Credit Compliance Risk Management Of Commercial Bank

Along with the transition and change of economic model, as the main service object of rural commercial bank ‘agriculture, farmer and rural area ’development pace gradually accelerated which has been more important to the development of national economy and social stability. ‘agriculture, farmer and rural area ’ financial services are more popular with commercial banks and become a blue ocean of competition among commercial banks. At the same time, as the organization of the business risk, how to prevent various risks in credit business and improve competitiveness in the regional economy has become an important topic. Especially financial institutions involved major and important cases and the money involved increasing each year. Bank internal compliance risk management deficiencies become one of the main causes of the outbreak of the commercial bank risk and case. Credit compliance risk is more important than credit risk market risk and operational risk.The assay chooses Y Rural Commercial Bank credit compliance risk management as study objects. Based on the summary and analysis of the domestic and foreign compliance risk management theories, compared the commercial bank compliance risk and operational risk, compliance risk,internal control, the relationship between the compliance risk and legal risk to get the characteristics of compliance risk management in credit.On the basis of Y Rural Commercial Bank credit compliance risk management present situation, put forward Y Rural Commercial Bank compliance risk evaluation system, improve existing credit compliance management system, strengthen the comprehensive management capabilities of Rural Commercial Bank in credit compliance risk.This assay analyzed the compliance risk management current situation of Y Rural Commercial Bank, based on the organizational structure to hold compliance risk responsibility down to each level to implement for duty assigned to individuals, through risk forward thinking, implementing accredited risk manage system to strengthen credit risk control. Combined Y Rural Commercial Bank compliance risk management practice to identify present compliance risk management system has the followed problems: culture concept is not mature, organizational structure is not perfect, defects in the system construction,management evaluation system is not reasonable, etc. Study conclusions:Firstly, by creating good environment for the compliance culture, highlighting the role of executives, to cultivate mature compliance risk management culture. Secondly,improving the compliance risk management framework, making full use of the staffs of " three defense lines " ensuring the relative independence of compliance department, to establish efficient organizational structure. Thirdly, strengthen system construction, holding compliance risk responsibility down to individuals. Fourthly, strengthen credit compliance risk management measures on the basis of effective risk identification, to build credit business whole process compliance risk management system making the compliance risk management closer to the actual operation. through credit compliance risk management ability evaluation system, combining credit business compliance management with annual business management assessment, taking incentive, accountability to guide the branch carry out compliance philosophy form long-term compliance risk management operation mechanism. Fifthly, optimizing the compliance risk management techniques, through compliance risk information database to improve risk identification accuracy to manage credit business compliance risks comprehensively. The research of this subject will have some realistic and practical effects on rural commercial bank implementing compliance risk management.