Research On The Mechanism Construction For Case Prevention And Control Of Minsheng Bank,Nanchang Branch

With the deepening of the reform of financial system in China,affected by the domestic economic slowdown,industry structure adjustment,market liquidity continued tightening and other factors,the commercial banks face the credit risk and operational risk pressure also increased significantly,increased risk exposure.Frequent cases of commercial banks,not only affect the stability of the banking system,but also to a certain extent,weakened the role of the banking sector to support the economic development.Thus,the issue of prevention and control of the case is no longer just a problem in the banking industry,in advance to prevent and reduce the risk of the case has been closely related to the banking sector should pay attention to the event.Minsheng Bank Nanchang branch in the prevention and control of cases,according to the "prevention,investigation and prevention" ideas,adhere to build mechanisms and investigate the combination based on business development,focus on the economic situation,focus on strengthening the case against the construction of long-term mechanism,adhere to compliance supervision and risk supervision and give prominence to the case,off-site supervision and site inspection,formed a clear division of labor,coordination of the case prevention and control work pattern,since the establishment of the business running smoothly,the incidence of cases continued to zero.In recent years,all kinds of banking cases occurred frequently,and the incidence rate is high,the situation is more serious.The bank in recent years the case to analyze,although various forms,but the deep reason boils down to one point,is mainly due to the internal control system fails to perform in place to cause,mainly reflected in the management system is not perfect,the organizational structure is not perfect,supervision is not comprehensive,on the basis of this paper will be from the outside the macro environment and the internal management defects of two layer facing all kinds of challenges and system defects of Minsheng Bank Nanchang branch is facing in the case prevention and control work in the process of system analysis.Mainly from the three aspects of the construction of the Nanchang branch of the people's livelihood bank,from the aspects of improving the system execution ability,improving the organization,strengthening supervision and management,put forward reasonable suggestions.Through systematic analysis,this paper thinks that commercial banks should abandon the old concept of "light weight case prevention,business development,strengthen the initiative to carry out case prevention and control work;to change the business model and management system as a fulcrum,based on the operation and management of the grass-roots network real basis,by carrying out the system of carding,perfect organization,strengthening measures supervision and management of specific and feasible,change the traditional mode of case prevention,optimization of risk management measures,and actively embrace the Internet financial and financial Internet,to create a different version of the risk prevention as the core of the case prevention and control mode,can always grasp the business development opportunities,leading the market cross.