Analysis And Discussion On Compliance Risk Management Of Rural Commercial Banks

With the current development of financial globalization, the business activities of commercial banks are gradually tend to the diversification and internationalization of the business environment is also increasingly complex. Market economy prompted many businesses and individuals to maximize their own interests just as the goal, causing a lot of commercial banks which case some of the risks of secret operations and various money laundering scandal. Many cases of domestic and foreign banks demonstrate compliance risk if a loophole may lead to the loss of the bank's assets, the loss of credibility, the legal case, the deterioration of the credit environment eventually lead to serious consequences of bankruptcy and collapse like. Since 2005, the Basel Committee on Banking repeatedly raised the importance of compliance risk management, we have developed a "compliance with the bank's internal compliance department", "strengthen the banking corporate governance principles" and "Core Principles for Effective Banking Supervision "and other documents. Currently, large banks in developed countries have established a comprehensive compliance risk management system, compliance with the concept of the regulatory system to reach a consensus, improve management efficiency and sustainable development banks. Many cases of proven practice and establish a sound scientific compliance risk management system can not only improve the competitiveness of commercial banks, commercial banks to achieve the objective of maximizing its key role. Compared with developed countries, China's commercial banks started late compliance risk management, especially in recent years, just restructuring of rural commercial banks, there is more problems, the lack of a sound management system and the lack of advanced methods, but also management concepts relatively backward, some even continue to use the original rural credit cooperatives, risk management. Some of the rural commercial bank internal control system is not perfect, to prevent urgent cases, as required by the CBRC RCCs must be restructured in 2018 into a rural commercial banks, so the current situation is not optimistic, the CBRC with the implementation of new regulatory standards in rural areas after the reform commercial banks increased market competition, compliance risks increasing pressure, it is necessary to improve the health legislation compliance management system to guarantee the implementation of the system, enhancing the effectiveness of capacity-round risk management and control of the bank. In this paper, rural commercial banks after the restructuring of the compliance management of the current situation, combined with the current actual construction to the study of rural commercial bank compliance risk management analysis of the defense, promote scientific and standardized operational risk management construction. Text in the current situation, commercial banks compliance risk characteristics and basic content of the first analysis and overview of the new regulatory standards mainly rural commercial banks after the restructuring of the compliance risk management internal control mechanism, tissues Situation frame depth analysis, understand and analyze the reasons, based on the specific circumstances put forward opinions and suggestions to improve.