中小银行合规管理有效性分析

On the Validity of Compliance Management in Small and Medium-sized Banks

依法合规经营,是《商业银行法》对商业银行的基本要求,是规范银行经营行为、有效防范风险的重要前提,也是衡量中资银行经营管理水平的重要指标。从近几年发生的违规案件来看,中小银行的合规失效问题严重。有章不循、执章不力,银行内部相互的制衡机制难以有效地发挥作用,是导致案件发生的重要原因。本文对中小银行合规管理进行了初步梳理,并对如何提升中小银行合规管理的有效性提出若干建议。

Legal operation and compliance is the essential requirement of the Law of the People＇s Republic of China on Commercial Banks and the premise of regulating bank＇s behavior and preventing risks,and also the important indicator to evaluate the management level of Chinese banks.Considering the several illegal cases in recent years,there is severe compliance invalidity in small and medium-sized banks.The internal balancing mechanism of banks can not function effectively for either not following the protocol or not implementing rules forcefully,thus resulting in the breaking out of illegal cases.The article sorts out the compliance management in small and medium-sized banks,and suggests on how to improve the validity of compliance management.