日志
according to the needs of business development
||
management culture ideas, not to risk a comprehensive and dynamic management.4 IRB method in the implementation of the measures in China's Banks of the existing choice risk management system are basically the loans management, development bank has initially set up a complete internal rating system, and constantly sum up and perfect, but compared to the internal rating system Canada Goose Outlet in classifying loans into five categories and Banks different enterprise classification standard is much more comprehensive and detailed.4.1 perfect classifying loans into five categories standard, to speed up the pace of non-performing assets disposal at present the state-owned commercial Banks should according to oneself circumstance, in fifth level of classification based Canada Goose Parka on improved, promote the bank's internal ratings gradually to transition IRB method.One is building two dimensional rating system, and realize the loan level and the borrower PD hooks.Two is to improve quantitative analysis, reduce the proportion of subjective judgment.Three is thinning loan classification level.Such as bank of China will customer credit rating index system for Canada Goose Uk 5 kinds subdivision of 15, industry and commerce bank's level 12 classification into formal implementation stage, construction bank also in research level 12 classification.Take the irb, the state-owned commercial bank of the weight of bad loans will be higher.Therefore, to reduce risk weighted asset scale, we must speed up bad assets disposal dynamics, explore all is helpful for Canada Goose Jackets the disposal of bad loans legal means, make bad loans control in a certain range.4.2 sound risk management system of the state-owned commercial Banks should establish rational, steady and prudent risk management idea, according to the needs of business development, organization and coordination of the business management department related, and strengthening the moral risk management Canada Goose Jackets to prevent financial corruption, and gradually establish and internal rating system of supporting system of management system, to create a good environment to the implementation of IRB.And in the IRB method to carry out the process should adhere to the system and the system synchronized advancement, supporting the construction principle, establishing the independent vertical management Canada Goose Coats of the examination and approval departments, credit risk management departments and auditing departments, and realize the difference, improve the long-term mechanism of risk management.4.3 strengthen internal ratings database management international experience shows that most Banks in the establishment of internal rating system, will be the main effort in data cleaning and integration Canada Goose Sale .China's state-owned commercial bank data reserve serious deficiency and data quality is not high, the lack of standardization.So, the state-owned commercial Banks to establish internal rating system in the process, to speed up the data cleaning and collection work and broaden the collection of data channel;Strengt Canada Goose Sale
