XNYZ Corporation's Research On The Improvement Of Financial Compliance Risk Management

Banks is to support the national economy high speed development of our country's main financial sector.In recent years,macro economic growth rate decline and structural adjustment of national economy to increase the risk of enterprise operation,the result in increased operational risk of commercial bank.Domestic scandal,illegal events involved amount is huge,to our country banking risk management put forward higher request,credit risk,market risk and operational risk though as three major risks of commercial Banks,but from the risk control level,compliance risk above,compliance risk as a basis to control and reduce the risk of other.At present,China's commercial Banks has been the compliance risk management on the agenda,the Banks have to strengthen the compliance department set up,and strive to build a perfect compliance risk management system,cultivating advanced culture of compliance.But still in its infancy,faced with some problems and difficulties.I will work with my professional knowledge and practical experience research XNYZ company agent improvement methods of financial compliance risk management,help the company improve compliance risk management ability.This paper introduces the concepts of compliance risk,commercial bank compliance risk management related theory and current situation of the development of commercial Banks at home and abroad,and the related theoretical concept are integrated under the premise of inductive analysis,combined with their own long-term working experience,XNYZ company compliance risk management for the relevant data analysis,summary,and with the company internal majority of personnel at the grass-roots level and the management of the company compliance risk management carried on the thorough exchange,the status quo of the system that the company exists in the enforcement,prevention and control process failure three problems of lag and personnel management,and has carried on the detailed analysis of the cause of the problem,research,and put forward to advance beforehand risk identification,risk assessment,afterwards improvement project of risk control as the core,innovation the compliance risk management model,improve the management quality,and the effect of compliance.And from the system,the preliminary data analysis comb for risk identification methods,to create compliance unit and to evaluate the network risk assessment mechanism,with serious accountability,strengthen the training for control method for actual implementation plan design.Next,respectively from the system,improve the system of internal business system,compliance and compliance accountability and compliance team management system),organization(optimizing organization structure,ensuring the compliance department independence and enhance the compliance department authority),culture(compliance culture,concept and atmosphere)and talent(the incentive-restricted mechanism,compliance training and talent reserves,indicators improved)four aspects this paper expounds the improvement scheme safeguards.Finally obtained beforehand,and control approaches,to further improve risk prevention effect,at the same time to consider problems need further research.The proposed XNYZ compliance risk management improvement program based on the profound theory analysis and rich working practice,the author believes that if the company can consider the plan,will help promote its compliance risk management ability,to other commercial bank compliance risk management also has a certain reference value.