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paper代写-Commercial bank compliance management

2018-05-12 | 来源:51due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- Commercial bank compliance management,供大家参考学习,这篇论文讨论了商业银行合规管理。合规管理作为一门独特的商业银行风险管理技术,如今已得到全球银行业的普遍认同和高度重视。合规管理主要是对合规风险的管理,包括主动遵守现行的法律法规和市场准则等制度性文件的规定,也包括主动跟踪政策动向和制度规范的发展,适时调整内部的规章制度和经营策略,建立和完善内控制度和措施,减少、避免声誉损失和经济损失。

Commercial bank,商业银行合规管理,英国论文代写,论文代写,paper代写

In order to ensure the normal operation of financial institutions, national regulators have set rules and regulations for commercial Banks to ensure the steady operation of commercial Banks, thus ensuring the steady development of the global economy. As a unique risk management technology of commercial bank, compliance management has been widely recognized and highly valued by the global banking industry. In May 2005, the Basel committee on banking supervision issued in compliance with the bank compliance department regulations, compliance risk refers to the bank for failing to follow the rule of law, regulation, self-discipline organization and apply to the bank's code of conduct their business activities, and may suffer from legal sanction, supervision punishment, the risk of significant financial loss and reputational damage. Compliance laws, rules and guidelines should include basic laws, rules and guidelines issued by legislative bodies and regulators; Market practices; Industry rules formulated by trade associations; Internal codes of conduct applicable to bank staff and ethical and ethical codes of conduct. Compliance management is mainly to compliance risk management, including voluntarily comply with the current laws and regulations, the provisions of the rule of market, industry and other institutional code files, including active tracking policy trends, the development of the system specification, timely adjust the internal rules and regulations and business strategy, establish and perfect the internal control system and measures, to reduce and avoid reputational damage and economic loss. Commercial bank management activities into the orbit of compliance in accordance with the law, is the basic premise of existence and development of commercial Banks, is also continuous stable operation of the key to commercial Banks, but also the inevitable requirement of sustained and healthy development of banking market. Compliance management is an important guarantee to meet the requirements of comprehensive supervision. It is an important part of the comprehensive risk management system of commercial Banks and an inherent requirement to realize the healthy development of commercial Banks. In order to ensure the safety of commercial Banks' assets and to create good operating benefits, it is the top priority of the risk management of commercial Banks to strengthen the risk management of compliance operation.

Quite a number of commercial Banks business people in the face of fierce market competition, sometimes want to rely on "rushed through the red light", some "chip", to win the market and customers, think the compliance, risk management is the compliance risk management department can only plays a role of constraints on business development. The compliance risk management personnel only one-sided emphasis on strictly according to the requirements of the line or regulatory department to do it, make the commercial bank staff to lack enough awareness to the importance of compliance, for compliance purposes and the propaganda of "compliance to create value" concept is not enough, did not form the enterprise culture of compliance. Partial performance evaluation mechanism and the imperfect mechanism of incentive and constraint, which comply with violations cannot be rewarded and punished, often in the process of management to give up institutional constraints of performance and short-term interests.

With the continuous change of the economic mechanism and the continuous innovation of customer demand, the service is reflected in the continuous financial innovation to meet the new demands of customers. For financial innovation and compliance management, efficient compliance process construction system must be established. But at present domestic commercial Banks business process still exist significant drawbacks, is still "sector bank," rather than "process" bank, a large number of institutions and scattered in various departments responsibility, not according to the product and customer classification together, leads to the service based on customer demand, the innovation and risk prevention is limited by human, such as problems with the department between mutual shirk responsibility, there is no efficient compliance process to build system, imperfect mechanism for coordination between various departments, is difficult to keep up with the needs of the development of the business. And there is no good to update the compliance system, terminal services to meet the commercial bank to understand the changes of the latest compliance, with the fastest speed to update the compliance system for customer service.

Every business of a commercial bank needs to be operated by people, and to operate in compliance, it is inseparable from competent personnel. At present, the commercial bank business and compliance are widespread inter-disciplinary talent lack, if only know business but know nothing about regulations and rules of personnel working in the business, it is hard to ensure the compliance management of commercial Banks; If only know the compliance personnel but the business is not very understanding, in the compliance process will not be able to serve the business well, promote the business development under the precondition of compliance.

If there is no reliable implementation of a good system, the construction of a good compliance system without corresponding supervision mechanism can only be in the form, so a good supervision mechanism must be given. Nowadays, there are many phenomena that are not followed and "know what they can't do". In the daily operation of commercial Banks, violations often lead to loopholes and hidden dangers in business operations. The compliance of the prior decision and the execution of the event is tight, while the compliance of the supervision and the after-the-post feedback loop is relatively weak. Focus of risk prevention in advance, but for performance evaluation of compliance, accountability, integrity compliance reporting system needs continuous improvement system of the follow-up system construction is relatively weakened even incomplete, the compliance management of long-term mechanism construction work to be deepened.

Build a compliance culture based on professional ethics, establish a corporate strategy of compliance management, and establish a reasonable incentive and punishment mechanism to promote compliance. Realization of top-down, attaches great importance to stable operation mechanism of training, takes the concept of compliance culture into the daily operation and management and decision-making of the commercial Banks, to confirm compliance to become the common responsibility of all staff, commercial Banks will post checks and self-discipline of he employees as much as possible into regular behavior consciously. Performance appraisal should reflect the value concept of advocating compliance and punishing violations, and establish effective compliance accountability system. The board of directors and senior management of compliance management ultimately responsible for the Banks, business units directly responsible of the compliance risk, each employee is responsible for the compliance of its business activities, compliance department responsible for compliance management. For violations of the criminal responsibility cognizance and strictly, and take effective corrective measures to improve the management of the process in time, to review the business and operational processes, strengthen the system of binding and control.

Develop a complete set of business policies, behavior manuals and operating procedures for all personnel. The establishment of posts should be scientifically reasonable and mutually restricted, establishing and implementing regular rotation and mandatory leave system, and reducing the possibility of risk taking from the institutional level. On the basis of the establishment of the post process, establish the authorization mechanism of scientific standard and set the management responsibility of each layer. On this basis, the effective identification, evaluation, monitoring and reporting mechanism of compliance risk is established, and the compliance supervision reporting system from the bottom up is formed. According to the supervision and report the results of the analysis, to carry out the incentive constraints, sweepstakes carried out punishment, encourage compliance law-abiding, restrain illegal violation behavior, to punish misconduct, further to prevent the happening of the risk and loss.

To establish a timely and effective compliance systems update mechanism, set up constantly revise and improve the compliance system, solve the compliance risk management system based on the source, make bank internal rules and regulations and implement effective connection link, to benefit from the compliance management. Commercial Banks compliance management staff should correctly understand the rules and the spirit of the laws, rules and standards, accurately grasping the laws, rules and standards for the influence of the commercial bank management, timely provide compliance advice to senior management and in the new situation of business opportunities. Proactively identify and evaluate compliance risk associated with commercial bank business activities, and business development for the business department or provide compliance support product innovation and so on, to embody the value of the compliance department, for the development of new products and new business to provide the necessary compliance audits, and testing. Identify and evaluate the development of new business methods, the establishment of new customer relationships and the compliance risks arising from significant changes in the nature of customer relations.

We will establish a comprehensive training mechanism for all staff members, implement a collaborative framework for personnel organization that is compatible with the bank's compliance strategic objectives, and coordinate the efforts of various departments in compliance management. Commercial Banks should optimize the compliance supervision mechanism and realize the effect of coordinated compliance. In order to achieve the best execution effect of compliance management, it is necessary for commercial Banks to cooperate fully, with different emphasis on each other, to establish the layer of defense of compliance management, and to improve the control ability of compliance risk. The compliance chief shall identify and overall coordination of commercial bank compliance risk management, supervision and compliance department according to the compliance risk management plan to perform his duties, the compliance risk assessment report can be submitted to senior management on a regular basis. Commercial Banks should regularly for compliance management system of professional skills training, especially in the grasp of the development of laws, rules and standards and its influence on commercial Banks and other aspects of skills training.

We will establish a sound monitoring system for compliance audit, control the risk points through various people and machine monitoring methods, and strengthen internal auditing and auditing to improve the compliance management system. Institutions at all levels should fully use the business inspection, audit and counter monitoring means, strengthen the basic-level organization key risk point and the frequency is higher, at the risk of loss sustained, the potential to cause major emphasis of monitoring and inspection, through effective control of important risk points, reducing the occurrence of the case. Using electronic compliance management to strengthen the executive power, the information fusion system by retrieval, contract review, authorization management, compliance q&a session, the compliance workshop, regulatory dynamics, anti-money laundering monitoring and work as one of the compliance management of electronic information system, to promote business and routing cooperation and cohesion between the compliance department at the same time, also realize real-time interaction with the bank internal compliance management of sustainable improvement goals, accelerate the operation mode of the bank by the department of the bank to process the bank. Continuously improve the science and technology information system, development of supervision system and risk early warning system and establish effective IT supervision mechanism, improving technology through the ability to guard against operational risks, produce all kinds of management information and reports in a timely and effective manner, to review and compliance departments for the business operation management to provide a solid foundation. In addition, commercial Banks compliance function should be and separating the functions of internal audit, the implementation of the compliance function should accept the independence of internal audit department regularly, in order to make the compliance function get constantly improve and improve.

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