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汇丰银行-信贷风险管理PPT资源下载

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  • 汇丰银行-信贷风险管理简介
  • 汇丰银行-信贷风险管理

    CREDIT RISK MANAGEMENT 信贷风险管理
    CREDIT CULTURE 信贷文化
    Risk averse given Bank’s high gearing and thin margin
    倾向低风险,由于银行高负债和低利息差
    Proper goals and measures with controls
    适当的目标和措施及控制
    The Line takes primary (or joint) responsibility of the credit decisions
     前线部门对贷款决定负主要(或共同)责任
    Burden of proof on the Line
     证明应贷款责任在于前线部门
    Never feel embarrassed to ask “dumb” questions
     不用担心问“愚笨”的问题
    CREDIT RISK MANAGEMENT 信贷风险管理
    Prerequisite:先决条件

    Senior management’s support (positive intervention?)
    高层管理的支持(积极干预?)
    People (technical capability, integrity and inter-personal skills)
    人员(技术能力、人格和人际交往能力)
    Organization and System
    组织及系统
     
    Attribute:特征
    Independent 独立性
    No bottom-line responsibility 没有盈利责任
    Professional 专业性
    Firm and fair 坚定和公正

    STRUCTURE AND APPROVAL PROCESS结构和认证程序


    ALTERNATIVES选择
    Centralized vs Decentralized集权/分权
    Individual vs Committee (composition and decision making process)个人/委员会(债务组成及决策过程)
     
    Factors to consider: 需要考虑的因素
     
    Individual / Collective Decision / Responsibility
    个人/集体决策/责任
    Senior management’s trust 高层管理的信任
    Quality of staff (at centre and in the line) 员工的素质 (管理人员和一线职员)
    Specialization of staff 员工专业化
    Effectiveness of internal control system 内部控制系统的功效
    Quality of service (e.g. turnaround time) 服务的质量(例如:报废项目时间)
    Others (fraud prevention etc.) 其他(防范欺诈等)
    Structure and Account Cycle 结构及客户信贷周期
    Credit Policy, Guidelines and Procedures Manual 信贷政策,指南及程序手册
    Key business objectives 主要业务目标
    Structure and Responsibility 结构及职责
    Economic Outlook 经济预期
    Sectoral Analysis 行业分析
    Business Strategy and Focus 业务战略和重点
    Risk Assessment and Credit Appetite 风险评估和信贷偏好
    Lending Guidelines 贷款指南
    Credit Products, Procedures and Advice 信贷产品、程序和建议


    MARKET SEGMENTATION – CREDIT TOOLS   市场细分—信贷工具
    Corporate Banking - Large corporate - Judgemental  (plus Rating, KMV, MRA)
        公司金融-大型公司-主观判断(加评分,KMV, MRA)
     
    Commercial Banking – Medium sized corporate – Judgemental 公司金融-中型企业-主观判断
     
    Business Banking – Small business – Scoring
        商务理财-小型企业-评分
     
    Personal Financial Services – Consumer – Scoring
         个人金融服务-消费者-评分
     

     

    CREDIT RISK ASSESSMENT 信贷风险评估
    Corporate and Commercial Banking  公司金融 (大型和中型企业)
    Operating Risks 运营风险 Borrower Grade 借款人评级
    Financial Risks (including Projection) (PD) 财务风险(包括财务预测)(违约机率)
    Account Conduct 来往状况
     
    Security and Facility Structure抵押品、贷款结构及评级 Facility Grade  设施评级
     (Property + Marketable Securities) (财产和可交易的证券) 
    Small Business 小型企业
    More vulnerable to economic downturn 易受经济下滑的影响
    Information problematic (low financial transparency and reliability)  信息问题(财务信息透明度及可信度不高)
    High operating risks (relatively weak in management skills) 高运营风险(较弱的管理能力)
    Characteristics of the Scorecard 记分卡的特征
    Company’s financials 公司财务状况
    Company’s credit history and behavior 公司信用历史和表现
    Company’s attributes (age, sector, size etc) 公司性质(成立时间的长短、所属行业、规模等)
    Owner’s scores 公司所有者的评分


    Consumer 消费贷款
    Criteria Based Lending 根据准则所进行的信贷

    More commonly for secured products, e.g. mortgage, car loans, HP and loans secured by liquid assets
     多用于担保产品,例如:住房贷款、汽车贷款、租赁及用流动资产担保的贷款
    Security coverage 抵押品/贷款 比例

    Income coverage 收入/还款 比例
     

     


    CREDIT RISK MONITORING 信贷风险监督
    Management Information 管理信息
     (CPAN, IBIS, REMIND, SCOPE, etc)


    Grade classification / migration
    评级分类/变动情况

    Score distribution / flow rate
    分值分布/流动率
    PRICING STRATEGY 定价战略
    1. Interest margin: hurdle rates, e.g. bonds. 利率边际:障碍率,例如:债券
    2. RORA: return on the overall relationship 总体关系的回报
    3. EP: cost of capital 经济利润:资本成本
     
    Factors to consider: 考虑因素

    PD (Borrower’s grade)    违约机率
    LGD          损失比率
    Term 年期
    Cost of capital  资本成本
    Competition 竞争
    Business potential 发展潜力

     


     

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