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Feb 18, 2008

English Chinese translation sample-risk management

(Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation)

IX. Risk Management
In 2006, ICBC reformed its organization and remade its risk management procedures, separated a clearcut front, middle, and back business responsibility setup, appointed the CRO, to constitute a relatively centralized and independent risk management system.


1. Credit risk management.
ICBC further promoted the centralized management of the credit business, raised the credit approval decision making level, and established an independent and centralized credit risk control system. It further improved its credit policy for the legal person clients, and implemented a differentiating credit policy in terms of region, trade, clients and products. It promoted creativity in small enterprise credit products and management and implemented a differentiating credit policy for small enterprises. It improved its personal credit management system, launched the “personal credit approval program”, and consolidated the five-grade system for personal credit assets. ICBC practiced a twelve-level classification for the quality management of corporate credit assets, with primary classification performed automatically by the computer system.


2. Liquidity risk management.
ICBC transferred assets from branches of the second level and below and to the first level branches for centralized assets allocation, and guided the branches to adjust the assets liability period through internal fund transfer and pricing. With a series of index, it monitored daily the liquidity positions, the overall cash in the bank, the deposit in the Head Office and other branches, and other interest-generating amount and structure, in order to control the liquidity ratio to meet legal and internal requirements.


3. Market risk management.
ICBC separated the middle business monitoring the market risk from the front business dealing with assets. With a series of core quota in interest rate risk management, analysis criteria of interest rate sensitivity gap, and guidance in interest rate risk management, ICBC established an interest rate risk management system adapted to the progress of marketization.


4. Operation risk and internal control.
ICBC constantly upgraded its operational risk management framework, system platform and technical means and promoted the implementation of The Operational Risk Management Manual in the whole bank. As a result, case occurrence rate and amount involved were the lowest in the history in 2006.


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