商业银行操作风险防控与合规文化建设

发布时间：2018-04-24 01:31

本文选题：商业银行文化建设 + 金融风险　；参考：《南方金融》2017年09期

【摘要】：合规风险与操作风险之间存在着相关性,分析两类风险的相互关系有助于制定协同、一致的解决方案。产生合规风险和操作风险的主体是银行员工,而银行文化对员工具有内在的约束、激励和导向作用,因此,从文化视角出发,研究合规文化对风险管理的作用机制具有重要的理论意义和现实意义。"主动合规"是商业银行合规文化建设的方向。"规"是一种行为规范,"合"是一种思维方式,"主动"是一种价值观念。在这一价值观念指引下,银行员工会深刻领悟合规价值,并将长期习惯性的合规操作转化为自身的责任,使合规操作融入银行经营管理之中。商业银行实现合规文化建设的目标,关键是要正确处理业务发展与合规操作的关系、客户满意度与合规操作之间的关系、不同业务部门规章制度之间相冲突的关系、高管人员要求和规章制度之间的关系、检查考核与降低操作风险之间的关系、文化建设的长期性要求和短期性需求之间的关系。
[Abstract]:There is a correlation between compliance risk and operational risk. The subject of the compliance risk and operational risk is the bank employee, and the bank culture has the inherent restriction, incentive and guidance function to the employee, therefore, from the cultural angle of view, It is of great theoretical and practical significance to study the mechanism of compliance culture on risk management. " Active compliance is the direction of the construction of compliance culture in commercial banks. Regulation is a standard of conduct, harmony is a mode of thinking, and initiative is a value. Under the guidance of this value concept, the bank staff will deeply understand the compliance value and transform the long-term habitual compliance operation into their own responsibility, so that the compliance operation can be integrated into the management of the bank. For commercial banks to achieve the goal of building a compliance culture, the key is to correctly handle the relationship between business development and compliance operations, the relationship between customer satisfaction and compliance operations, and the conflict between the rules and regulations of different business departments, The relationship between executive requirements and rules and regulations, the relationship between examination and assessment and the reduction of operational risk, and the relationship between the long-term requirements of cultural construction and short-term needs.
【作者单位】：中国农业银行泰州分行;
【分类号】：F832.33

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