渣打风险管理手册.doc

 Introduction 3 Risk Culture – what does it mean at Standard Chartered 3 Business and Risk 4 Risk Principles (also refer Database B 101) 5 Risk Types 5 Credit Risk 5 Country Risk (also refer database B 301 and B 326) 6 Market and Liquidity Risk (also refer Group Market Risk Policy Database) 6 Operational Risk (also refer database B 501) 7 Compliance Risk (also refer database B 601 and B 602) 8 Reputational Risk (also refer database B 701 and J401) 9 Environmental and Social Risk (also refer database B 204) 9 Risk Management Framework Matrix of Responsibilities 9 Risk Management Organization 10 Group Level 10 Functional Level 11 Country Level 11 Risk Policies and Procedures 11 1. Group Policies 11 2. Functional Policies 12 3. Country Underwriting Standards 12 Risk Pricing 13 Economic Profit 13 Measurement Tools 13 Pricing Guidelines 13 Management of Customers/Counterparties 14 Target Customers 14 Name Lending 14 Money Laundering – Know your customer (also refer database B 507 and B 534) 14 Types 15 I. CORPORATES 15 Groups (also refer database J 202, J 203 and J 206) 15 Lending to Holding Companies (also refer database J101) 15 Subsidiary Companies (also refer database J 207) 15 II. BANKS 16 Banks and Financial Institutions (also refer database J 154, J 155, J 307, J 804 J 806) 16 III. GOVERNMENTS 16 Governments and Government Owned Companies (also refer database J 204) 16 IV. INVESTMENT INSTITUTIONS 16 Funds, Fund Managers and Hedge Funds (also refer database J 807 and J 808) 16 V. PERSONAL BORROWERS 16 Lending to Individuals within Functional level policy (also refer database J 104) 17 Products 17 Categories of Risk for Limit Purposes – Category 1,23 (also refer database R 201) 17 Suitability, Saleability, Pricing (also refer database J 101, J111) 18 Specific Requirements (also refer database J 101, J 302, J307) 18 Specialist Product and Higher Risk Areas (also refer database J 101) 18 Restricted Activities (also refer database J 101 and B 702) 18 Environmental