1. Bank risk prevention and control measures and plans?
1. Improve the awareness of risk prevention and control and optimize the management mechanism
If commercial banks want to continuously enhance the management efficiency of their operating risks, they must first enhance the awareness of risk prevention and control. Set out to continuously optimize its management mechanism.
Relevant commercial banks should improve their awareness of risk prevention from the perspective of management, and the management should strengthen the improvement of internal systems and regulations, refine the operating procedures of relevant businesses, and continuously improve their operation and management capabilities.
Employees must conscientiously implement the relevant scale of commercial banks, continuously improve their business capabilities, improve their ideological awareness, and increase their awareness of risk management and prevention.
Ultimately, through the joint efforts of management and bank employees, the bank's management and prevention measures for operating risks will be effectively improved.
2. Improve the overall quality of commercial bank staff
As actual business operators, commercial banks must provide relevant education on risk prevention to employees.
Let employees improve their awareness of business risk prevention and enhance their sense of corporate responsibility and mission.
Regularly conduct training and assessment of employees' relevant risk capabilities, and reward employees with outstanding performance to a certain extent. Based on employees' sensitivity to business risk prevention, we can effectively improve the entire business starting from grassroots employees. Bank’s operational risk prevention awareness.
3. In terms of policies and systems, do a good job in risk prevention and control
Since the relevant policies and systems are formulated uniformly by the state, commercial banks have no way to make adjustments and changes, so commercial banks must start from their own We will proceed to strengthen the control and prevention of bank operating risks.
Therefore, if banks want to effectively prevent risks, they must start from establishing a scientific fund use system.
Commercial banks predict their future development by analyzing the development of relevant enterprises and future policy trends, and then provide related lending services based on the analysis results to effectively prevent and control risks.
2. What are the preventive measures for bank loan risks?
In short, the preventive measures for bank loan risks are to do a good job in three aspects, namely pre-loan review and loan approval. And post-loan management:
1. Pre-loan review, specifically to do a good job in customer credit rating and credit limit;
2. Loan approval, based on the customer’s loan application, form Credit funds can be approved and released only when the necessary and substantive requirements are complete;
3. Post-loan management, supervise whether the customer's use of funds meets the bank's credit requirements, and require customers to implement rectifications in a timely manner for illegal use .
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The preventive measures for bank loan risks mainly include the following aspects: First, strengthen access management and forcefully collect suspicious loans decisively and in accordance with the law. Then strengthen early warning and monitoring to achieve the effects of early detection, early warning, and early treatment. Only by accelerating credit adjustment and proactively increasing credit withdrawal can we effectively prevent the deterioration of credit asset quality. Finally, we strengthen post-loan management, formulate a complete risk monitoring plan, and resolve potential risks in a timely manner. Hope my answer is useful to you.
3. Briefly describe the definition of risks in banking cases and their prevention and control measures.
Definition and prevention and control measures (Bank case risk belongs to the category of operational risk, which is the risk of loss of funds, property and reputation of the bank due to violations of laws and regulations by bank staff, internal and external collusion, and external infringement cases. Bank case risk The prevention and control measures include:
1. Improve the company's corporate governance mechanism
2. Establish and improve cases
3. Strengthen the construction of the internal control system
4. Set up a new system
5. Enhance the effectiveness of audits and business inspections
6. Establish a case accountability system
8. Establish a scientific Incentive and restraint mechanism
9. Cultivate good corporate culture, risk culture, and compliance culture
10. Strengthen supervision of case prevention work
IV. How to prevent risks in bank corporate business
Banks divide the risks in bank accounts into the following six major risks: corporate business risk, country risk, interbank risk, retail business risk, project financing risk and equity risk. Business Department and Credit Department: The traditional business of commercial banks is mainly lending. In the process of lending, how to evaluate the credit risk of customers is the key to making money or losing money.
Notice of the China Banking Regulatory Commission on Issuing the "Guiding Opinions on Establishing a Rolling Inspection System for Deposit Risks by Banking Financial Institutions" (Yinjianfa [2009] No. 85)