主讲人: 纽约联邦储备银行高级风险管理专家 徐明主 题：overviewofAmericanconsumercredit
主持人：经贸外语学院 张家瑞副教授
时 间：2015年5月6日（星期三）下午2：30
地 点：颐德楼H106
主 办：经贸外语学院、科研处
主讲人简介：
A seasoned consumer credit and risk management professional, Mr. Frank Xu has held senior positions with major US banks including Portfolio Analytics Manager with JPMorgan Chase, and Senior Vice President with Citigroup. He is currently working for Federal Reserve Bank of New York as a Senior Credit Risk Specialist focusing on bank supervision. In his over 20 years professional expereince, Mr. Xu sets analytics directions and supports risk strategies in areas of portfolio growth, credit quality assessment, model risk management, corporate risk governance and control processes, etc.
Mr. Xu received his B.A and M.A degrees in Economics from Beijing University. He also holds M.A degree in Economics from University of Cincinnati, USA.
讲座内容：
Discussion Highlights:
With its vast credit market size and matured operational framework, US consumer lending inductry has set the gold standard in managing mass maket full life cycle credit processess. This forum provides an overview of key management elements of bank consumer lending. The discussion provides overview of key management processes in the following functional areas with the credit cycle:
- consumer lending prodcuts
- credit initiation
- portfolio management
- collections
- risk management.
The focus of this discussion is to provide participants a high level conceptual knowledge of US consumer lending business and its standardized credit management practices. Participants should expect to get good understanding on the credit lending business objectives, i.e. risk and reward relationship. Participants should also be able to obtain a general knowledge on how the vast sized, highly diversified and decentralized consumer loan portfolios are effectively managed using the risk-reward business concept.
This will be an knowledge and expereince based discussion, less emphasizing on the academic theory. Consumer credit business has many highly specialized areas that requires well-trained professional staff to operate. This discussion should help those who wish to involve in this field in future career and offers a good point of start for further learning learning.
