Research On Compliance Management Of Rural Credit Cooperatives In HN Province

In recent years,because of the declining of the overall economy and the decrease of market loan demand,banks are more difficult to maintain a certain extent of loan growth.At the same time by the interest rate liberalization,financial disintermediation,the increasingly fierce competition in the same industry and other factors,the deposit and loan spread income is declining,accounting for the proportion of overall income decline;In the past,some of the irregularities caused by the problem of non-performing loans continued to expose,potential risks increased.The combination of old and new contradictions and problems,resulting in the difficulty of risk prevention and stability,compliance management is particularly important for the steady operation of banks.Therefore,the research on compliance management is of great significance for the rural credit cooperatives in HN province to effectively prevent the compliance risk and the derivative risk and improve the management level.This paper uses literature analysis,classification induction,comparative analysis and management knowledge to study the compliance management of rural credit cooperatives in HN province.This paper firstly introduces the research background and significance,main content frame and writing method;secondly,starting from the basic situation of compliance management of rural credit cooperatives in HN Province,this paper analyzes the problems existing in the compliance management system,the development stage of compliance management,the compliance culture construction,compliance management information technology and compliance supervision of HN rural credit cooperatives,and through simple game analysis,the main factors affecting compliance are the level of illegal costs,the inspection effectiveness of compliance managers,the moral hazard of employees and so on.On this basis,combined with the actual situation to study the causes of the problems;in addition,analyzing the basic practices of compliance management of financial institutions at home and abroad and drawing lessons from the experience of effective compliance management,summed up the enlightenment of effective compliance management;finally,aiming at the existing problems of compliance management,through the analysis of the reasons above and lessons learned from the advanced experience of domestic and foreign financial institutions,this paper sums up the clear thinking of improving the compliance management of HN rural credit cooperatives.Including the strengthening of compliance system construction,the establishment of compliance management system,the implementation of effective and timely update system construction dynamic management mode and improve the system of the audit staff working level;improve the comprehensive risk management mechanism,establishing risk management organization system,improve personnel and compliance operation mechanism;strengthen the compliance culture construction,implementation of full compliance concept,strengthen compliance publicity,focus on staff training and education,to set up effective incentive mechanism;innovation of compliance management methods,establish compliance management in the big data background,establish compliance management based on process bank,implement illegal integration and quantitative compliance management;strengthen compliance management and supervision,innovate supervision means,establish positive incentive mechanism,increase supervision and inspection,and carry out strict accountability.