医疗行业信用风险管理课件.ppt

1、资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。uSpecific Quantifiable ObjectivesuManagement Review MethodologyCredit Objectives and Risk TolerancesCredit PoliciesCredit Risk Management ProcessesImprove ProfitabilityReportingCredit Strategy

2、/PlanCommon PerformanceMetricsuCredit Strategy Statement and Risk ToleranceuCoordination with Business PlanThe business strategies and objectives drive the establishment of creditpolicies and procedures.Measurement and reporting as well as the use of current technologies enhance credit decision-maki

3、ng and improve risk management.The entire process is continually re-evaluated and improved.资料仅供参考,不当之处，请联系改正。Origination/AssessmentAdministrationMonitoring/ControlRiskManagement资料仅供参考,不当之处，请联系改正。Value CreationBusiness Performance MeasuresOrganizations need a rigorous set of measures to support conti

4、nuous improvementPerformance-based management utilizes metrics that measure actual performance against predetermined thresholds.The thresholds are established taking into account the organizations strategy,operatingenvironment and process controls.The measures drive value creation and should support

5、 problem identification and correction.nBusiness StrategySystemsOperationsFinancePerformance Management资料仅供参考,不当之处，请联系改正。Sales channelsContracts&DocumentationCredit analysisCredit limitPricing&termsCredit AnalysisCredit DecisionsCollectionsCREDIT POLICYCollateral acceptancePortfolio managementFinanc

6、ial analysisDisposal/Risk mitigationCollateral managementCustomer managementExposure measurementManagement reportingExposure aggregationRecoveriesCredit scoringRisk ratingRISK MANAGEMENTCredit Risk Managements Inter-related ActivitiesComplianceOriginationReportingTransactions资料仅供参考,不当之处，请联系改正。Credit

7、 Policies&Procedures Analysis&RiskManagementGovernance,Controland ImplementationMeasurementMethodologiesTechnology&Data IntegrityCredit Strategy&Risk ToleranceReassessment Credit Strategy&Risk Tolerance资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。Risk Identification,Origination,Credit Admin

8、istration,etc.Risk Identification,Transaction Structuring,Approval&Pricing Decisions,Reserving,etc.Portfolio Risk Concentration,Risk Based Limits,etc.Pricing decisions,Performance measurement,business and customer segmentation,compensation,etc.A business model view of Credit Risk Infrastructure comp

9、onents资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。Risk Assessment and Limi

10、t ManagementCredit Infrastructure and Portfolio ManagementCredit Analytics SupportCredit Technology Enablement Credit Quality Credit Underwriting Risk Rating System Effectiveness Counterparty and Portfolio Limits Organizational Structure Policies and Procedures Technology Selection and Implementatio

11、n Problem Asset Management Risk Rating Calibration Transaction Pricing,Structure and Support Default Probability and Recovery Calibration Credit Reserve Methodology Risk Based Pricing Models Risk Adjusted Return Analysis Portfolio Value Measurement Credit Risk Measurement Credit Performance Scorecards资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。资料仅供参考,不当之处，请联系改正。