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财会 中英

信用风险
Credit risk
本行对信用风险的管理主要由相关职能部门、贷审委员会组成,信贷审查部门负责信用评级和授信的审查,信贷管理部门负责制定相关的信贷政策和实施贷后的各项管理,风险管理部门负责拟定全行的风险管理政策、资产分类审核和不良资产的处置;本行贷审委员会作为授信审查评议的组织,负责规定条件和金额以及重大贷款项目的评审,并报主管行领导审批。本行对各类授信项目实行审贷分离、分级审批的制度,对一级分支机构给予一定的授信审批授权,超权限部份统一由总行信贷审查部门审核。今后,本行将进一步理顺完善信用风险管理的组织机构和职责划分,以更为有效地控制信用风险。qnryb.com
The credit risk management of the Bank is mainly conducted by relevant functional departments and the loan-review committee. The credit review department is responsible for credit rating and credit review. The credit management department is responsible for formulation of credit policy and implementation of post-loan management. The risk management department is responsible for formulating the bank's risk management policies, asset classification review and disposition of non-performing assets. The loan-review committee of the Bank as the organization of credit review and evaluation is responsible for setting the conditions and the amount, as well as assessment of major loan projects, and report to the heads of the bank in charge for approval. The Bank implements a system that separate the department performing the review and loan from grading examination and approval for various types of credit projects and grants the one-level branch certain credit approval authority. The part exceeding the authority shall be reviewed by the loan review department of the head office in a unified manner. In the future, the Bank will further rationalize and improve organizational structure and responsibilities division of credit risk management, in order to control credit risk more effectively.
本行按照《贷款风险分类指引》的要求将表内外信贷资产分为正常、关注、次级、可疑和损失五类,其中后三类贷款被视为不良信贷资产。各类信贷资产由前台风险控制部门进行初分,由信贷管理部门复审,由风险管理部门负责认定,最后由风险管理委员会核准。
The Bank, in accordance with the requirements of the Guidelines on Loan Risk Classification, classifies credit assets both inside and outside the statement into five categories covering normal, concerned, substandard, doubtful and loss. The latter three types of loans are considered non-performing credit assets. Various types of credit assets are initially divided by front-desk risk control department, reviewed by credit management department, identified by the risk management department, and finally approved by risk management committee.

风险限额管理及缓释措施
Risk limits management and release measures
为防范授信组合的集中性风险,本行实施风险限额管理策略。目前风险限额管理包括大额授信风险、行业风险、金融机构单一交易对手风险、关联交易风险等集中度限额指标。
In order to guard against credit portfolio concentrated risk, the Bank implements risks limit management strategy. Currently, risks limit management includes large credit risk, industry risk, single transaction counterparty risk of financial institutions, risk of related-party transactions and other indicators of concentrated limits.


 
 
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