农村信用社防范操作风险之我见（My view on the operational risk prevention of rural credit cooperatives）.doc

农村信用社防范操作风险之我见（My view on the operational risk prevention of rural credit cooperatives）I see the prevention of operational risk of rural credit cooperativesAuthor: Jiang Lianyi published: 2008-04-07 source: Heze City Mudan District Rural Credit Cooperatives-In recent years, rural credit cooperatives operating risks frequently, not only caused huge losses to the rural credit cooperatives, rural credit cooperatives, public opinion on internal control question ability. Therefore, to further deepen the reform in, gradually move to the stock of the rural credit cooperatives in China said, the prevention of operational risk is a very important and urgent research topic.A reference to the new Basel Capital Accord, operational risk managementThe Basel Committee proposed and built to the 10 principles of operational risk control. These 10 principles, progress is subdivided into four parts of strategy, process, infrastructure and environment. The strategy of setting the overall tone of wind operation management and basic methods, including business objectives, risk tolerance, reform the operation mode and related operational risk; process is in daily activities and processes established strategic risk management framework under |; infrastructure refers to the systems and tools in risk management and related environment including culture; factor.1, occupation conduct. The value of training employees, enhance awareness of risk awareness and prevention | wind operation, through knowledge and skills training, each employee makes the management and business execution layer link, are clearly understand the business risks, the risk of rural credit cooperatives internal control measures, the risk of wind | tolerance and irregularities may cause the cost, to increase the operational risk control behavior.2, process management. | first operational risk management objective is to strengthen the identification and control of harmful operating environment, which requires a very detailed framework for the management of the design process, including risk identification, assessment, analysis, control, supervision and reporting of bad day. In every aspect, it is necessary to determine the implementation of the specific procedures and steps, in order to enhance the operability of the process. For example, the supervision on risk monitoring procedures, to establish a set of operational risk, especially to establish standards for operational risk, to ensure that the relevant information of major risk events are delivered to the appropriate management.3, team spirit. Operational risk management is scattered in various business positions, characteristics of the dispersion type determines the specific business sector must take the first responsibility in operational risk management. At the same time, cooperation depends on the operation of wind, the effective management of the insurance L from the business department, the internal audit department and risk management department. One is to extract the necessary information of operation risk risk management from the operation of wind | transport environment, two is the rural credit cooperatives of various business departments carry out their duties, is responsible for the implementation of policy, risk management; three is the internal audit department audit, to establish the transverse effective restraint mechanism, ensure the unity of the operational risk management process, and according to the the appropriate control program to perform.There are two rural credit cooperatives, operational risk management problems1, the operational risk cognition deviation. The new capital accord on the rural credit cooperatives operating risk is defined as risk due to inadequate or failed internal processes, people and systems caused by external losses. From the scope of the operational risk, including the implementation of wind | risk, information risk, relationship risk, legal risk, personnel risk, system event risk management, in fact covers almost all aspects of the rural credit cooperatives of different wind | risks. But in the actual work, quite different levels of managers and employees will be regarded as financial crime risk operational risk; operational risk is equivalent to some operation, narrowing the scope of operational risk; and that between the operational risk events are isolated, no contact, lack of overall understanding and grasp of operational risk. These misunderstandings, often makes the risk is established on the basis of the tube system can not cover all of the operation of wind | risks, the construction of the internal control system only.In the operational risk and audit supervision level.2, slow updating system. The system must be synchronized with the development of business development and management requirements, in order to maintain the scientific and effective management. Some within the system of the current rural credit cooperatives is not fine, control of some key points in the part of system errors, slow updating etc. Such as the examination system, the Basel Committee believes that the management personnel in the operation of the operating system intervention, in opportunism, so it must make the incentive mechanism and evaluation system to be perfect, it is very important in the operation of wind | insurance management. The rural credit cooperatives, cooperatives in the past or the use of part of the deposit as an important assessment content assessment methods, no increase of business institutions, illegal operation problem rectification rate management behavior and the results of the assessment, the assessment of the basic business institutions and behavior distortion under deposit task some grassroots pressure, responsible for the completion of tasks of human society, not hesitate to make "money dealers" eventually collusion, bank loan fraud crime.3, the execution of the system is not strong. The system is the staff code of conduct and operational norms, the system is just, is the lesson of blood in writing, must be strict in demands execution. But there are still many employees lack the rigidity of the system and the concept of risk awareness, often not through the chapter, careless, and then allow criminals to increase operational risk.4, some of the rural credit cooperatives lack of adequate risk assessment. The evaluation process is a goal oriented process of rural credit cooperatives, which is what the wind exposure order, rural credit cooperatives, how to detect and control the risk, what are the potential defects, should be improved in what place, who is responsible for each event, and how to achieve this goal. Evaluation is the process of a qualitative risk, and rural credit cooperatives industry in this respect is very short.In three, the Rural Credit Cooperatives Operational Risk Prevention1, to strengthen the ideological and moral education and professional training to prevent operational risk from the source. The first operational risk events from rural credit cooperatives causes, moral risk accounted for a large proportion of. It is very important to prevent moral hazard. The moral hazard prevention focus is the education of cadres and employees to seriously study and practice the socialist concept of honor and disgrace, with the correct world outlook, outlook on life and values to guide the member of benevolence thought, scouring their thoughts, let them from the depths of the soul feel shameful, shameful and cynical as selfish shameful, establish righteousness with the socialistic honor eight honors Eight Disgraces "concept, so that those who have the moral hazard of the people have no place to hide, to purify our team, to prevent moral hazard. Second, pay attention to the cultural knowledge education and business skills training. The rural credit cooperatives risk management philosophy, technology and experience, if only in the hands of a few hands, the risk control is certainly not successful, the content and technology must make each member of the team have to understand, to accept, to perform, can really control risk. Therefore, management personnel at all levels of the rural credit cooperatives and all frontline staff to learn culture, system, law, do everything possible to improve the ability to prevent risks. Third, caring for employees suffering, create a warm and harmonious working atmosphere, enhance team cohesion and affinity. Leaders at all levels; to improve the treatment of employees under the existing conditions, care for the life of staff, carry out cultural activities rich and colorful, diverse forms, cultivate their homes and a sense of belonging, and actively create a good atmosphere of the job, compliance management, safe operation.2, to promote the compliance culture construction, to create the atmosphere of operational risk control. Compliance culture is an important part of the corporate culture of rural credit cooperatives. It contains not only includes the connotation of honesty and trustworthiness, integrity, law-abiding, moral values, and contains "compliance responsibility" and "compliance" to create value "compliance with regulatory interaction", "active compliance" concept, consciousness and behavior criterion.Compliance compliance of rural credit cooperatives is the most basic and core, one of the most durable regulations, only the compliance culture, operational risk management can work actively. One is vigorously to create and publicize the "instructions subject to the system within the system, dont forget the trust system, inertial abdication system" awareness of compliance, promote the integrity of moral concept in the whole credit cooperative, strengthen the system of rigid and inviolable , really make each post staff accept compliance the all-round education, actively seek external supervision department or the internal audit departments compliance advice, really make the business management personnel to risk actively, identification, assessment and monitoring of potential, able to control the risk in the bud. The two is to establish compliance is everyones idea of. Compliance is not a department of a personal responsibility, it is the responsibility of all employees. Only each employee compliance culture into the bone marrow, all employees become the conscious pursuit of the goal, in order to completely control the operation of the wind proof. Three is to strengthen the concept of compliance management, misunderstanding of blind development. To correctly handle the relationship between business development and strict management, strong tree internal priority concept, breaking the existing assessment mechanisms, basic teller wages, only with the system execution, the unit of work discipline, quality service on hook, director of the OfficeWages only with regulatory quality and work discipline linked to fundamentally reject the sacrificial system to root the blind pursuit of business development.3, establish a sound long-term mechanism of operational risk management.One is to make scientific system. First, to develop the system level, the system of the project, drafting, review, demonstration, release, and all aspects of revision, cancellation, interpretation and assembly, the establishment of the whole process management, process and authority form user-friendly, standardized operation, can not leave the management loopholes in the process, from the design of the system is not give criminals an opportunity to leave. Second, in the feedback effect on the system level, to have the bottom of the channel, to find and put forward the suggestions in the implementation of the system of decision making system in a timely manner to conduction; to have active mechanism from the top down, released in the implementation system, the active implementation of the system of the investigation to the makers of the system, according to the comprehensive evaluation of effect for the development of the system of collecting information. In third, the perfection of the system level, to carry out periodic review and revision, carding, cleaning, to adapt to changing business requirements and risk management.The two is to enhance the key links, effective control and management of the important tools and the important items. The increase of internal and external accounting review efforts to prevent the misappropriation of funds within the account and customer funds. To expand the means of reconciliation, reconciliation as far as possible to shorten the cycle, increase the frequency of assault reconciliation and other ways to improve the quality and effect of reconciliation. Second, strict customer seal management. Customer signature management should take special custody, safe storage, transfer of strict management, independent person is prohibited to contact, to reduce the probability of collusion, seal theft crime. Third, strengthen the safety certification card operating system, password management. The password should be changed frequently, the input is strictly confidential and safety certification card safekeeping is the effective measures to prevent the crime of insider.The three is serious to super execution maintenance system. First of all, we must carry out management accountability, supervision of persons break off, for violation of discipline of employees, regardless of position, will be punished accordingly, increase illegal marginal cost, so that each employees responsibility, power and interests are symmetrical. Secondly, to establish a violation of discipline matters reporting system, strengthen democratic supervision, strengthen the incentive mechanism, to strictly enforce the system of employees, to develop ways to praise and encouragement, restraint and incentive and do. Third, the leading cadres should set an example, take the lead in the implementation of the policy, due diligence, in-depth understanding of the implementation of the system and the adaptability of the system, analysis and researchCauses of operational risk, to develop targeted preventive measures, fundamentally solve the problem,The operational risk prevention work carried out, do not stay dead.Author: Jiang Lianyi?Unit: Shandong province Heze City Mudan District Rural Credit CooperativesTel: 13905308938E-mail: jly003x163.comZip code: 274000QQ: 909808016