Research On Compliance Risk Management Of Z Commercial Bank

China's finance has bid farewell to the stage of barbaric growth.The only way for the healthy development of the financial industry is to enter a new stage of standardized development.Under this general trend,strong supervision,heavy punishment and strict accountability become the normal at present and in the future.In the face of the severe financial development environment,the enterprise's own profits are facing a downward trend,the risk of illegal business operation is exposed and bad However,the risk management of commercial banks is weak in the face of the current challenges.The regulatory authorities also frequently issue large fines.Commercial banks urgently need an effective risk management system to guarantee the stable and sustainable development of banks.At present,the risks faced by commercial banks mainly include legal risks,operational risks,reputation risks,compliance risks,etc.compared with other kinds of risks,compliance risks have more subjective factors,are more global and extensive,and are often the cause of other risk factors.Therefore,it is urgent for bank compliance risk management,which should be regarded as the most important internal risk A management activity for.At present,domestic commercial banks pay more attention to the introduction and improvement of the compliance risk management system,absorb the compliance management experience of foreign banks,introduce effective compliance management tools,and establish management methods and system suitable for the development of banks according to their own actual development.However,due to the short time of research on compliance risk management of domestic banks,the overall management level is still at a low level,many banks copy the experience,lack of independent innovation,and compliance risk management still stays at the theoretical level and the formal level,which can not be implemented in specific practice.In such an environment,the author carries out a study on the current situation of compliance risk management of Z Commercial Bank,hoping to put forward effective improvement measures.Based on the domestic and international financial environment and the status quo of compliance risk management at home and abroad as the research background,this paper puts forward the research content,research methods and ideas.Then it introduces the theoretical basis of compliance risk management of commercial banks,combs the basic concept of compliance,the evolution process of compliance management theory,the correlation between compliance risk and credit risk,reputation risk,operational risk,and the five elements and evaluation methods of compliance risk management.Taking Z Commercial Bank as the research object,this paper introduces the compliance risk management mode of Z Commercial Bank and Z Commercial Bank,studies the existing problems from the four aspects of compliance risk management control environment,compliance risk identification and evaluation,compliance risk control and supervision system and compliance risk management information exchange and communication,and puts forward corresponding solutions.Finally,the conclusion is drawn that Z Commercial Bank's compliance risk management should realize "three lines of defense" joint prevention and control,form a compliance management joint force,improve the effectiveness of compliance management and keep pace with the times.