1、医疗行业信用风险管医疗行业信用风险管理理2医疗行业信用风险管理3医疗行业信用风险管理4医疗行业信用风险管理5医疗行业信用风险管理6医疗行业信用风险管理uSpecific Quantifiable ObjectivesuManagement Review MethodologyCredit Objectives and Risk TolerancesCredit PoliciesCredit Risk Management ProcessesImprove ProfitabilityReportingCredit Strategy/PlanCommon PerformanceMetricsuCr
2、edit Strategy Statement and Risk ToleranceuCoordination with Business PlanThe business strategies and objectives drive the establishment of creditpolicies and procedures.Measurement and reporting as well as the use of current technologies enhance credit decision-making and improve risk management.Th
3、e entire process is continually re-evaluated and improved.7医疗行业信用风险管理Origination/AssessmentAdministrationMonitoring/ControlRiskManagement8医疗行业信用风险管理Value CreationBusiness Performance MeasuresOrganizations need a rigorous set of measures to support continuous improvementPerformance-based management u
4、tilizes metrics that measure actual performance against predetermined thresholds.The thresholds are established taking into account the organizations strategy,operatingenvironment and process controls.The measures drive value creation and should support problem identification and correction.nBusines
5、s StrategySystemsOperationsFinancePerformance Management9医疗行业信用风险管理Sales channelsContracts&DocumentationCredit analysisCredit limitPricing&termsCredit AnalysisCredit DecisionsCollectionsCREDIT POLICYCollateral acceptancePortfolio managementFinancial analysisDisposal/Risk mitigationCollateral managem
6、entCustomer managementExposure measurementManagement reportingExposure aggregationRecoveriesCredit scoringRisk ratingRISK MANAGEMENTCredit Risk Managements Inter-related ActivitiesComplianceOriginationReportingTransactions10医疗行业信用风险管理Credit Policies&Procedures Analysis&RiskManagementGovernance,Contr
7、oland ImplementationMeasurementMethodologiesTechnology&Data IntegrityCredit Strategy&Risk ToleranceReassessment Credit Strategy&Risk Tolerance11医疗行业信用风险管理12医疗行业信用风险管理13医疗行业信用风险管理Risk Identification,Origination,Credit Administration,etc.Risk Identification,Transaction Structuring,Approval&Pricing Dec
8、isions,Reserving,etc.Portfolio Risk Concentration,Risk Based Limits,etc.Pricing decisions,Performance measurement,business and customer segmentation,compensation,etc.A business model view of Credit Risk Infrastructure components14医疗行业信用风险管理15医疗行业信用风险管理16医疗行业信用风险管理17医疗行业信用风险管理18医疗行业信用风险管理20医疗行业信用风险管理
9、21医疗行业信用风险管理22医疗行业信用风险管理23医疗行业信用风险管理24医疗行业信用风险管理25医疗行业信用风险管理26医疗行业信用风险管理27医疗行业信用风险管理28医疗行业信用风险管理Risk Assessment and Limit ManagementCredit Infrastructure and Portfolio ManagementCredit Analytics SupportCredit Technology Enablement Credit Quality Credit Underwriting Risk Rating System Effectiveness C
10、ounterparty and Portfolio Limits Organizational Structure Policies and Procedures Technology Selection and Implementation Problem Asset Management Risk Rating Calibration Transaction Pricing,Structure and Support Default Probability and Recovery Calibration Credit Reserve Methodology Risk Based Pricing Models Risk Adjusted Return Analysis Portfolio Value Measurement Credit Risk Measurement Credit Performance Scorecards29医疗行业信用风险管理30医疗行业信用风险管理31医疗行业信用风险管理32医疗行业信用风险管理33医疗行业信用风险管理34医疗行业信用风险管理35医疗行业信用风险管理
