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財(cái)會(huì) 中英
信用風(fēng)險(xiǎn)
Credit risk
本行對(duì)信用風(fēng)險(xiǎn)的管理主要由相關(guān)職能部門(mén)、貸審委員會(huì)組成，信貸審查部門(mén)負(fù)責(zé)信用評(píng)級(jí)和授信的審查，信貸管理部門(mén)負(fù)責(zé)制定相關(guān)的信貸政策和實(shí)施貸后的各項(xiàng)管理，風(fēng)險(xiǎn)管理部門(mén)負(fù)責(zé)擬定全行的風(fēng)險(xiǎn)管理政策、資產(chǎn)分類審核和不良資產(chǎn)的處置；本行貸審委員會(huì)作為授信審查評(píng)議的組織，負(fù)責(zé)規(guī)定條件和金額以及重大貸款項(xiàng)目的評(píng)審，并報(bào)主管行領(lǐng)導(dǎo)審批。本行對(duì)各類授信項(xiàng)目實(shí)行審貸分離、分級(jí)審批的制度，對(duì)一級(jí)分支機(jī)構(gòu)給予一定的授信審批授權(quán)，超權(quán)限部份統(tǒng)一由總行信貸審查部門(mén)審核。今后，本行將進(jìn)一步理順完善信用風(fēng)險(xiǎn)管理的組織機(jī)構(gòu)和職責(zé)劃分，以更為有效地控制信用風(fēng)險(xiǎn)。gxgkickz.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《貸款風(fēng)險(xiǎn)分類指引》的要求將表內(nèi)外信貸資產(chǎn)分為正常、關(guān)注、次級(jí)、可疑和損失五類，其中后三類貸款被視為不良信貸資產(chǎn)。各類信貸資產(chǎn)由前臺(tái)風(fēng)險(xiǎn)控制部門(mén)進(jìn)行初分，由信貸管理部門(mén)復(fù)審，由風(fēng)險(xiǎn)管理部門(mén)負(fù)責(zé)認(rèn)定，最后由風(fēng)險(xiǎn)管理委員會(huì)核準(zhǔn)。
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.
風(fēng)險(xiǎn)限額管理及緩釋措施
Risk limits management and release measures
為防范授信組合的集中性風(fēng)險(xiǎn)，本行實(shí)施風(fēng)險(xiǎn)限額管理策略。目前風(fēng)險(xiǎn)限額管理包括大額授信風(fēng)險(xiǎn)、行業(yè)風(fēng)險(xiǎn)、金融機(jī)構(gòu)單一交易對(duì)手風(fēng)險(xiǎn)、關(guān)聯(lián)交易風(fēng)險(xiǎn)等集中度限額指標(biāo)。
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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翻譯樣本 
