风险

Education2002/09-2003/12 Maastricht University, NetherlandsMaster of Social Security1989/09-1993/07 Renmin University of ChinaBachelorProfessional certificationFRMThe China Securities Association, a practicing certificateCurrent treatment minimum wage: RMB 530,004 / year = 44,167 / month × year fixed-DecemberExperience2007/07- present Union Life Beijing Company Compliance Risk Management Department / General Manager of Corporate Risk Management Committee Member and the Investment Management Committee members of BeijingReporting Objects: Company CROWork: Economic Capital Management asset-liability management comprehensive risk management Compliance Management Investment Risk Management Investment Performance Evaluation Management Legal Services Corporate Risk Management Committee Member, and the investment management committee members, participation in pension and asset management companies to build.2003/11-2007/06 Taikang Life Beijing Company Risk Management / Manager BeijingReporting object: department headWork: measuring market risk economic capital and credit risk economic capital integration of the entire company's economic capital, including the insurance risk and operational risk economic capital, economic capital internal controls and operational risk management a variety of risk analysis and asset liability management study capital management and capital allocation Risk Management and Performance Evaluation liability company-wide asset-liability management in the enterprise annuity on training and preparation for data preparation, as well as the preparation of Tyco pension.

教育背景2002/09-2003/12 荷兰马斯特里赫特大学社会保障硕士1989/09-1993/07 中国人民大学经济学学士专业证照FRM 中国证券协会执业证书目前待遇基本工资：人民币 530，004/年＝ 44，167 /月×全年固定12月工作经历2007/07-至今合众人寿北京总公司风险合规管理部/总经理公司风险管理委员会会员以及投资管理委员会会员北京汇报对象：公司CRO工作内容：经济资本管理资产负债管理全面风险管理合规管理投资风险管理投资绩效评估管理公司法律事务公司风险管理委员会会员以及投资管理委员会会员，参与养老金公司和资产管理公司筹建。2003/11-2007/06 泰康人寿北京总公司风险管理部/经理北京汇报对象：部门负责人工作内容：计量市场风险经济资本和信用风险经济资本整合整个公司旳经济资本，包括保险风险经济资本和业务风险经济资本内部控制和操作风险的管理各种风险的分析以及资产负债管理研究资本管理和资本配置风险管理和绩效评估负债整个公司资产负债管理参与企业年金的关于培训和筹备资料准备以及泰康养老金筹建。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

What article base oneself upon builds a project at mouth of Chinese sea outport is actual, from inside, outside two angle are formed to the risk respectively undertook labor, the exterior risk that thinks abroad haven builds a project basically includes natural risk, politics risk, law hazard, economy risk and social environment venture 5 kinds big, and in-house risk basically includes material and technical risk, equipment venture, construction risk, management venture 4 kinds big.

本文立足于中国海外港口建设项目的实际，从内、外两个角度分别对风险构成进行了具体分析，认为海外港口建设项目的外部风险主要包括自然风险、政治风险、法律风险、经济风险和社会环境风险五大类，而内部风险主要包括技术风险、材料和设备风险、施工风险、管理风险四大类。

It starts from the explanation of the definition and the connotation of the fiscal and finance risk, then respectively analyzes the producing mechanism of them, while thinking that the mechanism has both the similarity of all and uniqueness of China. This part also analyzes the cause of the mutual conversion of the two kinds of risks based on the analysis of the ways and the manifestation of it, while thinking that the ultimate cause is the operation of the unity of the two opposites and the existence of the paragenesis relations between them.

这一部分从财政风险和金融风险的概念和内涵入手，分别分析了财政风险和金融风险的的生成机制，认为财政风险和金融风险的生成机理既具有一般性，在我国又具有特殊性；从财政风险与金融风险的相互转化的路径和表现着手，分析了这两种风险相互转化的原因，认为财政风险与金融风险紧密相连，相互转化的根本原因在于财政和金融之间是对立统一的关系，具有共生性。

Therefore, it is significant to adopt systematization method to recognizer evaluate and manage risks in the process of port construction project investment.

论文的研究内容和主要成果主要体现在以下几个方面：(1)在研究了港口建设项目投资风险产生的原因和一般规律后，着重分析了港口建设项目投资存在的八类风险，即自然风险、社会风险、政治风险、政策法规风险、市场风险、融资风险、技术风险和管理风险，并对每一类风险的具体表现进行进一步的分析，最后对港口建设项目投资各个阶段存在的风险进行探讨。

The first part is the sum of expected losses of market risk, credit risk and operating risk. The risk of losses in the part should be prevented by reserve for bad debts accrued by commercial banks. The second part is the sum of contingent losses of market risk, credit risk and operating risk at certain confidence level, and the risk of losses in the part should be prevented by capital at risk. The third part is the sum of losses of market risk, credit risk and operating risk that beyond certain confidence level, and the risk of losses in the part should be prevented by deposit insurance system.

第一部分是市场风险、信用风险和操作风险的期望损失之和，该部分损失的风险用商业银行自身提取的损失准备金来防范；第二部分是市场风险、信用风险和操作风险在一定置信水平下的意外损失之和，该部分损失的风险用商业银行自身的风险资本来防范；第三部分是市场风险、信用风险和操作风险超出一定置信水平外的损失之和，该部分损失的风险用存款保险制度来防范。

Then the author reviews the content of risk analysis of regional natural disasters and the mathematical models of risk assessment. The risk analysis is classified into three steps, risk recognition , risk estimation, and risk assessment and the mathematical models into three types, extreme risk model, probability risk model and possibility risk model. Nextly, the possibility risk model for analyzing regional disaster risk are reviewed thoroughly.

综述了区域灾害风险分析的内容及区域灾害风险估算的数学模型，指出风险分析可归结为风险辨识、风险估算、风险评价三个环节，风险估算数学模型的演进可概括为极值风险模型、概率风险模型、可能性风险模型三个阶段，着重介绍区域自然灾害风险分析的可能性风险模型。

Firstly, this paper investigates the risk management theories and chooses the risk management process suitable for China; secondly, summarizes the types of risks during construction stage, establishs the proper methods for risk identification, with these methods identifies the risks of the Wu-xing Bridge and forms the risk list; thirdly, through the reseach of modern decision-making theoris, researches the risk attitude of the managers by design a risk analysis questionnaire; then, with the expert-experiential based assessment method, makes dynamic risk assessment in every single construction stage; finally, according to the risk assessment results, designs a succinct risk management handbook which supports the risk management during bridge construction pithily.

首先，在研究国内外先进的风险管理理论的基础上，确定了适合我国桥梁施工阶段风险管理的基本流程；其次，对桥梁施工阶段风险事态类型进行了总结，确定了适合我国桥梁施工阶段风险事态识别的方法，并对五星桥进行了详细的风险事态识别，形成了完备的风险事态列表。再次，通过对现代决策理论的研究，制定了研究决策人风险态度的调查问卷，对决策人的风险态度进行了研究；然后，采用基于专家经验的风险估计方法对风险事态进行了评估，并针对施工阶段进行了动态的等级评估；最后，根据评估的风险等级设计了简洁适用的风险管理手册，为桥梁施工现场的风险管理提供了有力支持。

Risk management can be divided into five parts, these five parts are respectively: The risk of turning uncertainty into essential task that the risk is stated discerns the course, the risk changing into being arranged in the order of PRI tabulates the risk analysis course of the necessary task to state the risk, will tabulate and change the definition risk of the task needed in order to tackle the plan in risk to plan the course according to the risk that PRI will be arranged , monitor the risk state and give notice to start the risk and tackle the risk that take action and follow the course, with carry out the action plan of the risk, the risk in order to drop the risk to the task that the acceptable degree needs to finish deals with the course.

风险管理可被划分为五个部分，这五个部分分别是：将不确定性转化为风险陈述的必要任务的风险识别过程，将风险陈述转变为按优先级顺序排列的风险列表所需的任务的风险分析过程，将按优先级排列的风险列表转变为风险应对计划所需要的任务的定义风险计划过程，监视风险状态以及发出通知启动风险应对行动的风险跟踪过程，和执行风险行动计划，以求将风险降至可接受程度所需完成的任务的风险应对过程。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。