毕博-上海银行—Phase1ADeliverableAsisde1

Centralization of certain loan approval and administration functions
New risk management business unit
New credit review function
2
Confidential to Hanvit Bank CRMS Project
단계 10.’As-Is’ 프로세스
mapping
A. 기업여신 프로세스
B. 기업여신 신용 리스크 분석
C. IT D. 가계 여신
프로세스
kpmg
Table of Contents
1 Executive summary
2 Background & Objectives
3 Credit Risk Management Overview
1
Confidential to Hanvit Bank CRMS Project
Hanvit Bank
kpmg
Executive Summary
1 Executive Summary
Hanvit Bank is the largest commercial bank in Korea after the merger of Hanil Bank and CBK. As the largest bank in Korea, Hanvit Bank has the responsibility of leading the marketplace in all aspects of its banking operations. Since credit risk management is the most important area of the bank’s operations, Hanvit has initiated this Credit Risk Management consulting project to provide substantial improvements in all aspects of credit risk management. As a result of this project, Hanvit Bank will be equipped with an advanced credit risk management system that implements international best practices, adjusted to the unique Korean business environment.
4 Commercial Lending
5 Retail Lending
6 Portfolio Management & Total Exposure
7 Technology
8 KIS Modules
9 Summary & Next Steps
10 As Is Process Mapping
A. - Commercial Loan Credit Process B. - Commercial Credit Risk Analytics C. - Information Technology D. - Retail Loan Credit Process
IV.Implementation.
The first half of the Phase I is the diagnostic review of “As-Is” condition of Hanvit Bank credit risk management system. This report documents the results of the “As-Is” diagnostic on the current environment and our understanding of Korea Information Systems (KIS) applications and modulethe current credit operations the following issues were noted:
Recent changes due to the merger:
New LOB structure for commercial and retail loans
Hanvit Bank
kpmg
Executive Summary
1 Executive Summary, continued Weaknesses noted: Balance between centralization and decentralization Good financial reporting system is needed for the new LOB structure Balance between lending and credit strategy Over reliance on collateral in credit decision Heavy reliance on borrowers’ name, reputation and relationship in credit decision Inconsistencies noted due to the recent merger Issues to be considered for improvement: Streamline certain credit processes (example, elimination of informal credit analysis) New relationship manager structure for proper risk management and effective marketing New loan review function to monitor adherence to policies/procedures New performance evaluation system including compensation and incentive programs on the credit analysis and administration New scoring system reflecting primary elements of international best practice Advanced loan grading system; Distinctly defined loan grading system is required to differentiate the loan quality for early detection of potential problem loans and for better valuation of the loan portfolio New loan pricing system and portfolio management system
kpmg
HANVIT BANK
Phase IA Deliverable
April 1999
KPMG LLP
목차
1. 요약 2. 배경 및 목표 3. 신용리스크
관리 개요 4. 기업 여신 5. 가계 여신 6. 포트폴리오 관리 및
Total Exposure 7. Technology(IT) 8. KIS 모듈 9.요약 및 차후
This project will be performed in four phases;
I. Developing the business requirements
II. Process and systems design
III. Process and systems development, and