Research On Optimization Of Compliance Risk Management Of ZS Bank

Since 2005,with the core of the ten principles of compliance risk management released by the Compliance and compliance function in banks of Basel committee on banking supervision,the consensus and concept of compliance risk management in the international banking business have become increasingly mature,and the supervision practice has been continuously promoted.Subsequently,in a series of documents,the Basel committee on banking supervision reiterated the importance of compliance risk management for many times and further clarified relevant requirements.With the continuous strengthening of compliance risk management requirements in the international banking business,the importance of compliance risk management in China's banking business has also increased significantly in recent years.In October 2006,China banking regulatory commission issued The guidelines on compliance risk management of commercial Banks,which gave strong guidance to China's commercial banks to strengthen compliance risk management.As a national joint-stock commercial bank established for 33 years,ZS bank is developing rapidly,but its internal compliance risk management is still in the primary stage.Compared with the advanced banks in Europe and the United States,there is still a big gap for ZS bank in comprehensive and proactive compliance requirements,its compliance risk management is faced with a very serious situation and tasks,and the supporting role in operation and management needs to be strengthened urgently.This article is based on the understanding of the current situation of ZS bank's compliance risk management,relied on the management experience accumulated in the work practice,and referred to the mature theory and related literature on compliance risk management of banking financial institutions at home and abroad,combined the internal requirements of two authoritative documents—Compliance and compliance function in banks and The guidelines on compliance risk management of commercial Banks,we make clear of the framework and contents of ZS bank's compliance risk management.With the research method of normative analysis combined with case analysis,we make a deep analysis in compliance risk and compliance risk management of ZS bank,and find out a series of problems in ZSbank's compliance management,such as the mature compliance culture has not been established,the compliance risk management system is imperfect,the lack of compliance risk management means and the management functions of compliance department needs to be strengthened.Furthermore,the reasons behind these problems are analyzed in depth too,and then the specific optimization plan to improve the compliance risk management level of ZS bank is proposed from four dimensions of culture construction,system improvement,management means and management functions,as well as the guarantee measures to ensure the optimization scheme can be effectively implemented.