政策性银行合规风险管理的完善

Improvement of Compliance Risk Management in Policy-oriented Banks

随着我国经济不断发展,政策性银行在经济发展的大浪潮中,经营活动更加多元化,经营环境更加复杂化,自上而下提出全面风险管理.面对操作风险、市场风险、信用风险,其诱发因素是合规风险,居于基础性地位,因此,合规风险管理至关重要.从定义合规风险和合规风险管理入手,指出合规风险管理的现实意义,并以湖南省东部某二级分行为例,剖析政策性银行合规风险管理的现状,并从培养良好合规文化,构建合规风险管理组织架构,建立“嵌入式”合规风险管理模型,对加强合规风险管理提出一些建议.

With the growing development of China’s economy,the policy banks have diversified their business activities and complicated business environments in the big wave of economic development,and put forward comprehensive risk management from top to bottom.The banks are faced with operational risks,market risks,credit risks,whose inducing factors are compliance risks because of their fundamental position.Therefore,compliance risk management is of great importance.Starting from the definition of compliance risk and compliance risk management,the present paper points out the practical significance of compliance risk management,analyzes the status quo of compliance risk management in policy-oriented banks with a secondary branch in Eastern Hunan province as an example,and puts forward some suggestions on the strengthening of compliance risk management by cultivating a good compliance culture,building an organizational framework for compliance risk management,and constructing an“embedded”compliance risk management model.