åæ¯ï¼
æéèä¸é«é£é©è¡ä¸åçæ±çé£é©ãå©çé£é©ã计é£é©ãå¸åºé£é©ãä¿¡ç¨é£é©ç诸éèé£é©æéèå¸åºéæ¥æ¾å¤èµéèæºæå¿«éè¿å
¥å æéèæºæç»è¥é£é©ç®åå
éèæ§è¡ä¼ä¸ãè¯å¸å
¬å¸ãæèµé¶è¡ä¸åä¸é¶è¡ãèµäº§ç®¡çå
¬å¸ãæè´§åãä¿é©å
¬å¸ãååä¼ä¸éå¢è´¢ä¸ç¨½æ ¸é¨é¨çº·çº·å 强éèé£é©æ§å¶å¯¼è´äºè¡ä¸éèé£é©ç®¡çä¸ä¸æéæ±æ¥å§å¢å ä¼ä¸æ±è´¤è¥æ¸´ç±äºå
ç¸å
³æè²æ»æä¾ç»ææ¾è¶³è®ç»ç´ ãå
·ä¸ä¸èµæ ¼éèé£é©ç®¡çæå¤æ¯éºè§æ紧缺导è´èªé
¬æ¶¨ã
Retail Bankingçé£é©é½æ¯credit riskï¼åæ ¹æ®äº§åå为ï¼
i. Unsecured æ æµæ¼äº§åï¼ä¿¡ç¨å¡ï¼ä¸ªäººè´·æ¬¾
è¿é¨åçé£é©ä¸»è¦æºäºå®¢æ·çwillingness to payï¼é常æ¯éè¿ç»è®¡æ¨¡åæ¥é¢æµä¸ç±»äººç¾¤çportfolioçperformanceåriskãæäºè¶³å¤çæ°æ®ååæ ¹æ®ç³è¯·è
ç个人æ¡ä»¶æ¥é¢æµdelinquency rateåwrite off rateï¼ç»åºä¸ä¸ªé¶è¡å¯æ¥åçå©çåé¢åº¦ã
ii. Secured æµæ¼äº§åï¼å°±æ¯æ¿è´·å车贷å¦
æ¿è´·çé£é©ä¸»è¦æºäºæ¿ä»·ãå 为ææµæ¼æ以è½å¤æ¿å°å¤å°è´·æ¬¾ä¼çç³è¯·äººæ¡ä»¶ï¼æ¯å¦éèªä½ç第äºå¥æ¿ï¼ç³è¯·äººèº«ä¸ææ å
¶ä»åºå¡çï¼ä»¥åæ¿åæ¬èº«æ¥å³å®ã
车贷çè¯ç±äºæ§è½¦åä¸äºå 个é±ï¼è·unsecured产åå ä¹çåï¼recovery rateç»çé«ç¹ã
Retail Riské常åè¿æ ·å 个teamï¼ç®¡æ¿çåacquisition strategyçï¼ç®¡å®é
æä½æ¹ä¸æ¹é±æ¹å¤å°é±çï¼çæ§å·²ç»åé±çportfolioçï¼è®¨åºçï¼ç®¡å模åçã
温馨提示:答案为网友推荐,仅供参考