渣打银行的风险管理手册（好东西就不多说了）

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2008-10-9 16:02:00 上传

渣打银行的风险管理手册（好东西就不多说了）
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这本handbook的经历可谓曲折，很早就想发，但是友人告诉我他还没有离开渣打，所以一直等到最近才发。渣打一向以严谨的内控著称，所以这本手册的价值就不言而喻了，值得研究。不说了，献上部分目录。

Introduction________________________________________________________ 3

Risk Culture – what does it mean at Standard Chartered____________________ 3

Business and Risk___________________________________________________ 4

Risk Principles (also refer Database B 101)_______________________________ 5

Risk Types_________________________________________________________ 5

Credit Risk_______________________________________________________ 5

Country Risk (also refer database B 301 and B 326)_______________________ 6

Market and Liquidity Risk (also refer Group Market Risk Policy Database)______ 6

Operational Risk (also refer database B 501)____________________________ 7

Compliance Risk (also refer database B 601 and B 602)___________________ 8

Reputational Risk (also refer database B 701 and J401)____________________ 9

Environmental and Social Risk (also refer database B 204)_________________ 9

Risk Management Framework & Matrix of Responsibilities__________________ 9

Risk Management Organization_______________________________________ 10

Group Level_____________________________________________________ 10

Functional Level_________________________________________________ 11

Country Level___________________________________________________ 11

Risk Policies and Procedures_________________________________________ 11

1. Group Policies_________________________________________________ 11

2. Functional Policies_____________________________________________ 12

3. Country Underwriting Standards___________________________________ 12

Risk Pricing_______________________________________________________ 13

Economic Profit__________________________________________________ 13

Measurement Tools_______________________________________________ 13

Pricing Guidelines________________________________________________ 13

Management of Customers/Counterparties______________________________ 14

Target Customers________________________________________________ 14

Name Lending___________________________________________________ 14

Money Laundering – Know your customer (also refer database B 507 and B 534) 14

Types_________________________________________________________ 15

I. CORPORATES_______________________________________________ 15

Groups  (also refer database J 202, J 203 and J 206)____________________ 15

Lending to Holding Companies (also refer database J101)_________________ 15

Subsidiary Companies (also refer database J 207)_______________________ 15

II.    BANKS____________________________________________________ 16

Banks and Financial Institutions (also refer database J 154, J 155, J 307, J 804 & J 806)      16

III.   GOVERNMENTS____________________________________________ 16

Governments and Government Owned Companies (also refer database J 204)_ 16

IV.  INVESTMENT INSTITUTIONS__________________________________ 16

Funds, Fund Managers and Hedge Funds (also refer database J 807 and J 808) 16

V.   PERSONAL BORROWERS____________________________________ 16

Lending to Individuals within Functional level policy (also refer database J 104) 17

Products__________________________________________________________ 17

Categories of Risk for Limit Purposes – Category 1,2&3 (also refer database R 201)       17

Suitability, Saleability, Pricing (also refer database J 101, J111)_____________ 18

Specific Requirements (also refer database J 101, J 302, J307)_____________ 18

Specialist Product and Higher Risk Areas (also refer database J 101)________ 18

Restricted Activities (also refer database J 101 and B 702)_________________ 18

Environmental and Social Risk (also refer database B204 and B 226)________ 19

Others (also refer database J 101)____________________________________ 19

Approval Process__________________________________________________ 19

Business Credit Application (also refer database J 151, J154,)______________ 19

Credit Grades (also refer database D 101 and J 206)_____________________ 21

Grading Groups and use of Parental Support (also refer database J 206)______ 22

Regulatory Compliance (also refer database B 202)______________________ 22

Credit Reference Levels (also refer database J 121)______________________ 22

Security (also refer database J 158 and J 616)__________________________ 23

Country Risk (also refer database B 326)______________________________ 23

Approval Authorities (also refer database J 102 & J 152)__________________ 23

Pre Disbursal Process – Control of Lending_____________________________ 24

Securing Documentation (also refer database J175 and J506)______________ 24

Monitoring & Control________________________________________________ 25

Trigger Points (also refer database J 151)______________________________ 25

Early Alert Accounts – (also refer database J 503)_______________________ 25

Accounts Subject To Additional Review (also refer database J 505)__________ 25

Management of Special Assets - GSAM_________________________________ 26

Accounts graded CG 12 (also refer database N 101)______________________ 26

Lessons Learned Review (also refer database N 300)____________________ 26

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关键词：风险管理 渣打银行 管理手册 Institutions introduction 手册 风险管理 渣打银行