Comprehensive Risk Management System
01.
Risk Preference and Tolerance Management System
Risk Preference and Tolerance Management System
Banks need to establish a tolerance index system that complies with their risk management guidelines, internal risk control system and corresponding risk preference, with the aim to achieve comprehensive risk index information integration across risk types, business lines, and institutions to meet the desires of all level of management in the bank to display and to monitor the corresponding risks. The tolerance index system includes overall risk index, credit risk index, market risk index, liquidity risk index, operational risk, headline risk, and concentration risk. The indicator display form is designed to be intuitive, having a series of trend analysis based on solid database.
02.
Comprehensive Stress Testing System
Comprehensive Stress Testing System
In accordance with regulatory guidelines or internal bank risk management requirements, the product aims to conduct stress tests for single or combined risks based on banking business data and risk measurement results, covering credit risk, market risk, operational risk, liquidity risk, concentration risk, and other risks. The stress test includes customer ratings, capital demand and supply, capital adequacy ratio, market risk indicators, customer behavior, liquidity indicators, and interest rate risk indicators on bank’s balance sheets. For several dimensions, namely institutions, regions, industries, enterprise scale, etc.
