Bank risk control management: emphasize development and don't underestimate internal control.

In the past two or three years, the internal control of banks has frequently fallen. Among them, there are cases in which bank employees privately carve official seals to lend money, forge running accounts, misappropriate public funds or collude with outsiders to defraud loans.

Why does seemingly strict bank risk control make bank staff have loopholes to drill? This is mainly because the overall business philosophy of the banking industry focuses on development and ignores the control of quality. In particular, the internal risk control system of grassroots frontline employees or branches is relatively loose. Coupled with some businesses, its chain is already more complicated, the process is also more cumbersome, it is difficult to supervise, and it is easy to have this risk caused by the problems of grassroots employees.

For commercial banks, risks are everywhere, especially seal management. If we don't strengthen the risk management and risk prevention of seals, it will easily lead to problems such as employees stealing, misprinting and privately printing, which will cause commercial banks to suffer losses.

By using the Internet of Things technology, seal approval is directly initiated online, and intelligent seal solutions are provided, such as pre-use approval, in-use monitoring and traceability after use, to meet the seal management needs such as centralized management, authority distribution, online approval and filing access, and to approve documents online anytime and anywhere, so as to avoid the risks brought by employees' misuse, private use and misappropriation of seals.

Effective internal control and compliance management can effectively avoid risks and related losses, thus creating more value for banks.