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1、1About the rural credit cooperatives in compliance risk management problems and countermeasuresAbstract: This paper analyzes the current rural credit cooperatives compliance risk management of the main problems, suggestions and countermeasures. Keywords: rural credit cooperatives compliance risk man
2、agement. In recent years, rural credit cooperatives compliance risk management has made some achievements, but with the state-owned or joint-stock commercial banks, there are still a large gap compared, there is a gap to illustrate the problem, there are problems to find solutions to this paper, the
3、 current the existence of some rural credit cooperatives compliance risk management issues, and how to solve these problems put forward their own views. A current rural credit cooperatives compliance risk management of the main problems. In recent years, the CBRC actively advocated and promotion, in
4、cluding rural credit cooperatives, including 2the majority of banking institutions initiated compliance construction, pay attention and strengthened the management of compliance risk, but can not be ignored, rural credit cooperatives together compliance risk management work has only just started, th
5、ere is a compliance risk consciousness, limited resources, lack of personnel management, the independence of the compliance department is not strong, and the effectiveness of the compliance problem of poor risk management, compliance, risk management and regulatory requirements, and business develop
6、ment needs, and the need for risk management and control than there is a big gap. 1.1 Compliance Risk Management consciousness, lack of compliance culture because of the management system, operation mechanism and the quality of personnel and other reasons, the rural credit cooperatives is still in t
7、he past, the traditional mode of operation and management, from the senior management executives to the branch institutions general operating teller, on the understanding of compliance risks still exist vague sense of some of the 3advanced concept of compliance has not been thoroughly without even c
8、onsciously compliance risk as an important source of risk to control and actively participate in compliance risk management initiative is not high. 1.2 Compliance Risk Management effectiveness is poor. First, the current rural credit cooperatives substantive compliance management function is not yet
9、 available, independent of other risk checking compliance checking mechanism has not been established yet to carry out an independent inspection, compliance risk management sector organizations to carry out compliance checks less special for some illegal violations investigation by the department or
10、 agency responsible for a business of human interference or influence, reach compliance risk management responsibilities required two RCCs involution compliance risk management techniques and application of knowledge is still in its infancy, compliance risk management methods and tools behind, on th
11、e identification of compliance risk management, monitoring, measurement and control technology seriously lacking, fall far short of regulatory 4requirements, three are Compliance Risk Management department and the business, auditing audit, risk management and supervision departments have not yet for
12、med resource information sharing, communication and cooperation, coordination mechanisms. 1.3 management mechanism is imperfect, implementation of the system is not in place. First, although gradually improve the “three will be” system, but did not have a “three powers” the practical effect of check
13、s and balances, the right to speak basic grasp of the hands of the Council and management team, often loss of effective business decisions on supervision, and lose power constraints inevitably produce adverse selection and a variety of risks between the two is the job responsibilities are not clear,
14、 can not be effectively implemented internal control systems, internal control and supervision functions, supervision and control system useless . 1.4 management methods are not standardized, evaluations are not in place. First, standardize risk management for qualitative analysis, quantitative anal
15、ysis work is not in place, the risk identification, measurement, 5monitoring, etc. is not enough scientific and reasonable management methods obsolete, keep up the situation development. Second is the ordinary course of business problems, good ideology seriously, not according to rules and regulatio
16、ns serious accountability. 1.5 Operating Procedures and more unclear division of responsibilities With the escalating business systems and compliance controls rely more on the business handled things in control, resulting in counter processes, links and more, procedures and more authority for review and more phenomenon at the same time, a business often involve multiple parties, such as: for a loan operations will involve investigator, judge, approvers, and other persons res
