Connected Transactions Compliance Risk Management Research Of Commercial Banks Under Consolidated Operating

With the joint-stock reform, as well as consolidated operating, diversified shareholding structure of China’s commercial banks, become a financial holding company, the frequent occurrence of connected transactions, transaction amount, involving a wide range of business. At the same time, the external strict supervision, regulations and regulatory bodies connected transactions inconsistent, so that commercial banks face a higher risk of connected transactions, including compliance risk. How to avoid being punished, control connected transactions, to ensure that the bank’s prudent and sound management, risk management of commercial banks. Papers integrated use of empirical analysis, comparative analysis, A bank, for example, analyze compliance risks connected transactions of commercial banks, Asymmetric Information theory, transaction cost theory, a comprehensive risk management theory based, connected transaction management status quo, against the commercial banks that compliance risks facing the risk causes and from foster good compliance culture, the establishment of a the associated trading system dynamic management mechanism to carry out the rating of the related parties to improve the information management level aspects operability, practical recommendations.First, the paper briefly describes the background, meaning and object of study, research methods. Second, the definition of a related party, the concept of Connected transactions and compliance risks, analysis of Asymmetric Information theory, transaction cost theory, a comprehensive risk management theory, provide the basis for the analysis of risk management. Again, combined with the current situation, the type and characteristics of the connected transactions, and to lay the foundation for further analysis. Again, A bank, for example, the combination of management status, system construction, the fairness of connected transactions, critical risk point control situation, the information disclosure of connected transactions, analysis of risk form of expression, from the awareness of compliance, and system management mechanisms, management way, the technical means to analyze the root cause of problems. Finally, for the compliance risks faced by the connected transactions of commercial banks, compliance start from the senior establish compliance everybody’s business culture of compliance, to ensure the validity of the system implementation. In institutional development, should be dynamic tracking changes in the prescribed form a system update, improve the mechanism to ensure the adaptability of the system to develop. To draw customers credit rating, current commercial bank management enough fine, innovative way to carry out the rating of related party and explore fine new methods of risk management connected transactions, to explore the design ideas of the management information system of connected transactions, management of connected transactions embedded in business processes, the whole process of management of the risk of connected transactions.