調查:逾半全球銀行料兩年內完成信用風險轉型
SAS Institute聯同全球風險專業人士協會(GARP)訪問來自全球金融機構的信用風險行政人員及從業員,並發表最新調查顯示,79%受訪者指,相較銀行其他範疇的轉型項目,信用風險轉型爲中度至高度優先項目。有62%受訪人士表示,其機構已經開始信用風險轉型,而只有少數受訪者表示將計劃在中短期內(14%)或較長的時間後(10%)纔開始轉型,有14%則表示目前暫沒有轉型計劃。
在實踐信用風險轉型的機構中,62%受訪者預計其完成進度目前少於一半,而超過一半(55%)預期他們的機構將於兩年內完成轉型,只有小部分受訪者(11%)表示,有轉型的計劃但尚未展開。
在銀行衡量信用風險的重要性方面,調查發現,近四分之三(72%)受訪者將優化信用決策視爲其信用風險轉型的主要目標,緊隨其後的是IT基建現代化(68%)及更完善的數據管理(53%)。
另外,61%受訪者表示,就信用風險轉型而言,信貸增長爲首要原因動力,例如向新客戶貸款,第二位是客戶管理(50%),而收取還款及客戶還款力只排名第三(45%)。與此同時,67%受訪者指出,數據管理是企業於信用風險轉型時優先考慮的能力,其次是模型建立/分析及策略設計的能力(66%)。
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