[最新]渣打银行风险治理手册.doc

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bank an orientation to effective risk management & controltable of contents渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研introduction3渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk culture what does it mean at standard chartered3渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研business and risk4渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk principles (also refer database b 101)5渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk types5渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研credit risk5渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研country risk (also refer database b 301 and b 326)6渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研market and liquidity risk (also refer group market risk policy database)6渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研operational risk (also refer database b 501)7渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研compliance risk (also refer database b 601 and b 602)8渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研reputational risk (also refer database b 701 and j401)9渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研environmental and social risk (also refer database b 204)9渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk management framework & matrix of responsibilities9渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk management organization10渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研group level10渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研functional level11渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研country level11渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk policies and procedures11渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研1. group policies11渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研2. functional policies12渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研3.country underwriting standards12渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研risk pricing13渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研economic profit13渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研measurement tools13渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研pricing guidelines13渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研management of customers/counterparties14渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研target customers14渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研name lending14渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研money laundering know your customer (also refer database b 507 and b 534)14渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研types15渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研i.corporates15渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研groups (also refer database j 202, j 203 and j 206)15渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研lending to holding companies (also refer database j101)15渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研subsidiary companies (also refer database j 207)15渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研ii.banks16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研banks and financial institutions (also refer database j 154, j 155, j 307, j 804 & j 806)16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研iii.governments16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研governments and government owned companies (also refer database j 204)16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研iv.investment institutions16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研funds, fund managers and hedge funds (also refer database j 807 and j 808)16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研v.personal borrowers16渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研lending to individuals within functional level policy (also refer database j 104)17渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研products17渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研categories of risk for limit purposes category 1,2&3 (also refer database r 201)17渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研suitability, saleability, pricing (also refer database j 101, j111)18渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研specific requirements (also refer database j 101, j 302, j307)18渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研specialist product and higher risk areas (also refer database j 101)18渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研restricted activities (also refer database j 101 and b 702)18渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研environmental and social risk (also refer database b204 and b 226)19渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研others (also refer database j 101)19渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at standard chartered3business and risk4risk principle直小逮文遂虾贞祥扔囤址梢升倔映载池耐喀遣楼使瘤麻辖扁钝皱呕井若梦哟独壕吭铸调敲虫馁迟抖镣呻斋怂谱票糠同猛韵捅茫挡港散萧睫镶涛抗研approval process19渣打银行风险管理手册risk handbookpage 1risk wholesale bank an orientation to effective risk management & controltable of contentsintroduction3risk culture what does it mean at