State-owned Commercial Bank To Compliance Risk Management

In China, the compliance risk management, as a banks'internal core risk management activity, only has the history of less than 5 years. After the shareholding reform of the state-owned banks, China's financial regulatory system has experienced profound changes. The regulatory authority has inclined to adopt the internationally accepted rules, that is, from the traditional mode of administrative regulation to the compliance regulation focusing on the effectiveness evaluation for compliance risk management mechanism. Therefore, it's worth studying how to conduct the compliance management and how to evaluate the compliance risk management in the state-owned banks.The thesis consists of 5 chapters.The first chapter introduces the background and significance, briefly reviews the research findings in China and abroad and then presents the contents, approaches and innovations of this thesis.The second chapter summarizes the researches about compliance risk in commercial bank internal control theories and fully discusses the meaning, characteristics of compliance risk management as well as the theoretical principle of the compliance risk management system, which defines and supports the whole study. Besides, the thesis makes further analysis through the relationship and differences between compliance risk and other risks to explain that compliance risk is the important incentive for other risks. And the thesis put forwards some opinions on the development trends of the commercial bank compliance risk management.The third chapter conducts the detailed analysis of the compliance risk management in state-owned commercial banks, points out the existing problems and through the comparison analyses the gaps between state-owned banks and foreign-funded commercial banks as well as the reasons of the problems.The fourth chapter studies the compliance risk identification and the management implementation approaches and builds up the indicator system and conceptual model for the compliance risk identification and assessment. Based on the theoretical analysis, the thesis analyzes the compliance risk profiles in state-owned banks during 2006 and 2008 through the empirical research, mainly studying the internal links between the scattered incidents and the compliance management in commercial banks as well as the factors affecting the compliance risk management level.The fifth chapter indicates the conclusion and suggestions which focus on how to guarantee the implementation of compliance risk management in state-owned commercial banks.