[精品]零售银行业务最佳实践与中国银行业的选择

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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