derives directly from the business strategy Organisation: Group Credit Risk Management Department, Management Information Provision Unit of Strategy amp。 General ledger Provisions Credit risk exposure Background information on Customers and counterparties Strategic plan and risk appetite 1 Credit Risk Management Appendices 2 Appendix A – The Credit Risk Management Framework 3 A new operational framework is needed to deliver functional outputs with both control and proactive risk management objectives The functional outputs reflect CCB’s business requirements and current market good practices which form the basis of our Target Operating Model design. As far as CCB’s priorities are concerned the functions should: — as a first priority put in place control objectives to ensure identification, measurement, monitoring, and control — as a second priority introduce consistency The management of credit risk is a subject requiring continual update and development. Credit risk experience updates credit policy to continually refine lending criteria. 開發(fā)全行戰(zhàn)略和信貸政策 風(fēng)險管理目標(biāo) 控制目標(biāo) ? CCB loan capacity ? CCB loan utilisation ? 客戶的單一視圖 管理信息 ? Selection based on transaction quality ? Risk price ? 資本收益率 貸款申請 組合風(fēng)險評估 貸款審批 amp。 Collateral information Credit ratings Credit limit reports Collateral requirements Systems Country and counterparty information database /Management Information System Classes of Transactions Routine Non Routine Accounting Estimates Define credit risk management policy Loan application and drawdown Define risk appetite Loan administration Portfolio management Risk assessment Actively manage credit risk position using management information To be: ? Relationship managers ? Group Credit Risk Management Department ? Credit Risk Management Departments (corporate and personal) Control applied Planning Dept., Credit Approval Committee Key performance indicators: Bad debt to outstanding loan balances Number of loans granted Reporting structure: Bad debt to outstanding loan balance by geography product cus
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