Risk and compliance slogan

In recent years, China's major banks frequently violate regulations, which on the one hand has caused huge financial losses to China's banking industry, and on the other hand has brought some negative effects to our reputation. The root cause is the failure of internal control management of compliance risk. We have problems in varying degrees, such as not following rules, not implementing internal management rules and regulations and operating procedures, and it is difficult for the internal checks and balances mechanism of banks to play an effective role.

As a unique bank risk management technology, compliance has been widely recognized by the global banking industry. How to vigorously advocate the bank's own compliance culture and establish an effective organizational system for bank compliance risk management has become a top priority for banks. Therefore, it is necessary

Necessity of establishing compliance risk management mechanism

First, establish active compliance awareness and overcome passive compliance psychology.

Compliance is an important part of bank culture, and it is also the basic internal demand of stable operation of the banking industry, which has been established among bank employees.

To construct the compliance risk management mechanism of commercial banks, it is necessary to set up a full-time compliance department, and ensure that the compliance department can find and investigate problems without interference, so that compliance personnel can participate in the process of bank organizational structure and business process reengineering in time, and the principle of operating according to law can be truly implemented in every link of business process and even every employee.

Second, as a unique risk management technology of banks, compliance has increasingly penetrated into the overall risk management framework of rural finance. Compliance risk has gradually become an important risk faced by rural finance besides credit risk, market risk and operational risk. Therefore, improving compliance risk management has become an important research topic of rural finance. It is an urgent and important task for commercial banks to improve the compliance risk management level of the banking industry.

Third, the principle of comprehensiveness requires that the internal control system of banks must penetrate all business processes and operational links of financial institutions, covering all departments and positions, leaving no dead ends; The principle of prudence requires that internal control should take risk prevention and prudent operation as the starting point; The principle of effectiveness requires that all kinds of internal control systems must comply with the provisions of the state and regulatory authorities, and must be highly authoritative and operable; The principle of independence requires that internal control, as an independent system, must be independent of the business operating system and management activities it controls.