信用风险管理(ppt15)-风险管理(编辑修改稿)

信用风险管理(ppt15)-风险管理(编辑修改稿)内容摘要：

• 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。 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 customer type Define Risk Appetite Techniques used: Loan balance allocation by product / instrument geography customer / counterparty type currency Systems used: Intra (policy delivery) Controls applied: Appetite reflects credit risk management policy Organisation: Group Credit Risk Management Department, Business lines (Corporate, Personal), Credit Risk Management departments Key performance Loan balances utilised / Loan indicators: balances available Reporting structure: Loan balance used by product / instrument geography customer / counterparty type currency Loan balances available by product / instrument geography customer / counterparty type currency This process activity description together with the following 7 descriptions gives a high level overview of the “ingredients” in each of the credit risk management process activity. 9 Techniques used: Loan assessments against policy criteria and risk appetite criteria Systems used: Loan application system Workflow system Intra (policy delivery) Controls applied: Credit risk management department (Corporate) assesses loan application received from relationship manager Organisation: Corporate manager Credit risk management (Corporate) Group credit risk management Key performance Loan applications / Loans approved indicators: Loan bal. utilised / Loan bal. available Reporting structure: Loan application status (eg received, assessed, approved, drawdown) by geography product type loan balance pipeline analysis Loan Application and Drawdown Corporate Techniques used: Loan application credi。