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香港作为亚洲的金融中心,金融市场高度发达。尽管其管辖范围较小,但金融机构高度密集,集聚了150多家商业银行或类似机构(如财务公司)。这里既有国际大型商业银行,如汇丰银行、花旗银行、摩根大通银行、渣打银行等,也有众多中小银行等。这些银行的信贷风险管理建立在完全市场化的经济环境中,在学习与探索中不断演进与发展,体现出香港当地的一些特色。
As a financial center in Asia, Hong Kong has a highly developed financial market. Despite their small jurisdiction, financial institutions are highly dense and host more than 150 commercial banks or similar institutions (eg finance companies). There are large international commercial banks here, such as HSBC, Citibank, JP Morgan Chase, Standard Chartered Bank, also has many small and medium banks. The credit risk management of these banks is based on a completely market-oriented economic environment, evolving and learning from learning and exploration, reflecting some of the local characteristics of Hong Kong.