How to improve the ability of risk management and control

Lead: Carry out various professional training and education to help professional and technical personnel to constantly supplement, broaden, deepen and update their knowledge. At the same time, it is necessary to establish a good incentive and restraint mechanism for talents, and combine effective constraints such as occupation, treatment and emotional retention.

How to improve the risk management and control ability (1) and increase the frequency of inspection and monitoring.

Under the new normal, the account manager should appropriately increase the number of post-loan inspections, which can be increased by 1-2 times compared with the frequency stipulated in the Loan Management Measures. The management bank should strengthen the inspection of the post-loan management of the operating bank, and make it clear that a special person will use online monitoring to check whether the hierarchical management of the operating bank is in place and whether the frequency is implemented on time. Inform the problems found in time and make rectification within a time limit.

(2) Implement post-loan management? Three people? .

The manager of the management bank and the bank in charge of the front and back office of credit should take the lead in managing households and personally go to the enterprise for post-loan inspection at least once every quarter; The person in charge of the customer department of the management bank shall personally go to the enterprise to carry out post-loan inspection at least once a month in accordance with the requirements of customer classification management; The leaders of the operating banks shall manage at least 1-3 households, and personally conduct post-lending inspection at least once every quarter to improve the post-lending management inspection level.

(3) Strengthen post-loan management? Four realization? .

First, implement the post-loan management team by household, and insist on? One household and one team? ,? One household, one plan? , clear the management bank and management personnel of credit customers.

The second is to implement the frequency of post-loan management inspection, and personnel at all levels should conduct post-loan management according to the prescribed frequency.

Third, the implementation of post-loan management quality inspection, mainly through? Eight views and one picture? To achieve it. Take a look at whether the problems existing in the loan investigation and review have been solved; Second, look at the monitoring of capital accounts; Third, look at whether the industrial policy and credit policy of the industry where the enterprise is located have undergone major changes, and whether various production licenses are valid; Fourth, look at the market changes of raw materials and products; Fifth, look at the production, operation and financial changes of enterprises; Sixth, look at the changes in investment and financing guarantees of enterprises to see if there is over-financing or over-guarantee; Seventh, look at the collateral; Eight look at the enterprise? Triple product? 、? Three watches? 、? Third-rate? . Scheme 1 refers to making detailed household inspection scheme every quarter, making off-site analysis on the enterprise's industry policy, credit policy, financing guarantee and cash flow in advance, and conducting on-site post-loan management inspection on the existing problems.

The fourth is to implement the regular meeting system of post-loan management. Hold regular post-loan management meetings as required to carefully consider the risks of industries, customers and products within the jurisdiction. The operating bank shall report the time and topics of the regular post-loan management meeting to the credit management department of the management bank. The leaders of the management bank in charge of the credit bank and the person in charge of the risk management department should attend the regular post-lending management meeting of the operating bank, prompt and supervise the post-lending management of the operating bank, and ensure that the regular post-lending management meeting is implemented in the operating bank.

(4) Strengthen post-loan management assessment.

It is necessary to assess the post-lending management of operating banks on a quarterly basis, link the post-lending management with the comprehensive performance appraisal of operating banks, increase the proportion of post-lending management in the comprehensive performance appraisal of operating banks, and guide operating banks to attach importance to and do a good job in post-lending management through comprehensive performance appraisal.

How to improve risk management and control ability, adhere to scientific development and improve organizational structure

Idea is the forerunner of action, and the relationship between steady growth and risk control is dialectical unity. ? Is it steady? It is the foundation to promote business transformation, the key to improve management level and the guarantee to realize scientific development. ? Become? what's up Is it steady? Ultimate goal and basic guarantee. Therefore, we must adhere to a comprehensive, balanced and effective risk management strategy, and implement a sound and innovative risk appetite at all business levels.

Adjust business structure and promote business transformation

Development should be based on capital, and adjusting the structure to promote transformation is the fundamental policy to deal with the rigid constraint of capital. Hold on tight, okay Steady growth, excellent structure, keeping the bottom line and adding value? The basic orientation of credit policy is to emphasize structural adjustment, deepen basic management, and fully enhance the sustainable development ability of credit business.

Strictly observe the risk bottom line and improve the management and control ability.

Under the background of increasingly severe risk situation, banks at all levels should always take basic management and risk management and control as the first responsibility, always adhere to a sound risk management strategy and strictly adhere to the risk bottom line:

First, continue to advocate? Steady operation, internal control priority, full participation, process management? Comprehensive risk management culture, build a comprehensive risk management system, strengthen the construction of internal control mechanism, improve the level of risk management, cultivate a compliance risk culture, and build? System implementation, inspection and supervision? Three lines of defense for risk management, laying a solid foundation for steady development.

The second is for what? Accurate management? Focus on laying a solid foundation for risk management. Actively carry out a number of refined management activities such as risk, credit, disposal and law, and carry out? Three transformations and three noes? Establish branches, implement quota management of key industries and customer list management, and establish and improve the accountability system for overdue loans, credit suspension system and new non-performing loans. Strengthen management responsibility, fully implement post-lending management, strictly implement post-lending management system, strengthen credit risk early warning, improve corresponding early warning mechanism, strictly supervise entrusted payment, fund supervision and credit review, and effectively prevent credit risk. Improve the system, methods and operating procedures such as risk rating assessment, loan classification, suspension and resumption of work management, and post-loan management, and enhance the standardization, unity and enforceability of the system.

The third is to innovate the risk management mechanism. Set risk control targets according to the main credit business types, and cancel the sub-authorization for grass-roots banks whose non-performing rate, maturity recovery rate, structural optimization rate, value creation rate and operational compliance rate exceed the set targets or major cases occur; For credit products with deteriorating risk conditions, suspension management shall be implemented according to the severity and duration of the problem. Improve the credit accountability mechanism. Insist? Who's in charge? Who's in charge? Principle, do ask questions when there are mistakes, do nothing, and strengthen the implementation of policies and systems. Innovate the management mechanism of non-performing assets. Implement self-operated non-performing loans? Territorial management, hierarchical disposal? , clear management responsibility, really? Small defects are managed, and big defects are well managed? . Establish an early warning mechanism for legal risk events. Pay close attention to regulatory policies and new laws in real time, strengthen the combing, analysis and research of various legal risk signals, dredge the conduction path of legal risk early warning, and actively reveal hidden legal risks in time.

The fourth is to strengthen internal control and compliance management. Solidly carry out the construction of compliance culture, and establish internal control and compliance departments, audit departments, business lines and branches? Four in one? Internal control defense. Improve the case prevention management system, improve the long-term mechanism of case prevention and control, and strengthen business continuity and emergency management.