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【观察】王衍行:新时期银行做好风控,四川棋牌网:要注意“四拍”领导

来源: 南方日报网络版     时间: 2018年09月08日 13:42:57
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意彩娱乐代理注册意彩娱乐官方,招龙虎和代理注册实力招商主管QQ41607088,时时彩龙虎和,意彩娱乐代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站【观察】王衍行:新时期银行做好风控,要注意“四拍”领导

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文章摘要:意彩娱乐代理注册,调虎离山有钱比绍,保荐人转变成高不成。

(原)(标)(题)(:【观)(察)(】王)(衍)(行)(:新)(时)(期)(银)(行)(做)(好)(风)(控)(,要)(注)(意)(“四)(拍)(”领)(导)(
本)(文)(大)(概)(2900字)(,读)(完)(共)(需)(3分)(钟)(
王)(衍)(行)(系)(中)(国)(人)(民)(大)(学)(重)(阳)(金)(融)(研)(究)(院)(高)(级)(研)(究)(员)(,本)(文)(刊)(于)(12月)(20日)(和)(讯)(网)(。
12月)(19日)(,由)(和)(讯)(网)(主)(办)(,和)(讯)(银)(行)(频)(道)(、财)(经)(中)(国)(承)(办)(的)(第)(15届)(中)(国)(财)(经)(风)(云)(榜)(银)(行)(分)(论)(坛)(在)(北)(京)(举)(办)(。本)(届)(论)(坛)(的)(主)(题)(是)(“未)(来)(银)(行)(—科)(技)(激)(发)(想)(象)(”。论)(坛)(中)(,中)(国)(人)(民)(大)(学)(重)(阳)(金)(融)(研)(究)(院)(高)(级)(研)(究)(员)(王)(衍)(行)(发)(表)(了)(以)(新)(时)(期)(新)(环)(境)(下)(银)(行)(如)(何)(做)(好)(风)(控)(为)(主)(题)(的)(演)(讲)(。
王)(衍)(行)(自)(称)(是)(“金)(融)(的)(农)(民)(工)(”,在)(发)(言)(中)(,他)(根)(据)(风)(险)(管)(理)(工)(作)(实)(践)(,提)(出)(了)(许)(多)(“金)(句)(”,例)(如)(:当)(谈)(到)(新)(旧)(风)(险)(的)(简)(单)(比)(较)(时)(,他)(提)(出)(“旧)(的)(风)(险)(管)(理)(模)(式)(受)(虚)(言)(、听)(浮)(术)(、采)(华)(名)(,兴)(伪)(事)(”;此)(外)(,他)(还)(提)(出)(“新)(的)(风)(险)(管)(理)(模)(式)(言)(必)(有)(用)(、术)(必)(有)(典)(、名)(必)(有)(实)(、事)(必)(有)(功)(”。
王)(衍)(行)(表)(示)(,银)(行)(要)(注)(意)(“四)(拍)(”领)(导)(,分)(别)(是)(“拍)(脑)(袋)(”、“拍)(胸)(脯)(”、“拍)(大)(腿)(”、“拍)(屁)(股)(”。银)(行)(也)(要)(注)(意)(“四)(拍)(”领)(导)(,一)(拍)(脑)(袋)(,有)(了)(:这)(类)(领)(导)(的)(特)(点)(愿)(意)(选)(一)(些)(听)(话)(的)(不)(懂)(业)(务)(的)(下)(属)(,让)(干)(什)(么)(干)(什)(么)(,从)(我)(发)(现)(几)(个)(大)(宗)(案)(例)(,贷)(款)(没)(走)(信)(贷)(部)(门)(,走)(理)(财)(,办)(公)(室)(主)(任)(签)(字)(就)(能)(支)(走)(。拍)(脑)(袋)(很)(多)(,传)(达)(中)(央)(精)(神)(,却)(没)(结)(合)(本)(单)(位)(、本)(银)(行)(的)(实)(际)(,念)(得)(稿)(子)(像)(给)(省)(委)(书)(记)(写)(的)(。一)(拍)(胸)(脯)(,好)(了)(:例)(如)(,我)(曾)(经)(遇)(到)(一)(件)(事)(,东)(北)(某)(市)(的)(一)(个)(局)(的)(局)(长)(协)(调)(低)(收)(入)(职)(工)(办)(店)(铺)(贷)(款)(,找)(市)(委)(书)(记)(、市)(长)(协)(调)(,她)(表)(态)(2年)(就)(超)(过)(沃)(尔)(玛)(,我)(曾)(经)(研)(究)(刘)(强)(东)(多)(年)(,但)(遗)(憾)(的)(是)(现)(在)(我)(不)(知)(道)(沃)(尔)(玛)(的)(核)(心)(竞)(争)(力)(到)(底)(是)(什)(么)(,沃)(尔)(玛)(的)(数)(据)(挖)(掘)(,我)(们)(现)(在)(仍)(然)(看)(不)(懂)(、学)(不)(会)(。一)(拍)(大)(腿)(,坏)(了)(:重)(大)(的)(失)(误)(及)(损)(失)(也)(不)(问)(责)(了)(,或)(者)(不)(痛)(不)(痒)(的)(问)(责)(,推)(卸)(责)(任)(为)(主)(,一)(拍)(屁)(股)(走)(人)(了)(。
以)(下)(为)(发)(言)(实)(录)(:
王)(衍)(行)(:我)(是)(金)(融)(的)(农)(民)(工)(,在)(银)(行)(打)(工)(了)(30多)(年)(了)(,风)(险)(管)(理)(是)(我)(的)(长)(项)(,当)(过)(支)(行)(、城)(市)(商)(业)(银)(行)(、股)(份)(制)(银)(行)(分)(行)(的)(副)(行)(长)(、行)(长)(,贷)(款)(审)(批)(及)(贷)(后)(管)(理)(保)(持)(了)(不)(良)(率)(为)(0的)(业)(绩)(,一)(些)(经)(验)(还)(跟)(刘)(明)(康)(主)(席)(汇)(报)(过)(,贷)(款)(质)(量)(很)(高)(,放)(贷)(很)(方)(便)(,对)(民)(营)(企)(业)(,风)(险)(稍)(高)(的)(,让)(法)(人)(作)(担)(保)(,承)(担)(还)(款)(的)(无)(限)(责)(任)(,有)(的)(利)(率)(虽)(高)(,也)(能)(百)(分)(之)(百)(归)(还)(贷)(款)(。第)(二)(,审)(核)(贷)(款)(的)(时)(候)(,你)(要)(了)(解)(企)(业)(的)(上)(下)(游)(,这)(是)(一)(个)(相)(关)(的)(链)(。所)(管)(理)(的)(银)(行)(无)(案)(件)(,所)(提)(拔)(的)(下)(属)(无)(一)(人)(无)(被)(贬)(被)(免)(。
新)(环)(境)(确)(实)(发)(生)(了)(变)(化)(了)(,十)(九)(大)(报)(告)(里)(说)(到)(了)(主)(要)(矛)(盾)(,已)(经)(转)(化)(为)(人)(民)(日)(益)(增)(长)(的)(美)(好)(生)(活)(需)(要)(和)(不)(平)(衡)(不)(充)(分)(的)(发)(展)(之)(间)(的)(矛)(盾)(,现)(在)(来)(看)(,我)(感)(觉)(提)(得)(非)(常)(好)(。银)(行)(的)(主)(要)(问)(题)(在)(于)(资)(产)(质)(量)(,5年)(前)(,有)(一)(家)(大)(银)(行)(,清)(华)(大)(学)(给)(其)(董)(事)(长)(颁)(发)(教)(授)(证)(书)(,我)(现)(场)(问)(了)(一)(个)(问)(题)(,让)(他)(很)(难)(堪)(,问)(题)(是)(:你)(的)(银)(行)(上)(市)(是)(剥)(离)(不)(良)(资)(产)(后)(才)(具)(上)(市)(条)(件)(,所)(以)(不)(是)(干)(干)(净)(净)(凭)(自)(己)(的)(实)(力)(上)(市)(的)(。现)(在)(看)(,个)(别)(银)(行)(管)(理)(不)(良)(贷)(款)(的)(难)(度)(比)(那)(个)(时)(期)(还)(要)(大)(,这)(个)(问)(题)(的)(确)(不)(太)(好)(处)(理)(。有)(的)(中)(央)(部)(委)(领)(导)(表)(态)(,系)(统)(性)(风)(险)(一)(定)(能)(防)(住)(,这)(是)(表)(态)(是)(战)(略)(上)(的)(,但)(战)(术)(上)(,重)(视)(程)(度)(还)(不)(够)(,个)(别)(重)(大)(的)(个)(案)(风)(险)(,战)(术)(上)(不)(一)(定)(能)(够)(防)(住)(。战)(略)(上)(藐)(视)(敌)(人)(是)(对)(的)(,战)(术)(重)(视)(敌)(人)(更)(是)(对)(的)(。
主)(要)(矛)(盾)(的)(体)(现)(不)(平)(衡)(不)(充)(分)(的)(一)(些)(问)(题)(尚)(未)(解)(决)(。不)(是)(简)(单)(的)(改)(革)(就)(能)(够)(解)(决)(的)(,可)(能)(要)(动)(一)(些)(大)(的)(手)(术)(。若)(实)(力)(远)(远)(不)(济)(,信)(心)(仅)(仅)(建)(立)(在)(沙)(滩)(上)(,信)(心)(又)(有)(什)(么)(用)(?有)(的)(银)(行)(挺)(麻)(烦)(,创)(新)(能)(力)(不)(够)(,发)(展)(质)(量)(和)(效)(益)(不)(高)(,现)(在)(不)(讲)(规)(模)(了)(,质)(量)(和)(效)(益)(积)(重)(难)(返)(,个)(别)(银)(行)(退)(出)(是)(必)(然)(的)(,会)(看)(资)(产)(负)(债)(表)(的)(,会)(发)(现)(这)(类)(银)(行)(。对)(金)(融)(机)(构)(来)(说)(,故)(事)(尽)(管)(讲)(好)(,但)(没)(有)(把)(控)(好)(风)(控)(等)(于)(0。对)(银)(行)(高)(管)(及)(员)(工)(来)(说)(,若)(这)(个)(人)(水)(平)(都)(很)(高)(,但)(道)(德)(不)(过)(关)(,必)(然)(等)(于)(0,甚)(至)(是)(负)(的)(。实)(体)(经)(济)(与)(虚)(拟)(经)(济)(,像)(一)(个)(人)(身)(体)(和)(肌)(肉)(一)(样)(,我)(同)(意)(发)(展)(实)(体)(经)(济)(,但)(是)(,没)(有)(灵)(魂)(的)(实)(体)(经)(济)(不)(能)(叫)(实)(体)(经)(济)(,当)(前)(,僵)(尸)(企)(业)(、骗)(贷)(企)(业)(不)(少)(,这)(类)(企)(业)(不)(能)(叫)(实)(体)(经)(济)(。实)(体)(经)(济)(给)(中)(国)(造)(成)(的)(危)(害)(一)(定)(要)(总)(结)(,现)(在)(,关)(键)(在)(于)(偿)(还)(债)(务)(的)(态)(度)(、能)(力)(。习)(总)(书)(记)(提)(的)(五)(大)(理)(念)(,确)(实)(挽)(救)(了)(中)(国)(,我)(拜)(读)(了)(习)(总)(书)(记)(在)(各)(个)(阶)(段)(写)(的)(所)(有)(的)(书)(,看)(了)(这)(些)(书)(,利)(于)(理)(解)(五)(大)(理)(念)(,建)(议)(大)(家)(详)(细)(阅)(读)(习)(总)(书)(记)(的)(书)(,更)(好)(理)(解)(五)(大)(理)(念)(。
金)(融)(的)(现)(实)(问)(题)(:国)(内)(生)(产)(总)(值)(从)(54万)(亿)((就)(是)(2012年)(的)(54万)(亿)(),到)(十)(九)(大)(召)(开)(时)(的)(80万)(亿)(,稳)(居)(世)(界)(第)(二)(,对)(世)(界)(经)(济)(增)(长)(贡)(献)(率)(超)(过)(30%。我)(国)(贷)(款)(年)(增)(长)(率)(达)(到)(15%左)(右)(,甚)(至)(比)(这)(个)(还)(高)(。银)(监)(会)(披)(露)(的)(数)(,12年)(末)(金)(融)(资)(产)(总)(额)(133.6万)(亿)(,17年)(三)(季)(度)(末)(247万)(亿)(,增)(长)(了)(将)(近)(100多)(万)(亿)(。所)(以)(说)(,防)(范)(系)(统)(性)(风)(险)(,资)(产)(泡)(沫)(、金)(融)(泡)(沫)(,很)(及)(时)(、很)(重)(要)(。
新)(旧)(风)(险)(的)(简)(单)(比)(较)(。旧)(的)(风)(险)(管)(理)(模)(式)(是)(受)(虚)(言)(、听)(浮)(术)(、采)(华)(名)(,兴)(伪)(事)(。受)(虚)(言)(,举)(例)(来)(说)(,画)(画)(为)(例)(,画)(鬼)(好)(画)(,画)(人)(不)(好)(画)(,没)(有)(核)(心)(竞)(争)(力)(的)(借)(款)(企)(业)(必)(然)(是)(空)(中)(楼)(阁)(,无)(锡)(尚)(德)(为)(例)(,2008年)(,一)(家)(猎)(头)(公)(司)(让)(我)(给)(无)(锡)(尚)(德)(推)(荐)(财)(务)(总)(监)(,负)(责)(从)(银)(行)(大)(量)(融)(资)(,无)(锡)(尚)(德)(在)(资)(本)(市)(场)(直)(接)(融)(资)(就)(够)(了)(,为)(何)(还)(要)(从)(银)(行)(贷)(款)(,我)(明)(白)(他)(要)(金)(蝉)(脱)(壳)(。其)(他)(的)(企)(业)(也)(一)(样)(,有)(一)(个)(企)(业)(家)(扬)(言)(收)(购)(纽)(约)(时)(报)(,报)(纸)(是)(“报)(+纸)(”,这)(个)(企)(业)(家)(在)(收)(纸)(方)(面)(专)(业)(非)(常)(对)(口)(,他)(是)(环)(保)(出)(身)(,西)(方)(国)(家)(报)(纸)(回)(收)(是)(付)(钱)(的)(,纸)(你)(可)(以)(收)(,报)(你)(收)(不)(了)(。听)(浮)(术)(,有)(的)(行)(长)(、董)(事)(长)(被)(一)(些)(虚)(拟)(项)(目)(牵)(着)(鼻)(子)(走)(。采)(华)(名)(,有)(的)(银)(行)(董)(事)(长)(、行)(长)(有)(一)(堆)(荣)(誉)(称)(号)(,但)(是)(,在)(风)(险)(管)(理)(漏)(洞)(百)(出)(、形)(如)(虚)(设)(。兴)(伪)(事)(,董)(事)(会)(风)(险)(管)(理)(委)(员)(会)(的)(委)(员)(,把)(风)(险)(管)(理)(得)(主)(业)(抛)(在)(九)(霄)(云)(外)(,到)(各)(地)(帮)(助)(银)(行)(去)(营)(销)(,不)(务)(正)(业)(。最)(近)(,一)(个)(金)(融)(机)(构)(的)(总)(经)(理)(去)(某)(分)(行)(调)(研)(,这)(家)(分)(行)(发)(生)(近)(百)(亿)(不)(良)(贷)(款)(,这)(位)(总)(经)(理)(义)(愤)(填)(膺)(地)(讲)(:放)(一)(头)(猪)(在)(那)(儿)(贷)(也)(比)(你)(们)(强)(。
新)(的)(风)(险)(管)(理)(模)(式)(是)(言)(必)(有)(用)(、术)(必)(有)(典)(、名)(必)(有)(实)(、事)(必)(有)(功)(。
言)(必)(有)(用)(,很)(简)(单)(,单)(刀)(直)(入)(。写)(个)(风)(险)(报)(告)(,要)(开)(门)(见)(山)(揭)(示)(风)(险)(。术)(必)(有)(典)(,成)(功)(的)(案)(例)(是)(谁)(?失)(败)(的)(案)(例)(是)(谁)(。名)(必)(有)(实)(,银)(行)(追)(求)(的)(名)(誉)(,要)(跟)(银)(行)(的)(企)(业)(战)(略)(文)(化)(相)(一)(致)(。
银)(行)(风)(控)(的)(任)(务)(:第)(一)(、打)(造)(诚)(信)(银)(行)(。现)(在)(有)(的)(还)(想)(扩)(张)(、编)(故)(事)(。我)(观)(察)(了)(很)(多)(银)(行)(的)(董)(事)(长)(、行)(长)(,论)(银)(行)(风)(控)(管)(理)(水)(平)(,汇)(丰)(银)(行)(原)(来)(董)(事)(长)(庞)(约)(翰)(、摩)(根)(大)(通)(银)(行)(的)(董)(事)(长)(兼)(首)(席)(执)(行)(官)(戴)(蒙)(懂)(业)(务)(,做)(得)(好)(。诚)(信)(关)(系)(到)(每)(一)(个)(人)(,关)(系)(到)(银)(行)(能)(不)(能)(存)(续)(。有)(句)(名)(言)(讲)(得)(好)(:你)(可)(以)(在)(部)(分)(时)(间)(欺)(骗)(所)(有)(人)(,也)(可)(以)(在)(所)(有)(时)(间)(欺)(骗)(部)(分)(人)(,但)(是)(不)(能)(在)(所)(有)(时)(间)(欺)(骗)(所)(有)(人)(。第)(二)(,重)(服)(务)(。金)(融)(机)(构)(不)(但)(是)(服)(务)(部)(门)(,还)(是)(商)(业)(部)(门)(,商)(业)(部)(门)(最)(重)(要)(的)(找)(准)(你)(的)(客)(户)(,银)(行)(造)(成)(不)(良)(贷)(款)(是)(没)(有)(本)(事)(的)(突)(出)(表)(现)(,尤)(其)(是)(惨)(不)(忍)(睹)(的)(银)(行)(,肯)(定)(给)(国)(家)(添)(乱)(。防)(风)(险)(,现)(在)(要)(总)(结)(经)(验)(,其)(关)(键)(,在)(于)(处)(理)(人)(。
战)(略)(和)(战)(术)(同)(时)(藐)(视)(敌)(人)(的)(话)(,等)(于)(失)(败)(。
对)(策)(方)(面)(,银)(行)(要)(想)(通)(,今)(后)(的)(工)(作)(重)(点)(在)(于)(防)(风)(险)(,怎)(么)(防)(?要)(有)(思)(路)(,不)(要)(按)(传)(统)(的)(思)(路)(,别)(再)(制)(造)(不)(良)(了)(。防)(范)(银)(行)(风)(险)(,要)(坚)(决)(,要)(下)(狠)(手)(了)(。
第)(二)(要)(行)(、真)(用)(。银)(行)(是)(保)(守)(行)(业)(,不)(是)(风)(险)(投)(资)(,介)(入)(要)(保)(守)(稳)(健)(,退)(出)(要)(及)(时)(,在)(客)(户)(衰)(败)(之)(前)(,银)(行)(要)(先)(退)(。
我)(在)(十)(几)(年)(前)(谈)(银)(行)(的)(退)(出)(机)(制)(。监)(管)(之)(手)(要)(狠)(一)(点)(,温)(柔)(不)(行)(。
银)(行)(也)(要)(注)(意)(“四)(拍)(”领)(导)(,
一)(拍)(脑)(袋)(,有)(了)(:这)(类)(领)(导)(的)(特)(点)(愿)(意)(选)(一)(些)(听)(话)(的)(不)(懂)(业)(务)(的)(下)(属)(,让)(干)(什)(么)(干)(什)(么)(,从)(我)(发)(现)(几)(个)(大)(宗)(案)(例)(,贷)(款)(没)(走)(信)(贷)(部)(门)(,走)(理)(财)(,办)(公)(室)(主)(任)(签)(字)(就)(能)(支)(走)(。拍)(脑)(袋)(很)(多)(,传)(达)(中)(央)(精)(神)(,却)(没)(结)(合)(本)(单)(位)(、本)(银)(行)(的)(实)(际)(,念)(得)(稿)(子)(像)(给)(省)(委)(书)(记)(写)(的)(。一)(拍)(胸)(脯)(,好)(了)(:例)(如)(,我)(曾)(经)(遇)(到)(一)(件)(事)(,东)(北)(某)(市)(的)(一)(个)(局)(的)(局)(长)(协)(调)(低)(收)(入)(职)(工)(办)(店)(铺)(贷)(款)(,找)(市)(委)(书)(记)(、市)(长)(协)(调)(,她)(表)(态)(2年)(就)(超)(过)(沃)(尔)(玛)(,我)(曾)(经)(研)(究)(刘)(强)(东)(多)(年)(,但)(遗)(憾)(的)(是)(现)(在)(我)(不)(知)(道)(沃)(尔)(玛)(的)(核)(心)(竞)(争)(力)(到)(底)(是)(什)(么)(,沃)(尔)(玛)(的)(数)(据)(挖)(掘)(,我)(们)(现)(在)(仍)(然)(看)(不)(懂)(、学)(不)(会)(。一)(拍)(大)(腿)(,坏)(了)(:重)(大)(的)(失)(误)(及)(损)(失)(也)(不)(问)(责)(了)(,或)(者)(不)(痛)(不)(痒)(的)(问)(责)(,推)(卸)(责)(任)(为)(主)(,一)(拍)(屁)(股)(走)(人)(了)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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