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essay代写-Financial risk prevention

2018-04-17 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写- Financial risk prevention讨论了金融风险的防范。金融风险可以说是金融危机的主要根源之一,也是构成危机的表现之一。那么,我们应该如何防范金融风险呢?防止银行经营不善的第一道防线是有效的管理。为保证制定的政策和程序得到落实,防止特殊的利益集体对决策的影响,有效的内部控制极其重要。内控机制是针对风险提出的,风险意识的不足是商业银行内部控制出现问题的根本原因。因此,商业银行全员要增强风险意识,树立自控观念。本篇essay代写51due代写平台整理,供大家从参考阅读。

Financial risk,金融风险,essay代写,代写,paper代写

Bank supervisors have the responsibility to ensure the integrity of the banking system by holding bank risk management, financial information and compliance with prudent rules. In order for regulation to be effective, the authorities must have sufficient independence, authority and capacity. Of course, the independence of regulation needs to be combined with legal responsibility, without political influence, and with sufficient financial resources to achieve its regulatory objectives. The issue of independence is usually related to the department that performs the regulatory functions. In many countries, regulatory functions are performed by the central bank, sometimes by a separate committee of the central bank. There is an argument over whether the central bank should perform its supervisory duties. In many emerging market countries, by the central bank to perform the regulatory functions is the most appropriate, because it can make the regulatory functions associated with other functions, such as lender of last resort function, the function of payment system monitors and the function of macro financial data collector. Moreover, regulators can gain authority, financial independence and experience. The different parts of the financial system tend to interact with the banking system in some ways, and the turmoil in one sector can easily affect Banks. In many countries, Banks and other parts of the financial system are usually regulated by different agencies, which requires the regulatory measures to coordinate with each other, try to reduce the offset of the occurrence of arbitrage procedures and rules. The need for joint regulation of financial department stores has led some countries to designate certain regulators as the main body to coordinate the work of all regulators. Regulatory rules and regulations should also be connected with international coordination, not only convenient for joint regulation and information sharing between regulators, and improve the regulation efficiency, and could give the domestic regulatory rules and regulatory measures to bring the pressure of the continuous improvement, in today's increasing internationalization of banking, this international easily undermine the effectiveness of the prudential supervision, in many ways including the use of complex corporate structure and offshore derivatives to escape the domestic financial restrictions, which makes the international coordination of financial regulation is becoming more and more important.

Improve the internal management of Banks. The first line of defence against bad bank management is effective management. Effective internal control is essential to ensure that policies and procedures are implemented to prevent the impact of special interests on decision-making. The board of directors needs internal and external audit procedures to effectively control management to ensure its efficient performance.

Strengthen the internal control awareness of the bank. The internal control mechanism is proposed for risk, and the lack of risk awareness is the root cause of problems in the internal control of commercial Banks. Therefore, the whole staff of commercial Banks should enhance their sense of risk and set up the concept of self-control. At the same time, in the actual work, resolutely carry out and implement, change the heavy system construction light work implementation phenomenon. In the daily work, every employee should strengthen the concept of rules and regulations, no longer work by experience, so that the internal control mechanism can effectively prevent financial risks.

Establish an effective organizational structure to provide organizational support for internal control. According to the requirements of business processes, internal control system, the design of commercial bank organization system, establish a decision-making, management, management, supervision, ensuring the layer of the organizational structure of organizations at all levels should be within the scope of their respective responsibility and authority to handle business, exercise their functions and powers. The board of directors should carefully supervise the effectiveness of internal control, discuss internal control issues with management regularly, review reports provided by all parties in a timely manner, and urge management behavior. Management should formulate comprehensive and systematic business rules and regulations, as well as uniform business standards and operating procedures, and take measures to correct problems existing in internal control. Strengthen the special status and role of the audit department in the organization system, internal audit department to fully implement comprehensive management function, internal control timely found the problem timely treatment, and ensure that the board of directors and management of information flow, to understand the status of the bank risk. As a grass-roots unit, the business unit should adhere to the standards in the work and report and correct the problems in time.

Financial institutions should strictly follow the laws and policies to review loan programs, supervise the use of loans and reduce the risk of loans. To strengthen the risk awareness of staff education, insist on credit investigation, loan examination and post-loan review system, further standardize the loan contract, guarantee, mortgage contract text, especially pay attention to improve the system of loan guarantees. Perfect the loan approval process, the credit management and credit management phase separation, separating the investigation and review, review and approval phase separation, the change of credit personnel lack of effective supervision and the loan risk of power restriction mechanism. To curb the phenomenon of irregular operations, establishing and perfecting the bank financial supervision responsibility system and work procedures, clear financial regulatory processes, responsibility and collaboration requirements, to ensure that the financial regulation in accordance with the law, reasonable, moderate and efficient operation.

Strengthen the internal control quantitative analysis and process control, improve the internal control technology level. With the rapid pace of innovation of commercial Banks, new varieties of business are emerging. Technology and technology, especially the level of computer technology, has increased the content and breadth of commercial banking business, requiring the use of updated methods and internal control methods. In order to achieve this goal, commercial Banks should develop and use of the mathematical model of quantitative risk assessment, the credit risk, market risk, liquidity risk and so on all kinds of risks for continuous real-time monitoring, link to intensify auditing on important business.

Establish a strict accounting system. Commercial Banks should establish a strict accounting control system according to the principle of standardization, authorization, supervision and restriction, accounting verification and safety and prudence. The accounting department only accepts its supervisor, and the accounting supervisor does not participate in the specific business operation, ensuring the integrity, accuracy, objectivity and effectiveness of the financial and accounting information.

Establish and improve the authorization approval system. Commercial Banks should establish the internal authorization and credit management system which is the main feature of corporate management and legal person authorization according to the nature and function of various business operation activities. All kinds of authorization shall be confirmed in writing and give step by step, the various business shall, in accordance with the business license approval, special licensing business should pass special approval must be put under the effective control of the headquarters of its business. To reasonably determine the loan and credit line, approval authority of the branch, and strictly follow the authorization and credit management. We will establish a vertical leadership and a relatively independent internal audit and supervision system, conduct regular audits and inspection and supervision of branches, and focus on the prevention of violations in the future.

Strict and strict investigation of irregularities and individuals. We will crack down on financial crimes and crack down on illegal and illegal business activities. The healthy development of the financial industry is inseparable from the escort of the judiciary. Judicial organs, especially the people's court must set up the global idea, give full play to the functions of the judicial, work closely with relevant departments, jointly shoulder to maintain financial order and prevent and defuse financial risks. Strict inspection and strict disposal of all kinds of people and things that go against the requirements of internal control become indispensable and important safeguard measures.

Deposit insurance is used to compensate certain types of depositors when individual Banks fail. Most effective insurance are limited to protect small depositors, without large deposits and other creditors, including other Banks offer insurance, so that market discipline to pressure on the bank, insurance coverage depends on each country's specific conditions, but must want to reduce risk. Deposit insurance system should have sufficient funds, so as to timely to compensation of depositors, and can cause the loss of solvency of Banks shut down rapidly, although the possibility of risk to determine the premium in accordance with the insurance fund is the ideal way, but actually because of the difficulty to objective measure risks, therefore, often have to charge a unified insurance premiums.

First priority is to accelerate the financial government by law, strengthening the financial legislation, and perfect the comprehensive legal system, therefore, should first stepped up efforts to formulate financial laws and regulations such as the commercial banking law, the people's bank, the detailed rules for the implementation of trust law, securities law, financial leasing law to review as soon as possible, the futures exchange act, and aiming at new problems in the financial system reform, to establish and perfect a series of important financial regulatory rules, tend to make financial activities. Secondly, in the process of perfecting legislation, we should pay attention to the consistency and coordination of administrative regulations, local regulations and financial laws and regulations, and give full attention to the operability of laws and regulations. Again, the supreme people's court on the financial disputes in the case of new situations and new problems, to make judicial interpretation, in a timely manner to guide and standardize the financial trial activities, make up for a lack of financial legislation lags behind.

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