Causes of risk in banking cases and how to prevent and control them

1. Reasons for the formation of the case

(1) Contagion of external risks

The macro-economy has slowed down, some enterprises have operating difficulties, and the corporate capital chain has broken, resulting in Credit risks are prominent, and cases of malicious fraud to obtain bank funds occur frequently; the complex social environment has led to prominent social conflicts, making banks the primary target for robbery, theft, and fraud.

(2) In terms of operations, there is an ideological emphasis on business development and light on risk management and control

Some banking institutions blindly pursue the rapid development of business and scale, and are still implementing extensive business methods. , risk management capabilities cannot keep up with the speed of business development. In order to achieve bonuses and profits, compliance operations and supervision and inspections are ignored. In order to develop business, they relax vigilance against external risks, relax credit conditions, do not strictly implement the "three checks" system, and fail to authorize management. Such behaviors as strict and unscientific job restrictions have laid the foundation for the case.

(3) Internal control is ineffective and supervision and inspection are not in place

Some banks in the banking industry have deviated implementation, distracted supervision, and implementation deviations in operation and management, and do not pay attention to internal control management. For example: the system is not perfect, has loopholes, and is not updated and improved in time; rules are not followed, orders are not followed, and prohibitions are not followed, the system regulations are modified, loopholes are found, and space is found; supervision and inspection are not paid attention to, supervision becomes a formality, and inspection There is no focus. The internal audit department is not independent and authoritative enough. The content of the inspection is not in-depth. It does not disclose problems when it is found. It cannot truly confront the tough issues and cannot truly use internal control management and risk prevention to help the business comply with the law. develop.

(4) Lack of scientific and technological means and insufficient technical and preventive measures

The development of scientific and technological means has not kept pace with the speed of business development. There are still blind spots in some new businesses and no effective measures have been established. The in-process early warning and supervision system still has problems such as insufficient restrictiveness in the authorization management of some key businesses and links, unclear responsibilities of authorized personnel, and weak risk awareness.

(5) The construction of compliance culture lags behind, and employee education and management are lacking

Most cases involve internal bank employees, and most of the perpetrators are young, which fully illustrates the bank’s There is a great lack of management education for employees, as well as a lack of instillation and cultivation of compliance culture, corporate values ??and cohesion, which has resulted in some employees having incorrect "three views", inflated selfish desires, and lack of self-examination and self-discipline. Secondly, the management methods are insufficient, and the investigation of employees' abnormal behaviors is superficial. It does not touch the employees' life, making friends, consumption and other circles outside eight hours of work. It does not detect employees' inappropriate social interactions, high-end consumption, business operations, and participation in small businesses. Loans, etc. Third, the lack of cultural activities in corporate teams has led to a lack of communication and understanding among employees. Some employees found that their colleagues around them had minor problems, but turned a blind eye to them, without the help and reminders they should have from colleagues, leading to some minor problems. disaster.