Research On The Risk Prevention Strategy Of “flying Orders” For Employees Of Bank G

As a steady and relatively traditional financial investment tool,bank financing has been deeply trusted by ordinary consumers and occupies a market share of up to 29% in the whole capital management market.Bank financing not only meets the investment needs of consumers,but also brings considerable off-balance-sheet income to banks.However,due to the rapid development of the bank’s own business,the lag of internal system,the inclination of internal control system to marketing performance,and the existence of regulatory vacuum in the regulatory policies of the regulatory authorities,the problem of illegal and criminal banking is becoming more frequent.At the same time,the banking financial institutions are also the largest economy in China’s financial market.All kinds of illegal cases of banks have received much more attention and caused much more adverse social impact than other nonbank financial institutions.In recent years,the high-profit temptation of "flying list" products and the imperfect financial management system of banks,the failure of risk management and the lack of laws and regulations have led to frequent "flying list" incidents.The "flying list" incident not only caused economic losses to investors,disrupted the stability of the financial market,it will brought many negative impacts to the banks involved.This paper chooses G Bank as the research object,which has developed personal finance business for many years and has a certain proportion of the financial market share.With the rapid development of G bank’s financial management business,the inadequacy of the construction of internal control system of the bank has become increasingly prominent,which seriously restricts the sound development of the bank.For this reason,chooses two real cases of G Bank in recent years for analysis.These two cases are representative in the common "flying list" cases.Through the case study and analysis,we can find out the practical problems to solve the operational risk of G Bank’s financial management business.At the beginning of this paper,the background and significance of the topic selection are elaborated,and the research ideas and methods are clarified.Through the study of the current situation of G Bank,this paper analyses the problems exposed by the bank’s "flying list" case.Firstly,this paper mainly analyses the scale of G Bank’s business development and the current situation of operational risk,financial management and sales risk management.Secondly,the analysis of operational risk loss caused by the case of G bank,analysis of "fly" real case process,the existence of G bank "fly" behavior exposed G bank’s problems are analyzed.The main problems include: firstly,the internal control system is in vain;secondly,the rules and regulations are later than the business development speed;thirdly,the enterprise culture atmosphere of emphasizing marketing and neglecting management is prominent;fourthly,the staff’s professional accomplishment and risk awareness are weak.At the same time,it analyses the adverse effects and economic losses caused by the "flying list" case on the bank,including reputation risk,regulatory penalty risk and property loss risk.According to the analysis results of the "flying list" case of G Bank,the author puts forward the specific plan of G Bank to prevent the "flying list" risk from continuing to occur.The scheme mainly includes five parts: financial management and sales process system,suspicious event reporting system,behavioral risk management system,systematic scientific and technological innovation and human resources management system.Better financial management and sales system can increase the risk control of sales process.Suspicious Event Reporting System can help G Bank to discover the "flying list" incident in time and stop losses in time.Establishing a behavioral risk management system will help G bank accurately measure the risk losses that may arise from flying orders according to the collected information.The technological innovation of G Bank’s internal system can reduce the risk of "flying ticket" caused by system loopholes.Secondly,according to the actual situation of G Bank,the paper puts forward the safeguard measures to ensure the smooth implementation of the scheme,including shaping enterprise culture,increasing team building,increasing capital investment,etc.