The Research Of Legal Risk Management In Jilin Province Branch Of Agricultural Bank

Along with the fierce competition in the financial market, as one of themost important provincial branch of large provincial banks, business scopecontinuously extended in Jilin Province Branch of Agricultural Bank, productsconstantly bring forth the new through the old, the group of customers continueto expand, and legal consciousness and assertion of rights consciousness areincreasing day by day among the customers. At the same time, in order to be onguard against the arising of financial risk, external supervision department givemore strict and careful requirements including management according to lawand control legal risk to commercial banks. Not only the internal and externalfactors but also the change of surrounding environment have brought greatchallenges to the legal risk management of Jilin Province Branch of AgriculturalBank, Especially in recent years, after Jilin Province Branch of AgriculturalBank adopt the overall business strategy to “facing about countryside,agriculture and farmers, interaction between town and country”, thecharacteristics of the wide business coverage, long management chain, manyoperation action and large employee make the task about management of legalrisk become more and more difficult, the relevant problem of legal riskmanagement on idea, mechanism,policy,method and procedure need to befurther researched and improved.The thesis takes the problem of legal risk management and countermeasures in Jilin Province Branch of Agricultural Bank as the researchobject, as soon as soon as possible to establish legal risk management systemwith clear management responsibilities, scientific management and smoothrunning, realize the organic combination together with thestrategy,policy,organization,tool and personnel of legal risk management, ensureto make overall, the entire personnel and the whole course management on legalrisk as the basic ideals. Starting from the connotations of law of banking riskand characteristics, give the standard to determine the difference between creditrisk of bank legal risk and the market risk, and then sum up ten kinds of internaland external legal risks which Jilin Province Branch of Agricultural Bank willface, laid a foundation for the further research on the legal risk management. Atthe same time, this article fully using the advanced practice on theimplementation of legal risk management from domestic and foreigncommercial bank, based on the experience and problems through summarizingand reviewing the history and the current situation of legal risk management ofJilin Province Branch of Agricultural Bank, further analyzes the current existingprominent problems in four aspects of legal risk management which are defectof the management idea, absence of management mechanism, gaps ofmanagement policy and lack of management methods, and from the actual workneeds, put forward related countermeasures and suggestions on how to cultivatebusiness philosophy of legal risk management, and how to improve policies andmechanisms of the legal risk management, how to improve the legal riskmanagement processes, and how to strengthen support and security on the legalrisk management, look forward to be helpful and reference to Jilin ProvinceBranch of Agricultural Bank about preliminary construction of legal riskmanagement mechanism, continuously improving the legal risk managementlevel, effectively preventing various legal risk, realizing the whole business of whole bank to make decision strategy, administrate and operate according tolaw.