Chengdu Branch Of China Of Minsheng Banking System The Risk Management And Implementation

With the rapid development of the finance-globalization and market economy, management in bank industry has become more and more international and integrative with the complex environment.After some news such as management risk was exposed, bank industry Pays much more attention to the improvement of compliance-risk management system. Some international banks have already established perfect compliance-risk management system in order to heighten the efficiency of the bank management. It is true that establishing this system is an essential way to improve banks’competition and achieve the goal obtaining high profit.Compliance-risk management in our country lags behind foreign banks and has lots of problems such as underdeveloped system, some problem on ideas. Therefore, it is quite necessary to establish perfect compliance-risk management system which can help banks to manage compliance-risk effectively. At the same time, reforms on banks have developed quickly and thoroughly in China, which gives an opportunity for the construction of compliance-risk management system.As one of the most growth valued and innovative bank in China, CMBC attaches great importance to comprehensive risk control and compliance risk management. In addition, CMBC is the first who establishes compliance risk management system with Chinese characteristics and consistent with self-development. Therefore, CMBC is the pioneer and innovator in the area of compliance risk management. Based on the actuality that there is deficient in theories of compliance risk management and practice, standing in a bank practitioner’s point of view, this paper chooses compliance risk management in Chengdu Branch of CMBC as research object and makes depth analysis in relevant documents, systems and regulations. Besides of it, the paper puts forward a conceptual model of compliance risk management system about Chengdu Branch of CMBC. The model contains the specific design ideas, the overall framework, department organizational framework, composition of contents an so on. What is more important, according to this frame model, this paper comes up with a feasible recycling compliance risk management model with a view to effective compliance management and a core of process management. Also the system is based on IT system and the spirit of the Basel Committee on Banking Supervision and the Banking Bureau of compliance-related guidance documents. The mainline of the system is risk monitoring, risk recognition and assessment, report, feedback, control and promotion.This compliance-risk management system is built on the basis of the author’long-term work accumulation. It is an entirely new experience and innovation to the domestic commercial banks’compliance- risk management theory and practice. At first, it is the first in China that proposes a concept of compliance-risk management model. Secondly, it is the first time in China that the paper has comprehensively set out in detail from the compliance entity, internal system, compliance-risk management system, compliance culture and IT systems five areas of compliance risk management system. Thirdly, also it is the first time in China that the paper has presented an implementation and operation system which is based on the compliance-risk management system. The implementation and operation system has included compliance-risk identification and assessment, compliance-risks inspection, compliance risk auditing, compliance-risk reporting and compliance-risk assessment together six aspects. Therefore we can say it is the first time that we have totally sorted the regulation and joint in sour compliance risk management theory. It has reflected a advanced compliance risk management thinking. The facts that system has operated smoothly and orderly in the chengdu branch of CMBC has demonstrated while meeting the requirement of CBRC the system has solved a variety of compliance-risk management issues, the internal control mechanism has perfected, the comprehensive risks have been controlled effectively. Also it has promoted the work rapidly and match perfectly with the bank’s development goals.This paper is divided into six parts.The first chapter introduces the background of the thesis and writing ideas.The second chapter introduces the theoretical basis of compliance risk management in Commercial bank, and this part provides conceptual definition and theoretical support for the research.The third, forth and fifth chapters are the main parts of this article. According to the development status of Chengdu Branch of CMBC, the paper raises the design ideas and overall framework of compliance risk management system and analyses the specific contents and measures of construction. And then the article summarizes and designs the operational processes to form a complete set of theoretical framework.The last part is the describes the effect and evaluation。At last it goes to conclusion.