健全内部控制,防范金融风险

Amplify internal control system and safeguard against financial risk

金融业是一个高风险行业,内部控制制度失效代价惊人。各国金融监管当局和银行业纷纷采取措施,加强银行内部控制制度的建设。我国银行近年来在加强内部控制管理,完善内部控制机制方面采取了一系列措施,在一定程度上起到了防范金融风险的作用。但从整体上来看,银行内部控制还相当薄弱并存在一定的问题。为防范金融风险,应做到:一、高度重视防范化解金融风险,充分认识内控制度的意义;二、树立稳健的经营思想,建立必要的制度和严格的业务程序;三、建立科学的内部治理结构,健全权力监督制度;四、加强资产管理和信贷质量管理;五、加强对员工素质的控制;六、加强审计工作。

Finance is a high-risk industry,The malfunction of the internal control system makes it pay cost dearly.The financialsupervision authority and banks in all countries have taken actions to reinforce their internal control system,which give full play tosafeguard against the financial risk to some extent.But as a whole,problems still existed in the internal control system in succession. Inrecent years, the banks in China have adopted a series of measures to strengthen and amplify internal control system, which give fullplay to safeguard against the financial risk to some extent. But as a whole, problems still existed in the internal control system ofbanks.So in oder to safeguard against the financial risk,it should be done as follows:1.To pay attention to safeguard against financial riskand acknowledge the internal control system,and to build the stable operation concept and perfect necessary regulations;2.To formeffective regulations in the respect of enhancing the staffs’quality;3.To set up a scientific administrant structure,and perfect thesupervision system of authority;4.To reinforce the management of the assets and the quality of credit;5.To strengthen the control ofstaffs’quality;6.To reinforce the audit.