中文稿北京甘同風(fēng)險(xiǎn)管理咨詢(xún)有限公司Grandeam

ManagingCreditRiskforCompetitiveAdvantageinChinaRichardBisset,ExecutiveProjectManager,RiskandCompliance,IBMGreaterChinaGroup.Shanghai,Friday29th

February,2008

2008年中國(guó)的銀行的關(guān)鍵因素提高和加強(qiáng)標(biāo)準(zhǔn)、系統(tǒng)和流程以避免壞賬對(duì)數(shù)據(jù)發(fā)起、信息分配和披露進(jìn)行管理對(duì)貸款發(fā)起、壞賬管理和清收流程進(jìn)行管理在合規(guī)和業(yè)務(wù)績(jī)效間尋找到一種平衡在分支行的集權(quán)化和控制間建立一種平衡需要整合管理信息，并創(chuàng)造增值知識(shí)需要提高銀行人員的意識(shí)和理解以加強(qiáng)銀行內(nèi)部的控制和監(jiān)管2目錄風(fēng)險(xiǎn)管理，數(shù)據(jù)和經(jīng)濟(jì)資本信息管理信用工廠信貸定價(jià)：經(jīng)濟(jì)資本和信用風(fēng)險(xiǎn)管理的紐帶生命周期風(fēng)險(xiǎn)定價(jià)風(fēng)險(xiǎn)管理問(wèn)題人力資源管理給風(fēng)險(xiǎn)管理帶來(lái)的好處結(jié)論3風(fēng)尿險(xiǎn)扇管底理羞是紹數(shù)議據(jù)熊和閣銀大行黎目拍標(biāo)辛之銅間取的蔑橋毫梁沖－鄙為敗股侄東瓜創(chuàng)革造擔(dān)價(jià)侄值息是肆目廈標(biāo)風(fēng)晉險(xiǎn)拖管趨理數(shù)補(bǔ)據(jù)分肅析控定管目宜標(biāo)工晃具數(shù)狠據(jù)便及燃I面T測(cè)錘量報(bào)跟表管儲(chǔ)理曲流易程從匠發(fā)鵲起只職爬能敲轉(zhuǎn)閘到船風(fēng)問(wèn)險(xiǎn)糞/挽組燭合放管傍理朱職孫能曲方友法從瞞回透收依利豎息悟和雜本淘金津轉(zhuǎn)喊到搖組仗合餓的遇總蛇計(jì)蝦回兇收盡計(jì)腐量蹄方賤法為腿持閉股飽人提豎供賠價(jià)似值業(yè)向務(wù)閣前巷臺(tái)急/盤(pán)交課易商掌業(yè)貸臉款勁、形租規(guī)賃消醬費(fèi)呼者汽慘車(chē)旅、鴉住擋宅遠(yuǎn)、過(guò)信灶用志卡資艙產(chǎn)鬧管溝理共餃同薯基姻金統(tǒng)、嫂托貝管各人條、迅融腥資盡計(jì)想劃流陳程拜解隆決是方把案借織款濃、組信擇用蝴等交諒易公飼司餓、壓A訴B葉S倦,藍(lán)F辮X家,罩衍態(tài)生蔥產(chǎn)檢品啄等其壤他財(cái)尖務(wù)巨服筍務(wù)渠等風(fēng)聚險(xiǎn)械生如命午周肌期腦視旁角發(fā)椅起與與斬獲嶄得交拘易筋咨鴿詢(xún)風(fēng)挺險(xiǎn)冤評(píng)匪估定介價(jià)撈與壁融候資信讀用宜證刻明信纏用泛登尿記風(fēng)伏險(xiǎn)抽管坡理恭及液報(bào)救表支才付供意應(yīng)P繞a在s腹t作d電u良e秧(驢3廚0衣,螞6情0件,披9逝0側(cè)d禿)風(fēng)軌險(xiǎn)自緩萌釋刊–泊N鳴P踏L嬌,膚損擁耗績(jī)敵效滔–菜R問(wèn)O陳A蹲,臥R盛O缸E國(guó),往P劍/筆E部楊署曲及睜回量收貸劃款經(jīng)回鄰收位/斧損責(zé)耗風(fēng)身險(xiǎn)震管潑理新/同B岸a璃s辣e動(dòng)l風(fēng)浩險(xiǎn)之緩請(qǐng)釋(千對(duì)固沖坡、沿證鐮券龍化典、披企皂業(yè)四聯(lián)深合靈組染織追)4信紹用斬風(fēng)福險(xiǎn)違膠約慨風(fēng)赴險(xiǎn)信薪用忌下世降市號(hào)場(chǎng)夸風(fēng)壯險(xiǎn)利驚率曉風(fēng)飯險(xiǎn)流稍動(dòng)依性罷風(fēng)烘險(xiǎn)資雞產(chǎn)窄負(fù)籠債鳴管傷理操談作嘗風(fēng)項(xiàng)險(xiǎn)法停律凱風(fēng)予險(xiǎn)聲幸譽(yù)率風(fēng)櫻險(xiǎn)信絹用筐風(fēng)鉤險(xiǎn)P亭D京/座L攏G親D獅/怎E彩A狼D月/愿M市忍場(chǎng)果風(fēng)密險(xiǎn)V好a唐R珠,南波膊動(dòng)爐性逮,此N碼I觸I提,操洗作吃風(fēng)窄險(xiǎn)A肉M碑A貌,議S剪A杜,濃B壓I沒(méi)A法報(bào)律翻風(fēng)堵險(xiǎn)聲汪譽(yù)每風(fēng)無(wú)險(xiǎn)對(duì)醬沖信謊用員衍喉生鳥(niǎo)產(chǎn)帖品(嶺C很D妄O夢(mèng)/固C本D包S減)利筒率忙衍廉生攏產(chǎn)隙品證智券失化M愉B已S末/兄C割M要O淋/標(biāo)A養(yǎng)B紀(jì)S誦/擔(dān)C汽L徑O企縫業(yè)貴聯(lián)湖合高插級(jí)礙/姜初啄級(jí)笛/列權(quán)濫益資餡產(chǎn)拐部檢署塔及質(zhì)重滾組R鄉(xiāng)豐A網(wǎng)R升O胸CE揀P散SS黑V化AE哈V眨A外勿部金鋼融踢監(jiān)溫管莫法督規(guī)(符B概a仁s抬e闖l夸I牢I外,腸S竄a減r鄉(xiāng)豐b覆a辱n餓e劫-香O求x滋l禿e叛y座)持?jǐn)z股允人客卻戶(hù)內(nèi)咬部組且合L欺O鞋B高冶級(jí)鑼管拆理董浸事袋會(huì)風(fēng)凱險(xiǎn)某管床理逃政駝策維與奧流纏程風(fēng)積險(xiǎn)孔管水理棉流征程帽(司監(jiān)戴控鐵、蒼執(zhí)攔行睬和言實(shí)現(xiàn)施粥)A狐L里L(fēng)您L認(rèn)(墨貸嶄款賺和橡租用賃骨損睛失西備蠅抵道項(xiàng)保)準(zhǔn)泳備似金資迷本破配攪置經(jīng)貓濟(jì)武資林本I換B岸M佩提仗供哲端陰對(duì)葉端喜的疾全版面果風(fēng)駁險(xiǎn)蒙管正理英解芝決施方箱案風(fēng)管險(xiǎn)擊識(shí)獻(xiàn)別風(fēng)牽險(xiǎn)滅評(píng)蛛估組繡合役管充理績(jī)置效隆管確理報(bào)中表5目燒錄風(fēng)那險(xiǎn)僅管膏理艷，層數(shù)源據(jù)膚和椒經(jīng)斤濟(jì)席資值本信硬息穿管等理信度用灑工趨廠信扁貸暈定鑒價(jià)草：潔經(jīng)夢(mèng)濟(jì)吃資環(huán)本陪和比信京用省風(fēng)痛險(xiǎn)基管燙理坊的兔紐郊帶生黃命恥周要期場(chǎng)風(fēng)幻玉險(xiǎn)漫定繡價(jià)風(fēng)訪險(xiǎn)偷管背理友問(wèn)鏈題人互力幼資妻源堵管虧理檢給臘風(fēng)昂險(xiǎn)攔管薪理斥帶搶來(lái)尼的怖好嶼處結(jié)毫論6數(shù)銹據(jù)盞管萄理憑：闊B轟a滋s湊e賢l漏I送I某合烘規(guī)筆的宗一艘個(gè)折關(guān)懂鍵竟因珠素挑舌戰(zhàn)頁(yè):識(shí)頓別脫數(shù)軋據(jù)定夏位板操鋤作拿系吩統(tǒng)進(jìn)數(shù)觀據(jù)理診解艱數(shù)化據(jù)開(kāi)結(jié)郵構(gòu)提鴨取牌和坡交竭換嗓數(shù)塘據(jù)整目理唉數(shù)巨據(jù)選災(zāi)擇紀(jì)數(shù)塑據(jù)煌庫(kù)番管相理歲系庸統(tǒng)快端速扣的辦訪遙問(wèn)掛數(shù)喬據(jù)存?zhèn)鶅?chǔ)時(shí)風(fēng)塘險(xiǎn)彼計(jì)釘量愁和旁分魄析身結(jié)曠果報(bào)會(huì)告讓結(jié)崇果鄉(xiāng)豐的斥調(diào)縫整即色時(shí)碧分爛析網(wǎng)處聽(tīng)理太能箱力數(shù)鮮據(jù)靜挖旬掘S弱o緩u孟r公c批e飾:I器B扮M膚I略n桌s標(biāo)t罰i方t大u熱t(yī)求e蚊f昨o接r明B享u沈s核i輸n煎e(cuò)串s叉s說(shuō)V字a巧l爺u盛e闖a歐n奪a堆l敞y世s拌i圖sB釘a短s餡e緣瑞d桃o鴿n純i廚n名t肺e傾r仿v哪i掃e注w售s罵w學(xué)i烤t剖h座3沈2刺F嗽i數(shù)n撒a評(píng)n厲c始i藥a音l賀i伏n爹s增t吸i熄t態(tài)u予t常i挪o將n染s峽w系o應(yīng)r勾l尤d境w足i殲d篩e7在盾各件種和系堵統(tǒng)陡中許存橋在浴多深余裹或弱矛戴盾摩數(shù)歉據(jù)對(duì)顧源羞系朗統(tǒng)節(jié)的鍋多味接炸口足是涂巨求大凍變欣革悉努覆力爪的寄主哲要柱原服因境之殊一報(bào)勸告準(zhǔn)工具具壘、疫方賺法誦論/功邪能襖和途數(shù)陰據(jù)未倉(cāng)稼庫(kù)埋沒(méi)蠅有港合拴理漿的借分走離社，眨常聾常嚴(yán)多雨余舊頂?shù)谋吭辞蛳滴褰y(tǒng)悔頻鴉繁膽產(chǎn)插生橫額佩外紫復(fù)他雜存性I竹n急l芬a米n名dP期B頓C贈(zèng)&障C據(jù)BF帥/競(jìng)CD晨r療K艦WA廁u抄s絹l剛a造n炸dT穩(wěn)?折c磚h醒t乖e的rK評(píng)D家IK宜D嚷U抓/慶K園R丟DF皺I怒F織9岔3幫0S肥A露K恨/酸C鍛R偶PK途W(wǎng)伶VK饅D識(shí)AK辟D鉛VW鈔E債GK詠D陽(yáng)O鼓/收K近D袍RH末G耀DE復(fù)L烈B堡AF刪C剪R按W麥IW抱P是DW架E侍R洲SM京A蓄B翼I裝L車(chē)A恭/B衛(wèi)O賺R手I電SO撞L壺BA危M令I(lǐng)A許I射D括AA僻D牛BD取K滲WR峽e煎u稠s鉆c冒h飾e電lM落a摸n債u哥e贊l柏l牢eG阿e窩s神c豈h奴?呆f喘t燙eC宋a毯l爸y俘p姜s掙oP瘋R稿O捏F側(cè)I亦TD終r趟e域L冠U辦XC輪O飾MF話O勿R傳W明A溉R誕DF貓I涌D帥/劑F光I碑NM妹I浙D隔A雕SD梅B眉L拌AG責(zé)l錢(qián)o妨b山u克sC步O嗓R融D邪O理B概AS匠E觸B寸I慘O仆SK即D宮DP匙A隱DA魄N卡L表O思S診/淚A屠C里B險(xiǎn)SM藏A房誠(chéng)R晃C吵X饒/拆B(yǎng)堂FB育FI搜N然VT父E新AK揮D覽WR嫂e縮慧p關(guān)o里r便t架sM稼W尋DC充D集SM汁K俗BC贊A木DC它R鍬I被SD培C啟L功/選R洽W茅SF咸u突n勒k侮t龜i撿o俘n節(jié)e研nL典O跌B(niǎo)斧XF惜i革n展a康n脆c今eL電O沃B啊YR掏i成s狐k婚M穩(wěn)a釀n憶a孔g梨e封m擠e把n路tI牲N蒸V報(bào)耽告罷，竿戰(zhàn)還略跨和長(zhǎng)風(fēng)巴險(xiǎn)倚頭表寸功諸能源掀系號(hào)統(tǒng)對(duì)額很未多成中才國(guó)儲(chǔ)銀酬行耳來(lái)章說(shuō)肺，詞主談要頌挑制戰(zhàn)盛是勉如熱何切克引服泛由倆于越缺宵少業(yè)系夠統(tǒng)柴架寬構(gòu)頭而擾導(dǎo)聲致壁的劫不蒙良映數(shù)破據(jù)麥質(zhì)恭量近以敬及配風(fēng)怎險(xiǎn)現(xiàn)管娛理遲所棵需帥的扶高犯額寸費(fèi)騾用業(yè)己務(wù)膠方光重毀復(fù)青報(bào)拼告蓮的撐矛梅盾8對(duì)吳于烈信崗貸煙風(fēng)挪險(xiǎn)懶，項(xiàng)I單B雨M增將韻會(huì)半幫暢助湖其擊客慘戶(hù)籮架四構(gòu)狡系找統(tǒng)深管覽理靜體通系信各貸校數(shù)煮據(jù)掉集換市為售積牢極烈管竄理暴信位貸楊數(shù)奧據(jù)剪，旁識(shí)還別漿信旁貸訓(xùn)數(shù)氏據(jù)如源立，桂角肥色循和永職并責(zé)四分孤配爺構(gòu)儲(chǔ)建米合朗適徐的肆管領(lǐng)理門(mén)結(jié)娛構(gòu)建易立款信膛貸螞數(shù)故據(jù)斷標(biāo)轎準(zhǔn)皆定功義堤，脾數(shù)裹據(jù)瓜需悶求羨計(jì)沾劃光，妹數(shù)寺?lián)p質(zhì)潑量左管描理廁，攪數(shù)要據(jù)孩安撿全減管早理提慕高削數(shù)次據(jù)術(shù)管聾理替工仗具旅和抵方箱法略論砍以現(xiàn)提代高劃數(shù)國(guó)據(jù)熊質(zhì)缸量境和幸風(fēng)貿(mào)險(xiǎn)恥輸堪出眼的籮分分析飛，齒同硬時(shí)錢(qián)從原銀糊行授的扇現(xiàn)或有殺系舞統(tǒng)恢中股抽憶取豬和誓整久理癢信俘貸舒和插交洋易頑對(duì)疲手男數(shù)灑據(jù)1提所高谷信瞞貸眼數(shù)國(guó)據(jù)縱管烈理在挪開(kāi)書(shū)放丟的梳框安架漂上帝建狼立宇數(shù)央據(jù)愁存杏儲(chǔ)雄，忙同呼時(shí)具支仁持毛和旺信漫貸訂程會(huì)序虎相增關(guān)午的四關(guān)麗鍵童功勸能沾領(lǐng)鄭域?yàn)?，?fù)如大關(guān)儲(chǔ)系鏡管芳理起、款盈搭利渣、繡擔(dān)河保造品沈、庭資袋產(chǎn)確負(fù)涉?zhèn)l(wèi)管哀理2建憲立當(dāng)信庸貸何數(shù)獎(jiǎng)?chuàng)准仁懈某蛇M(jìn)稅機(jī)技遇關(guān)鼻鍵則領(lǐng)刃域信用風(fēng)險(xiǎn)/資產(chǎn)組合分析核心銀行系統(tǒng)(與借貸相關(guān)的流程)EAI技術(shù)架構(gòu)貸款發(fā)放(貸款申請(qǐng),信用審批,信貸文書(shū)確認(rèn)與信貸簽署)信貸服務(wù)(信貸用信,償付流程,帳戶(hù)結(jié)清)風(fēng)險(xiǎn)集中度組合管理信用評(píng)級(jí)遷移大額暴險(xiǎn)管理交易對(duì)手風(fēng)險(xiǎn)分析國(guó)家風(fēng)險(xiǎn)分析行業(yè)風(fēng)險(xiǎn)分析損失預(yù)測(cè)基于VaR的分析敏感性分析壓力測(cè)試分析模擬技術(shù)資產(chǎn)組合監(jiān)控資產(chǎn)組合分析資產(chǎn)保全流程(欺詐監(jiān)測(cè),信貸追繳,貸款重組,信用延期,不良貸款與沖銷(xiāo)流程,抵質(zhì)押變現(xiàn)與管理,資產(chǎn)保值信用控制(客戶(hù)信用評(píng)審,貸款評(píng)審,抵質(zhì)押管理,客戶(hù)限額管理,信貸管理流程審計(jì)&信貸運(yùn)營(yíng)報(bào)告)

還款與追繳記錄貸款帳戶(hù)管理貸款申請(qǐng)客戶(hù)信息文件貸款違約記錄還款與追繳歷史貸款申請(qǐng)與評(píng)分歷史客戶(hù)/信用組合特征信用風(fēng)險(xiǎn)管理數(shù)據(jù)集市DBW信貸工作流程平臺(tái)授信額度控制貸款發(fā)放基于規(guī)則的信用審批信貸流程狀態(tài)跟蹤信貸流程管理績(jī)效報(bào)告信貸文書(shū)管理核心信用風(fēng)險(xiǎn)引擎風(fēng)險(xiǎn)暴露,預(yù)期與非預(yù)期損失風(fēng)險(xiǎn)建模(包括PD&LGD建模)及評(píng)分信用調(diào)整評(píng)估限額引擎決策引擎基于風(fēng)險(xiǎn)的定價(jià)RAROC,策略模擬邊際風(fēng)險(xiǎn)評(píng)級(jí)/評(píng)分限額設(shè)置限額監(jiān)控限額使用審批公司財(cái)務(wù)分析基礎(chǔ)分析與擴(kuò)展財(cái)務(wù)比率分析歷史財(cái)務(wù)分析未來(lái)現(xiàn)金流預(yù)測(cè)信用風(fēng)險(xiǎn)系統(tǒng)核心應(yīng)用信貸報(bào)告(報(bào)告與特別查詢(xún))數(shù)據(jù)挖掘(數(shù)據(jù)挖掘,模型驗(yàn)證與測(cè)試)針申對(duì)思信買(mǎi)用濁風(fēng)殊險(xiǎn)舌，棕R缸&接C旦將坐幫潮助肢客伏戶(hù)茄建法立尿相求關(guān)鐵的使管欠理駁架銀構(gòu)1捉0多梯余上數(shù)鳴據(jù)鼻被序清燃除孟，晃數(shù)碌據(jù)享合喂并填變才得械更相容灑易蹈。世僅產(chǎn)僅堵要盼求參匹斗配因變拐化嘩的償市箭場(chǎng)摩的繳變射化煩。源集系質(zhì)統(tǒng)竹和迎功猜能烘間減的該接沿口分已超經(jīng)獨(dú)恢兔復(fù)數(shù)并造成揚(yáng)為頭變昏革利努暮力特的耐主借要毫結(jié)沸果報(bào)咐告慰工電具竟、戶(hù)方綠法攪論/功趁能凡和葬數(shù)舊據(jù)牛倉(cāng)賓庫(kù)彈沒(méi)睛有梢合鳴理小的邪分株離費(fèi)，原常趣常抱多砌余源丹系禮統(tǒng)偷已信經(jīng)酒合累理葬化就同閣時(shí)脾報(bào)掏告磁構(gòu)憂架算變榜得春更逢簡(jiǎn)頭單K均D面IK爺D仙U咱/鼠K膊R鴉DF若I修F驚9簡(jiǎn)3都0S貪A只K棕/閃C貌R芒PK蔬D竄AE啦L純B竊AF淘C赤R歪W規(guī)IA簡(jiǎn)I淡D遠(yuǎn)AA廣D霸BD頓K家WR北e繞u憤s貌c狡h撕e替lP壩R趙O敏F章I統(tǒng)TD赴r糠e酒L教U獨(dú)XC紅O往MC仍O(shè)確R馳D質(zhì)O絞B謎AS覆E亮B柔I長(zhǎng)O間SK核D真DP縫A默DM汪A臣R鴉C乎X礙/賓B荒FR菜e銹p耽o螞r葵t言sM回W彩DC攪D燦SM淚K捕BC精A水DC維R懶I蟲(chóng)SD辮C杏L觀/拋R究W量S報(bào)唐告隙，駛戰(zhàn)澆略心和怠風(fēng)上險(xiǎn)壇頭移寸功貪能源挑系統(tǒng)統(tǒng)由蔥于舒正室確仍的們架龍構(gòu)菠，液結(jié)喘構(gòu)展圖攔將演變端的成更膛為撒簡(jiǎn)綠單遇并信且收易寨于曾控旨制常。殼數(shù)設(shè)據(jù)氣質(zhì)珠量獎(jiǎng)大猾大循提濃高驗(yàn)，灰同枯時(shí)衫風(fēng)制險(xiǎn)砍管蒼理練的帶費(fèi)窮用涼也腰顯掛著乞降保低業(yè)燭務(wù)漁方檢的佛矛廢盾減和孟重延復(fù)況報(bào)豈告黎已敢經(jīng)委被鹽消錢(qián)除1臨1目郊錄風(fēng)確險(xiǎn)灶管文理谷，該數(shù)們據(jù)秘和捧經(jīng)替濟(jì)蔑資蚊本信聲息稱(chēng)管綁理信嘉用飛工驢廠信美貸嘗定礎(chǔ)價(jià)樹(shù)：垂經(jīng)隸濟(jì)瞇資扇本勞和格信吐用蛙風(fēng)徑險(xiǎn)出管等理秒的多紐朋帶生北命金周馳期提風(fēng)搶險(xiǎn)裹定跌價(jià)風(fēng)貼險(xiǎn)并管騎理永問(wèn)復(fù)題人靈力尾資盞源度管夏理?yè)踅o軌風(fēng)曲險(xiǎn)愚管犬理哄帶騎來(lái)塑的蔑好郵處結(jié)祖論1鼠2事幕務(wù)巴處擦理管特理仆銀瞎行虎資串產(chǎn)盛負(fù)兵債斗組棉合燙的播組浴成限要軍素二票級(jí)顯市激場(chǎng)輛管固理銀眾團(tuán)趴貸帥款信耕貸關(guān)衍辯生駐品結(jié)迷構(gòu)貌交兩易C吊D小Os發(fā)曾起積賽極狀的品組蕩合贈(zèng)管摟理二尿級(jí)風(fēng)市彈場(chǎng)長(zhǎng)產(chǎn)夸品資落產(chǎn)擾組艱合信猛貸客竹戶(hù)分況行資途產(chǎn)劫負(fù)鼻債皮管駁理二隸級(jí)繭市豆場(chǎng)一粒級(jí)污市挖場(chǎng)交確易啊處伍理財(cái)燒務(wù)勵(lì)控癢制產(chǎn)頸品格控縣制帳豈戶(hù)匙管督理行翻為洲計(jì)壇分損失計(jì)分反愉應(yīng)裕計(jì)埋分信坡用禾風(fēng)比險(xiǎn)序管廢理實(shí)高施蠅計(jì)蝴分預(yù)憂警院管偷理收陪集廚計(jì)中分1室3資匠產(chǎn)呈組燒合嗚的遭商投業(yè)監(jiān)目哀標(biāo)增灶加蜓收亡入通右過(guò)屈交浴叉紫銷(xiāo)所售賣(mài)和臂往孕上曉銷(xiāo)縮慧售倦增燥加諒收膛入通站過(guò)披戰(zhàn)裝略亮的威線訴性復(fù)管馬理滲項(xiàng)世目倦增窄加剩收奔入通譯過(guò)友目離標(biāo)票年穩(wěn)金你戰(zhàn)憤略千增徑加閑收駝入最娃大乏限吸度刊的警業(yè)匠務(wù)敘重餅復(fù)提薦高凳客太戶(hù)鈴服塑務(wù)優(yōu)極化坊程垮序工揮作描管你理送和筍人襯員犯有金效穴利蘭用降雪低添過(guò)豪失積和削沖訪銷(xiāo)控問(wèn)制藍(lán)操奶作堪成碼本降輕低裝法聚定陶損血失趁準(zhǔn)槳備縫金降掀低疑高呼風(fēng)覆險(xiǎn)控悶制楊損昆失工叮作伯量魂控荷制宏管煉理人喚員嘉的露有頌效銳利摸用降嘉低泊過(guò)朱失降構(gòu)低景沖渡銷(xiāo)控沾制爬操?lài)樧魑鸪煽癖窘抵蟮投悍ㄇ贫ㄌ翐p箱失薪準(zhǔn)念備餐金降保低毅高浴風(fēng)榜險(xiǎn)提羅高隱收疏益油率增門(mén)加遇高粘收魯益命收再益降漠低味過(guò)駁失棄和恥損獄失降鄙低罷征暮收判成似本1付4信體貸炸資起產(chǎn)步管址理征流卷程信用逾期記錄還款及催收記錄信貸申請(qǐng)及評(píng)分記錄客戶(hù)/資產(chǎn)組合特性信忘用炕風(fēng)悅險(xiǎn)紗管厭理嗚數(shù)挎據(jù)坦庫(kù)風(fēng)險(xiǎn)集中資產(chǎn)組合總結(jié)信用評(píng)級(jí)提升大額風(fēng)險(xiǎn)管理對(duì)手風(fēng)險(xiǎn)分析國(guó)家風(fēng)險(xiǎn)分析行業(yè)風(fēng)險(xiǎn)分析損失預(yù)期資產(chǎn)組合監(jiān)控資接產(chǎn)碼組潛合叮分運(yùn)析(黨C抖R城S糟)VAR分析敏感分析壓力測(cè)試分析

仿真資產(chǎn)組合分析行業(yè)風(fēng)險(xiǎn)評(píng)分資機(jī)產(chǎn)飯組頓合勸及黃風(fēng)蘆險(xiǎn)顆管仔理段戰(zhàn)爐略戰(zhàn)孤略筑矩妻陣確顧定忠當(dāng)嫁前蹦周度期煌階冷段表漠現(xiàn)諒仿跪形戰(zhàn)拜略念評(píng)蝴估犯比恨較選什擇蟻合暴適奔戰(zhàn)赤略實(shí)跌施待及通管耽理1域5目雀錄風(fēng)減險(xiǎn)孫管土理沫，擠數(shù)島據(jù)墓和征經(jīng)驅(qū)濟(jì)聲資野本信塞息陷管棒理信棉用朱工京廠信神貸匙定關(guān)價(jià)臂：華經(jīng)情濟(jì)貨資凱本避和繩信噴用減風(fēng)蜓險(xiǎn)棉管陪理間的斑紐車(chē)帶生叨命桌周謠期辮風(fēng)詳險(xiǎn)原定源價(jià)風(fēng)敬險(xiǎn)棄管滑理不問(wèn)鍵題人贊力立資撞源期管皺理搬給可風(fēng)悲險(xiǎn)姑管鑄理旨帶勇來(lái)僑的別好序處結(jié)情論1泳6資暫金設(shè)成脖本貸膊款洪的弄單攤純棚資皇金仁成凱本信逐用坊溢默價(jià)信聲用乞違藍(lán)約立可慣預(yù)痛測(cè)毀損齊失竟的而準(zhǔn)叼確污評(píng)稻估加繭價(jià)利連差限為托銀喬行蜻的轎貸溜款折收子益運(yùn)餓營(yíng)蠅成寨本銀杏行物運(yùn)墳營(yíng)妙的騾總拆成套本(鞋a饒t殖b羅r盈a漢n岔c土h港a筋n疑d知h泉e誦a果d尊-挪o幣f閘f欄i萌c掌e去l母e錄v續(xù)e萍l鍵s剃)貸借款竄的喬準(zhǔn)幼確器定冷價(jià)絕至預(yù)關(guān)卸重小要分依行邊如轟何響運(yùn)習(xí)用縣這廣些善工配具距來(lái)雕增藝加敬其正收皮益豎和醉利得潤(rùn)總蔽行漸如悟何講更貪好撕的灶管丘理甩來(lái)按自搏系姓統(tǒng)因性淘因暈素肌的粱風(fēng)靈險(xiǎn)也敞處口客殊戶(hù)末關(guān)母系五管讀理信鍛用魄風(fēng)禍險(xiǎn)資叨產(chǎn)腔負(fù)慚債相管伯理貸養(yǎng)款滴利溉率葉定糊價(jià)1曠7為叮銀斬行薪帶茂來(lái)棉利指潤(rùn)串的淘決葵定御性購(gòu)因自素拉決法定婆了站貸布款給利燒差科，迷銀派行枯需蹦要膝將押這擇些阻因揪素惰轉(zhuǎn)教化屆為冠優(yōu)哭勢(shì)No.

利潤(rùn)驅(qū)動(dòng)的主要因素描述+veve

競(jìng)爭(zhēng)力1客戶(hù)細(xì)分在客戶(hù)群中對(duì)特性有更好的理解，公司能更好的管理風(fēng)險(xiǎn)暴露2產(chǎn)品差異化如何實(shí)現(xiàn)銀行和其他銀行的差異3其它銀行分行的競(jìng)爭(zhēng)在相同市場(chǎng)面對(duì)相同客戶(hù)，多少個(gè)銀行那個(gè)在提供同質(zhì)產(chǎn)品4潛在的進(jìn)入壁壘競(jìng)爭(zhēng)對(duì)手竟如市場(chǎng)的難易程度5產(chǎn)品可獲性跨區(qū)域競(jìng)爭(zhēng)6人民銀行控制基于人民銀行基準(zhǔn)利率的國(guó)債的貸款利差和存款

風(fēng)險(xiǎn)1信用評(píng)級(jí)什么是借款人違約風(fēng)險(xiǎn)2抵押交易什么是貸款擔(dān)保帳戶(hù)3有效的抵押品管理抵質(zhì)押管理的有效性和評(píng)估流程4更少的經(jīng)濟(jì)資本(對(duì)于預(yù)期損失)EC非預(yù)期損失的資本帳戶(hù)5與全面的銀行資產(chǎn)負(fù)債表的關(guān)聯(lián)資產(chǎn)組合中的有多少貸款在同一地區(qū)和行業(yè)

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PD,etc核差心鼻銀身行澆業(yè)閘務(wù)管疑理支我付監(jiān)爆管陽(yáng)約鮮束市妙場(chǎng)粒約栗束資脫產(chǎn)轉(zhuǎn)組憲合早的煤信用風(fēng)摘險(xiǎn)偽管份理產(chǎn)格生上組覆合P脾D祥,外E狗A營(yíng)D素,L篇G嘉D彼,相墓關(guān)縱性a手n械d溪c刻V供a史R資神本貌和早儲(chǔ)夢(mèng)備嬸金分嘴配湯和昆限肚額夕設(shè)辨置壓名力騰測(cè)柴試2齊4目勺錄風(fēng)呀險(xiǎn)敞管解理旦，揚(yáng)數(shù)滋據(jù)付和敢經(jīng)茄濟(jì)借資辣本信交息稀管亦理信棵用蹈工漸廠信襖貸承定民價(jià)扮：閑經(jīng)飼濟(jì)副資巡壽本紀(jì)和蔬信陷用豆風(fēng)彈險(xiǎn)圓管井理樸的鄙紐皇帶生倆命嘆周貼期奶風(fēng)寄險(xiǎn)螺定栽?xún)r(jià)風(fēng)置險(xiǎn)晴管歸理化問(wèn)疼題人弱力井資召源堅(jiān)管滋理置給熊風(fēng)券險(xiǎn)惜管坦理坦帶鏟來(lái)磨的辛好就處結(jié)建論2其5風(fēng)熟險(xiǎn)巧管利理器問(wèn)希題對(duì)付隱瀉私址、疤安森全珠性腰和顫各他種拘風(fēng)類(lèi)險(xiǎn)轉(zhuǎn)更螺高僅的假需意求騎要術(shù)求考金箭融概機(jī)熔構(gòu)掙采薦取舌更港積巨極聲主杠動(dòng)脆、恐全夕公斷司裕層足面市的機(jī)方超法拐對(duì)勢(shì)內(nèi)北部可控血制浩、粘法開(kāi)律潛合面規(guī)臂進(jìn)肝行精管歸理農(nóng)。通名過(guò)心提束高生透額明型度帽、喜加郵強(qiáng)梢內(nèi)授部鈔控雪制鋼、泄遵破守爸合夕規(guī)響和選提東高鋸信哪任第度化來(lái)煌增想加研銀梁行名價(jià)妹值蹈。提鳥(niǎo)高弦透務(wù)明盡度狠非糠常嚇關(guān)扭鍵飄，霞不輛僅敲是燃監(jiān)垂管劑當(dāng)嚴(yán)局爪和洋客侍戶(hù)居的陷要痕求澇，殲同混時(shí)凈也延由嫌于翅業(yè)你務(wù)岡?；偷负凸毯辖雷髌顷P(guān)粥系軍的漏協(xié)疊同伍關(guān)甘系俯的洪出態(tài)現(xiàn)邁。風(fēng)鼻險(xiǎn)恥管琴理尋和毅監(jiān)鉆管任合殃規(guī)憑要盞求膚有證更曠迅吹速濤、毅準(zhǔn)富確納和煙完震整像的涌數(shù)電據(jù)附，亭同母時(shí)康也紛要店求加員趨工肺和奮管負(fù)理池對(duì)客金再融寶機(jī)憤構(gòu)逝、掃監(jiān)應(yīng)管家環(huán)妨境腥有軌充近分肢的膽理馬解源，瘡更始重顏要神的猶是促在歪組預(yù)織緣瑞范睛圍嫂內(nèi)右對(duì)伴自踐己露的增角石色擊和訊職惰責(zé)姐的嘗理北解尊。對(duì)筆于深金負(fù)融述機(jī)久構(gòu)棍，泰關(guān)辨鍵挨是灑通通過(guò)胡拓逆寬訓(xùn)專(zhuān)或業(yè)重領(lǐng)站域泉，驢從輪軟封件茄解寇決勉方望案陡實(shí)聽(tīng)施貸。尋解英決觸特吧定紐奉問(wèn)展題熱或截遵搖守甘監(jiān)忙管醉、病法般規(guī)案，仰包艘括霧推令動(dòng)杯全燭行接人樣力及資氣源特開(kāi)性發(fā)灶和顫培請(qǐng)訓(xùn)黨以欄幫濃助古銀惑行吵增病加限收尖入搬和潔利限潤(rùn)癥，逝更現(xiàn)有固效唱對(duì)程業(yè)調(diào)務(wù)原進(jìn)冠行碌管柳理摘。進(jìn)朝一急步緊，釋中提國(guó)撈的捧銀座行漆最繞為覆緊版迫物和幕關(guān)吊鍵雅的房誠(chéng)是喪人遲力繡資緞本獲的冠發(fā)殿展摸。2羽6風(fēng)定險(xiǎn)拋管聚理槐問(wèn)幣題專(zhuān)痛業(yè)羽知滅識(shí)如琴果紀(jì)沒(méi)嶄有績(jī)輔隊(duì)以暑專(zhuān)綢業(yè)截知傅識(shí)拆，析即豬使管擁爛有道世端界泊一客流拘的經(jīng)系脈統(tǒng)肯，涉也宴沒(méi)掏有施多嘆大醋的袖價(jià)糧值鋒。朵金眉融燃業(yè)模務(wù)辮越服來(lái)免越畢復(fù)叼雜煮，龜它帽要糊求重對(duì)盼銀同行良系樹(shù)統(tǒng)壇和加流感程屈有嗓充孩分定、險(xiǎn)深鳳入業(yè)的濃理唱解毯尤困其磁是急風(fēng)行險(xiǎn)衣管趣理租。人動(dòng)力逢因載素內(nèi)撇部棵良排好載監(jiān)壞管薦的岡成家功者實(shí)音施冬，戒最效重今要滴的壁因帽素項(xiàng)是翻員撥工儀忠鼓誠(chéng)尺度刻，思但游它彈同鉛時(shí)詠也泡是火最糕容蔽易廁被穩(wěn)低邪估段和語(yǔ)最課難輪控期制奧的呆。招拒聘高面質(zhì)慎量夸人留員究的破招薯聘京，封即斃擁雹有首很擠強(qiáng)唉價(jià)福值仁和鴉忠奔誠(chéng)技度鬧，優(yōu)以躬及迫幫喇助驚這吩些京員況工鋤理胃解糟日她常悼業(yè)忘務(wù)宴重星要遭性系和巴核徐心貌價(jià)帖值沿的團(tuán)培艦訓(xùn)鄉(xiāng)豐投陜?nèi)腓T是努聯(lián)學(xué)系就一武個(gè)尖成扣功名流割程煉的杰所錯(cuò)有斤因奸素械的樣紐稼帶賊。剝由聯(lián)于似缺蜜乏終對(duì)扣銀設(shè)行汽系樣統(tǒng)嘗和噴流折程杏的名了湊解臘或逗人薯員京忠兼誠(chéng)難度辦的腦缺記失街，撕銀桂行京常子常姑發(fā)麗生揉欺挖詐恨事醉件里。培蠻訓(xùn)若和束個(gè)裹人罪發(fā)筑展道訴德滿(mǎn)和暮?jiǎn)T慣工有個(gè)兔人露行致為增的索后悲果瓶培潮訓(xùn)蘋(píng)是潑現(xiàn)游代蕉公毯司宿管旁理歪的螞重危要延部匙分催。錢(qián)但尺是路不欄僅擴(kuò)僅閥是油道拖德疏和中遵慰守盜法梯律漫法豆規(guī)杰，鮮對(duì)芳于隆遵鐮守規(guī)法瞞律站法填規(guī)顏，泊員超工孤需黑要傲在脫道彈德欠基呆礎(chǔ)森上嫩理袋解選銀牽行免業(yè)步務(wù)遞。咬減征少礙風(fēng)壩險(xiǎn)孕不筑僅瀉僅場(chǎng)是說(shuō)靠翠安鬧裝崖和損監(jiān)澇控宗世木界秒一移流宿系懶統(tǒng)餅，互更努重址要據(jù)的南是休人究力倒資赴源繩的拜管密理讀—啞即徹嚴(yán)蹈格寄的評(píng)招霉聘子、域?qū)嶟敃r(shí)椒的忠人述員談培百訓(xùn)炮和械個(gè)霸人惜發(fā)亮展每。2研7風(fēng)僻險(xiǎn)環(huán)管駐理吃問(wèn)仁題創(chuàng)弓新經(jīng)椅濟(jì)沉的狹變質(zhì)化菌帶惡來(lái)攀中嶼國(guó)復(fù)銀件行抄業(yè)沉發(fā)乞生寸巨方大杰的料變伯化捆，逗銀純行巨人債需芝要旋能踢因棉時(shí)叨而洗變占，佩需治要附以蒙更爛廣蟲(chóng)闊座的窄視層野露去圍尋蒸找兼新培的蘿方稅法艷提畝高箱業(yè)筆務(wù)劉水學(xué)平浸。乳良最好謀的劇人貪力疾資廊源最管縫理透能該夠棵使喂員戴工吊接啞受嫌變襲化戴而稻不捐是態(tài)恐拼懼受變膜化珍。方牙向年、墳關(guān)梨注單點(diǎn)債、垂使真命銀威行烘職挖員鞋常晨常范不座知鴨道茶銀染行映的繭目蹤蝶標(biāo)摸。珠信燈息也不譽(yù)足械導(dǎo)搞致松不道能搞確騰保緒銀戰(zhàn)行核和器員智工摧朝取正惡確錦的伴方趕向律努援力綠。桶良汽好猜的澡人谷力任資礦源感管襯理抬能踐夠召確勒保辰正影確揀的幼信脆息暫、姨流安程否和漁系窄統(tǒng)殖用恰于形銀騰行撈的梳優(yōu)燦勢(shì)幻玉方潑面針。運(yùn)火營(yíng)框效主率提頸高悶對(duì)繼銀壓行暈工芹作非、滔員票工塌職島位月和犯目洪標(biāo)勾的許理般解眾有耍助豬于贈(zèng)增郊強(qiáng)盼運(yùn)傲營(yíng)蟻效示率陜、福減釀少尿錯(cuò)仰誤蝕和烏損鐘失廳。朝良刻好男的葵人涉力狂資規(guī)源桂管隸理葡能染夠丈提鑼供廚工鞭具屑和才技還巧悔實(shí)染現(xiàn)販這剩個(gè)獻(xiàn)目涉的恨?？托銘?hù)棍服吐務(wù)稻質(zhì)腦量充語(yǔ)分騙立設(shè)交且自加己壇角崇色辭的維員逐工很可棄以沸提盡供洋更饅好鹿的測(cè)客拋戶(hù)凳服胖務(wù)顯和耍產(chǎn)捕生退更榨好持的銷(xiāo)客妙戶(hù)筒滿(mǎn)令意斜度幸。撓這糠對(duì)留于怪在獲市減場(chǎng)他上冠有濾效命競(jìng)刮爭(zhēng)機(jī)非乏常志關(guān)協(xié)鍵咳。冒良鼻好餓的乳人椅力腔資右源肥管徒理爛能迅夠揪使塞員晉工撐理信解敬客題戶(hù)額的約重濱要瘋性乓同遺時(shí)樸也卷知鐵道乎如犯何擋幫俊助梯員綱工攔。監(jiān)渡管愚和撐合寶規(guī)良眼好敏的沒(méi)人券力州資廊源退管添理艇應(yīng)燭該掙給訂員病工恰灌背輸倘銀腹行親價(jià)瀉值糠、惹環(huán)殼境檢、陜社憐會(huì)絨角隸色漆和初對(duì)坊社訓(xùn)會(huì)配的具義侮務(wù)蔽職址責(zé)中。2斗8目諷錄風(fēng)怖險(xiǎn)捷管料理害，都數(shù)印據(jù)還和光經(jīng)晉濟(jì)繳資嚇本信靠息殊管姨理信痛用閣工摟廠信獵貸口定墳價(jià)粉：躍經(jīng)兄濟(jì)隆資溜本色和臉信太用益風(fēng)燈險(xiǎn)回管交理哈的緒紐諸帶生啄命牛周救期喉風(fēng)照險(xiǎn)唇定更價(jià)風(fēng)像險(xiǎn)恒管榆理慣問(wèn)襖題人脊力哲資靠源鏈管知理突給借風(fēng)積險(xiǎn)絮管從理嘆帶蠢來(lái)假的凡好木處結(jié)擾論2燈9人義力天資曬源辛管嗎理站給鼓風(fēng)舍險(xiǎn)劫管壇理艱帶餃來(lái)戶(hù)的種好圍處員患工漠個(gè)膀人辜發(fā)蹤蝶展有繪很乳多凝因厚素痰可希以礙激子勵(lì)爹員惕工雖，鑼但行是躁關(guān)犬鍵禮的速是帳自熱我派價(jià)墊值當(dāng)感拾。日培寸訓(xùn)蝕應(yīng)插該減向痛員絨工往灌屢輸收每司個(gè)課人蛙對(duì)奇公耐司縫的濤價(jià)褲值辭。妙好比的品人把力烈資磨源府管燒理膽應(yīng)塔該粘能呆幫賓助話員漫工趣提威升爸自竿己奪。結(jié)糖果禁導(dǎo)哭向如湯果究沒(méi)卷有壟恰誼當(dāng)板的與組垃織甘框藥架截，黃信坊貸新職拍員鑄很籮容起易賠忽親視皂他犧們分最捉主旱要邀的喜職培能垮—且為驕銀脂行甜盈輪利挽。辰人范力徹資泳源牙管羅理晶應(yīng)婆該抹幫古助負(fù)信乳貸蓬人肥員型理相解捆績(jī)販效裁和沾他熱們足行童為讓的萍后泰果押。領(lǐng)對(duì)導(dǎo)姥力每片家痛銀撿行難都坡想工培泛育趴未齊來(lái)老的傾領(lǐng)程導(dǎo)支者屯，兔良餅好斑的任人蓮力扭資技源燥管懷理毅應(yīng)序該皇可肥以缺提形供罷工會(huì)具尸以汪實(shí)木現(xiàn)遍它覺(jué)。團(tuán)譽(yù)隊(duì)尖合棒作信來(lái)貸賞領(lǐng)霸域盒的撒員辭工抹必易須非了志解艱到扭他慰們們是槍專(zhuān)酬業(yè)秩團(tuán)派隊(duì)徹中搖的囑一盡份摸子席，皆不秘可宜能懼單森獨(dú)勤完蠅成追某外項(xiàng)狐工繩作京。緩優(yōu)柳秀趴的泰人枝力曾資園源蹄管胃理遭需程傳頂達(dá)總和友灌遇輸臺(tái)團(tuán)安隊(duì)澇協(xié)次作從意慢識(shí)販以何提莖高覽工珠作捐效怎率靈和穩(wěn)發(fā)亞揮獲員撥工蜜才子智乓。貸假款姓質(zhì)擋量.掠銀劣行愁損貨失污最意薄蓄弱逐的題地墨方條是匙信占貸及，章對(duì)雄客圖戶(hù)撫業(yè)避務(wù)閃或郵環(huán)鴉境陸缺鑼乏擇了妹解睬都之可難能競(jìng)導(dǎo)距致笨重語(yǔ)大作的麻損犧失熄和寨壞器賬夠，爛人萌力染資涂源帶管盤(pán)理知應(yīng)現(xiàn)該茫幫蟲(chóng)助婆信涂貸炊人警員來(lái)理坑解愉貸大款勿的隆動(dòng)云因疏和蔑失環(huán)敗帳的勇貸價(jià)款傲決況策朽帶攝來(lái)承的豆不利利埋影架響疑。3側(cè)0目察錄風(fēng)柱險(xiǎn)恒管期理嬌，由數(shù)泉據(jù)努和重經(jīng)飾濟(jì)塞資僅本信剖息埋管哄理信獨(dú)用陷工濱廠信饒貸籌定夫價(jià)遙：尖經(jīng)扭濟(jì)升資旨本小和吃信吃用撐風(fēng)鬧險(xiǎn)押管秘理厚的狹紐東帶生猜命完周騰期販風(fēng)彩險(xiǎn)待定臘價(jià)風(fēng)止險(xiǎn)環(huán)管島理卷問(wèn)荷題人恩力澡資扇源耕管吵理?xiàng)U給垂風(fēng)夫險(xiǎn)膊管話理鵲帶剪來(lái)罩的表好傅處結(jié)傭論3奔1人催力尤資吸源用管具理的給真風(fēng)等險(xiǎn)蜓管歐理豈帶觸來(lái)多的顏好近處員翅工聽(tīng)忠殺誠(chéng)紛度人暮才肆流矮失慶不昌僅映是境工糟作蹤蝶條中件字原續(xù)因躬，匆如朵薪絹金挎，佩也蘭可酬能號(hào)是娛由屑于狗員汪工貸感朵到包不貝能鞏得釀到篩賞父識(shí)汽和起認(rèn)暫同堅(jiān)。夠它肅會(huì)押對(duì)夜其煎他貍員攻工膨士退氣濁造警成陽(yáng)影興響勉。傍良贏好掩人肥力吳資妄源重管腹理鵲應(yīng)附該篩可題以渡克孕服憑它敏并枕減類(lèi)少所流垮動(dòng)患率震和植增眨加米忠介誠(chéng)柳度性。降押低箱不增良牧貸飯款崗率.巨中諷國(guó)彩不罩良芽貸泡款絹率岔非惕常參高也，項(xiàng)原升因反有催很維多闖（渣政湊策羊貸帝款忽、細(xì)保客持覽國(guó)富有禽企偽