商业银行行政管理与风险管理培训课件PPT推荐.ppt
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RelationshipbetweenInsuranceandRiskManagement保险与风险管理的关系保险与风险管理的关系MinimumCodeofEthics基本道德规范基本道德规范lFormallywrittenandacknowledged正式书面文件并得到公认正式书面文件并得到公认lEmployeecanunderstandtheexpectationsofthebank员工了解银行的期望员工了解银行的期望Safeguardingconfidentialinformation保护机密信息保护机密信息Restrictionsonoutsideactivities外部活动限制外部活动限制Financialresponsibility支付能力支付能力Promptpaymentofobligations债务的立即付款债务的立即付款Levelofdebttoproposedsalary债务与工资水平比债务与工资水平比lAcceptanceofGifts接受礼品接受礼品lConflictsofInterest利益冲突利益冲突Financial财务方面财务方面Dealingwithcustomersorvendors,etc.处理与客户、卖者等的关系处理与客户、卖者等的关系lDrugPolicylPenaltiesforNon-compliance违规处罚违规处罚MinimumCodeofEthics基本道德规范基本道德规范HumanResources-InternalControlIssues人力资源:
内部控制问题人力资源:
内部控制问题lHiringandPre-employmentScreening招聘与录用前审查lTraining培训lDetailedJobDescriptions详细的岗位说明lEmployeePerformanceandEvaluation员工绩效考核与测评Pre-EmploymentScreening录用前审查录用前审查lEvaluatetheriskinherentinthepositionandcheckaccordingly评估岗位的内在风险,并进行相应审查lVerifyreferences&
prioremployers向推荐人和前用人单位进行核实lFingerprintChecks指纹检查lVerifycredithistory调查信用记录lVerifyexpatriatevisasonmanagement调查以前是否曾被开除Training培训培训lAreemployeesadequatelytrainedandcross-trained?
员工是否受到充分培训和并进行交叉培训?
lDotheyunderstandtheirjobfunction?
Andbackupfunction?
员工是否了解其工作职能?
以及辅助职能?
lIstrainingprovidedtoenhanceknowledge?
培训是否提高了员工的知识水平?
PersonnelRecords人事记录人事记录lDetailedJobDescription详细的职位描述lPerformanceReports业绩报告lStatedVacationPolicy明确的休假政策lWrittenPersonnelPolicies书面的人事政策lCodeofEthicsReceivedandSignedbyallEmployees所有员工认可并签名的道德规范Risk&
InsuranceManagement风险与保险管理风险与保险管理lDefensesagainstloss预防损失InternalControls内部控制Policies&
Procedures方针与程序EmergencyPreparedness应急准备ContingencyPlanning应急规划RecordsManagement记录管理RiskIdentification&
Analysis风险识别与分析lPurposeofRiskManagement风险管理的目的PurposeofRiskManagement风险管理的目的风险管理的目的lMinimizeCostofPureRisk将纯粹风险成本降至最低lCostisdefinedas成本定义为Costoflosspreventionmeasures,plus预防损失采取的措施的成本,加Insurancepremiums,plus保费,加Lossesandexpensessustained,plus持续损失与支出,加Administrativeexpenses,minus行政支出,减Recoveriesfrom3rdparties第三方补偿OptionsforTreatingRisk应对风险的措施应对风险的措施lImplementadditionalcontrols实施额外控制lTransfertherisktoanotherparty把风险转移给他人lSelf-Insure自保lDiscontinuetheactivity中止经营活动lCombinationoftheabove综合采取上述措施lInsurancewithamajorinsurer向大保险公司购买保险BasicTenetofRiskManagement风险管理的基本原则风险管理的基本原则lPotentialforsignificantorcatastrophiclossshouldnotberetainedifavoidable对对于于可可能能造造成成重重大大或或灾灾难难性性损损失失的的风风险险诱诱因因,如如可可规避,就不要让其继续存在规避,就不要让其继续存在Conversely从反面说从反面说lItsnotcostjustifiedtoinsurelosseswhicharenotsevereorpredictable-improvecontrols不严重的、可预计的损失的发生不是合理成本加强控制BoardofDirectorsDetermines董事会决定董事会决定lThemaximumlossthebankisableorwillingtoassume银行能够或者愿意承担的最大损失lTheinsurancedeductible扣除保费TypesofInsuranceCoverage保险类型保险类型lFidelityBond忠实保险契约lCombinationSafeDepository综合保险箱lDirectors&
OfficersLiability董事与负责人的责任lFiduciaryInsuranceCoverage信托险lMortgageErrors&
Omissions抵押错误lCashLetterInsurance现金运送险lGeneralLiability一般责任险lFireInsurance火险ExaminationObjectives检查目的检查目的lDoriskmanagementpoliciesidentify,controlandmitigaterisks?
风险管理方针是否能识别、控制并化解风险lAreBoardsguidelinesforretentionofriskreasonable?
董事会关于保留风险的指引是否合理lIssignificantorcatastrophiclosscovered?
重大的或灾难性损失是否得到补偿lArerecord-keepingpracticesadequate?
记录是否充分lIstherecorrectiveactionwhencontrolsaredeficient?
控制不完善时是否有整改措施Whattolookfor?
应该关注的问题应该关注的问题lIsthereariskmanagerforriskcontrol?
是否有专职风险管理官lDoesinsurancecoverageconformtoBoardsguidelines?
保险范围与董事会指引是否一致lIsinsurancescheduleandcoveragesufficient?
保险安排与保险范围是否足够lHavepolicieslapsed?
Deductibles?
保单是否作废,是否可扣除lArethereprocedurestoensure是否有程序确保premiumsarepaidontime保费得到及时支付reportsoflossesareproperlyfiled损失报告合理归档