零售银行业务最佳实践与中国银行业的选择【精品-ppt】

GVECBRC2005RABOBANKGROUP零售银行业务最佳实践与中国银行业的选择BESTPRACTICEINRETAILBANKINGREPORTINGMONITORING12一般规则GENERALRULES职业道德MORALITY财务报告FINANCIALREPORTS不动产估价VALUATIONREALESTATE累积风险ACCUMULATEDRISKS个人责任PERSONALLIABILITY控股公司/分支机构HOLDINGCOMPANY/SUBSIDIARIES13担保品和第三方保证规则COLLATERALGUARANTEERULES34GVE/CBRC/2005RABOBANKGROUP14业务流程贷款发放贷款审核BUSINESSPROCEDURESGRANTINGREVIEWING15职能分离FUNCTIONALSEGREGATION16授权体系和信贷委员会的职责MANDATESYSTEMCREDITCOMMITTEERESPONSIBILITIES17定价系统PRICINGSYSTEM18信贷业务的评估EVALUATINGCREDITBUSINESS19信贷业务管理循环，等等CREDITBUSINESSMANAGEMENTCYCLEETC35GVE/CBRC/2005RABOBANKGROUP挑战（8）信贷业务（3）CHALLENGE8CREDITBUSINESS3客户风险评级CLIENTRISKRATING财务得分FINANCIALSCORES9个比率9X权重得分9RATIOS9XWEIGHTSCORE非财务得分NONFINANCIALSCORES管理能力MANAGEMENTABILITY市场MARKET25个因素X权重WEIGHT得分SCORE质量关系QUALITYRELATIONSHIP其它OTHERS内部客户风险评级R1R10CLIENTRISKRATINGR1R10R1风险很低VERYLOWRISKR2风险较低LOWRISKR3R4一般MODERATER5R6风险较高HIGHRISKR7R10风险很高VERYHIGHRISK评级工具中小企业RATINGTOOLSSME内部客户风险评级R1R10CLIENTRISKSRATINGR1R1036GVE/CBRC/2005RABOBANKGROUP2担保物评级COLLATERALRATING担保物比率的保证人记分卡COLLATERALRATIOSGUARANTORSCORECARD偿债保障比率COVERAGERATIO担保物评级C1C8COLLATERALRATINGC1C8银监会有关按揭和担保比率的指导意见CBRCSMORTGAGEANDCOLLATERALRATIOS在个人充当保证人的情况下，需有一个特别的保证人记分卡FORPERSONALGUARANTEESASPECIALGUARANTORSCORECARDISINCLUDED调整后的担保品价值/总债务偿债保障比率CORRECTEDCOLLATERALVALUE/TOTALDEBTCOVERAGERATIO37GVE/CBRC/2005RABOBANKGROUP计划PLAN操作DO核查CHECK执行ACT信贷政策CREDITPOLICY中小企业评级SMERATING个体工商户贷款评级PBLRATING担保物评级COLLATERALRATING数据库（贷款组合）DATABASEPORTFOLIOS3C6R4C2挑战（9）CHALLENGE938GVE/CBRC/2005RABOBANKGROUP客户和担保物评级中小企业和个体工商户贷款（数据库）CLIENTANDCOLLATERALRATINGSMEANDPBLDATABASE定价PRICING信贷授权表AUTHORITIESTABLE审核REVIEW挑战（10）CHALLENGE1039GVE/CBRC/2005RABOBANKGROUP征信系统CREDITREGISTRATION目的AIM防止个人客户过度借贷PROTECTIONPERSONALCUSTOMERSAGAINSTOVERCREDITING保护金融机构PROTECTIONFINANCIALINSTITUTIONS央行系统PBOCSYSTEM符合国际标准和操作实践MEETSINTERNATIONALSTANDARDSPRACTICES所有金融机构都必须向征信机构提供信息COMPULSORYREGISTRATIONBYALLFINANCIALINSTITUTIONS全国统一的中央系统NATIONWIDE1SYSTEM数据库信用记录DATABASECREDITHISTORY荷兰模式DUTCHSITUATION所有金融机构都必须成为征信局会员COMPULSORYMEMBERSHIPALLFINANCIALINSTITUTIONS强制性提供信息COMPULSORYREGISTRATION征信局经营时间超过25年HISTORY25YEARS独立机构（BKR）INDEPENDENTINSTITUTIONBKR40GVE/CBRC/2005RABOBANKGROUP荷兰合作银行RABOBANK信用记录CREDITHISTORYBKR荷兰合作银行专家评级系统RABOBANKEXPERTCREDITRATINGSYSTEM荷兰合作银行RABOBANK信用状况CREDITSITUATION信用记录CREDITHISTORY个人状况PERSONALSITUATION财务状况FINANCIALSITUATION全自动化的客户信贷发放，只需15分钟，欧元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