The Study On The Human Resource And Position Risk Of Commercial Bank And Its Prevention Measure

Commercial bank is special enterprise and an important part of the modern enterprise. Commercial bank not only have general business management features, but also creative credit, so it is a barometer of the national economy, and play an inestimable role in social stability. Commercial banks play an important and special role in the socio-economic activities, Commercial bank not only the main of financial system and the core of modern economy, but also is the lever of regulating economic development, the lifeblood of the national economy. Commercial bank is a high-risk profession from both internal and external. External risks are greater from national economic policy and difficult to control, internal risk mainly come from the positions risk belong to human resources risk, we must control the position risk in commercial bank development. In recent years, the major cases of domestic and foreign commercial banks evoked from position risk. Therefore, prevention the risk of commercial bank human resources position risk is great significance to commercial bank stable and healthy development and community and the whole country.Human resources positions of commercial banks is the risk that the staff of commercial bank in the banking business and operating process, due to the negligence of job responsibilities, and do not have basic skills and qualities, or in order to maximize effectiveness and to enhance their own people and not conducive to banks and others. The conduct and other factors which led to the posts and even the entire bank's assets and possibility of property loss.Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China is China's four major commercial banks. The four commercial banks, business scope, the meticulous division of the different, so the positions of commercial banks are also differences. This paper combine together the current status of state-owned commercial banks set the actual situation, Composition posts specific functions, based on human resources management positions in the classification method, in accordance with the nature of jobs, commercial banks will be divided into seven categories of posts (like the decision-making, management services, professional Category, type of risk management, marketing category, class support, counter services) and explanation of the corresponding job responsibilities.Commercial Bank position risk is that commercial banks in a position to carry on banking business and operating process, the job responsibilities due to the negligence or the employees do not have basic job skills and quality and other factors which led to the posts and even the loss of assets or bank The possibility features of loss of income, with objectivity, uncertainty, relevance, controllability, and proliferation . Based on the commercial banks of the seven categories of posts for systematic analysis of job responsibilities, with the actual situation, sum up six positions to risk factors: awareness of law and order and coordinating communication skills, professional ethics, decision-making power, expertise, operational skills. Evaluation by experts, for each category of posts and the level of risk each type of job risk factors were assessed. Expert evaluation method is a qualitative assessment method, has adopted a solid risk management and related fields of expertise theoretical knowledge, and through long-term risk management practice has accumulated rich experience and wisdom of the staff on the content of the assessment points, finishing summary, that professional posts the highest level of risk, the risk factors on the professional ethics of the most influential posts, the most prone to risk, causing losses for the banks.Human resources are the core of the commercial banks rational allocation of resources elements. Commercial Bank positions risk major come from the human resources risk, because commercial banks are special enterprises, human resources also has its particularity. Fully understand the characteristics of human resources of commercial banks, and identification of commercial banks human resources is very necessary. The commercial banks is a system, then the human resources of the entire process including the use of human resources into the system, and the use of training and human resources outflow in the system, which can be commercial banks risk of human resources for recruitment risk, the use of risk, performance Risk assessment, risk of loss. Human resources recruitment, use and loss is also a strong correlation between the risks. The high risk of hiring will lead to the high use risk and it often accompanied by high loss risk. These risks have the characteristics of objectivity, accumulation of mutations, dynamic, predictability, destructive. In the commercial banks to fully understand the risk of human resources and analysis on the basis of expert evaluation of the assessment, finishing summed up four types of human resources risk of seven categories of posts and positions of influence of the level of risk, decision-making positions like the highest level of risk, the use of risk of the most influential posts in the normal business activities of commercial banks in the most easily lead to the occurrence of risk positions, the banks caused the loss of property and assets.The status of commercial banks from the risk of staff positions because of a number of reasons in the work, therefore, in human resources management process to avoid the risk of human resources, we can greatly reduce the positions risk of commercial banks. Based on this ideology and various types of positions affected by the risk analysis, from a commercial bank human resources management in all aspects of start, targeted combination of human resources and status risk, the system of commercial banks raised the human resources positions risk to prevention. Further measures reduce the commercial banks of the risk of human resources positions to reduce the commercial banks because of losses caused by the internal environment. Commercial Bank of human resources positions specific risk prevention measures include: First, strictly guard the employees into the system, reducing the risk of recruitment of the posts; Second, regular training, reducing the use of risk positions on the impact of three is to improve the performance appraisal system, to reward and punishment Clear; Fourth, establish a sound scientific and effective internal supervision mechanism; fifthly positions rotation system; six are held accountable, strengthen the sense of responsibility; finally, use legal means and strengthen the system of confidentiality.As this position of commercial banks risk factors and human resources are risk assessment of expert evaluation. So evaluation results have some certain extent subjectivity, not objectivity and universality. Limited to the expert evaluation of the uncertainty, experts from different fields in the process of evaluation of each of the points situation is different, so evaluation of the results of the relatively large differences, mainly the highest degree of risk and risk status of the person and also different. This article is only developing human resources positions of commercial banks risk prevention measures ideas, all commercial banks should be based on their specific circumstances, to employ the appropriate experts conducted a number of assessment, the ultimate combination of several evaluation results, formulate corresponding preventive measures to guard against the real risk the purpose.