Recently, 修车品茶the China Banking and Insurance Regulatory Commission issued the notice on continuing to do a good job in the work related to the "construction year of internal control and compliance management" of banking institutions (hereinafter referred to as the notice). The notice made it clear that we should rectify the stubborn diseases such as fictitious trade background and lax credit review from the root, effectively improve the level of risk control and highlight the effectiveness of the construction of internal control and compliance management.
The circular pointed out that since this year, the banking industry has made phased achievements in focusing on key areas, targeting weak links, strengthening rectification and making up for weaknesses. However, the current economic and financial environment facing the banking industry is complex and severe, and some long-term accumulated contradictions and problems are also exposed.
From the perspective of institutional self-examination and regulatory inspection, problems such as failure in "three inspections" of loans, inadequate unified credit management and ineffective implementation of sales appropriateness requirements are still prominent. The notice emphasizes that from the perspective of institutional self inspection and regulatory inspection, the "three inspections" of loans are not due. All banking institutions should combine normalized strong internal control and promoting compliance with periodic weaknesses and eliminate persistent diseases, focus on problem prone links and areas strongly reflected by the people, clarify the risk control points and control measures of important businesses, and enhance the rigid control of key nodes of the system, Strengthen system implementation, supervision and evaluation, and strengthen reputation risk management. Focusing on recent risk events, we should deeply investigate internal control defects, strengthen daily inspection and patrol, strengthen management constraints on branches and business units, supervise and deal with those who have repeatedly been investigated and committed crimes and slow rectification progress, rectify the root causes of persistent diseases such as fictitious trade background and lax credit review, and effectively improve the level of risk control, Highlight the effectiveness of internal control and compliance management.
The notice clearly stipulates that internal accountability should be strictly enforced and the effect of punishment and deterrence should be effectively enhanced. All banking institutions should effectively reverse the current situation of "loose and soft" internal accountability, establish and improve the responsibility identification and investigation mechanism from the head office to branches, do not replace disciplinary sanctions with admonitory conversation, deduction of points, economic treatment, etc., and make great efforts to solve the problems of "asking the next but not asking the top", "asking the front but not the back".品茶 We should adhere to stricter standards and higher requirements for the rectification and accountability of repeated investigations and repeated offenders. If the regulatory authorities order internal accountability, the directors, senior managers and other persons directly responsible shall be given disciplinary sanctions within the specified time. For major credit risk events, major violations of laws and regulations or dereliction of duty in major cases, the leadership and management responsibilities of relevant personnel of the head office shall be seriously investigated.