Based On Employee Deviant Behavior: Commercial Banks' Internal Risk Control Study

Banking belongs to service industry mainly engaged in money and funds operation. In fact, they are enterprises running risks. Substantially, the operating mode of the banking is to identify, measure, control and prevent various internal and external risks arising during the operating course, and to match the revenue. The managing ability of a bank embodies mainly in risk management, risk management is of great significant to the operation of banking.Seen from the development of international bank: international supervision will be an apparent tendency, In order to ensure the statement of zero countries and global economies, only by improving the ability to manage risk and return , can commercial banks meet the globally unified standard for financial supervision ; rapid development of global economy becomes endless drive to financial innovation, new financial product and dealing forms emerge continually, needing commercial banks to identify , measure and manage internal and external risks accurately, and to match the risk and return; the ratio of capital adequacy becomes a key indicator effecting the business strategy of a bank.. Therefore , it is a certain choice to improve the risk management level and realize stable operation. But ,seen from the special situation of domestic commercial banks, it will never be optimistic: for one hand, high-speeded development of national economy results in great demand for financial investment, at the same time, unsound domestic financial market, limited financial instrument and dependence on indirect finance, all this result in the credit concentration of commercial banks and frangibility inevitably; for another hand , and the most important point, risk management level of domestic commercial banks is lower, this leads to high level of non-performance asset ratio and lower return ratio and leads to downwards the ratio of capital adequacy finally.Considering from the management of commercial banks, the reason for the arising of non-performance assets and weak return ratio consists of internal and external reason. The former mainly include economical environment, state policies, social culture and law environment, to which many works of economist and specialist have referred ,and draw the attention of domestic commercial banks; the latter mainly include management mode, company governing structure, team construction and employment management, etc, of which the reason of employment has been arising apparently, such as lower working efficiency, wasting source, finance fraudulent, malpractice, embezzlement, graft and bribery etc. This aspect of reason mainly belongs to internal management of commercial banks, and to the cross-sector of economics and management, the worker intends to research the issue relating to the internal risk management of commercial bank, starting from the aberration behavior of employee, and to give relevant suggestion and advice to modify the internal control system of commercial banks.The paper consists of four chapters. Chapter one is preface to the paper, introducing the significance of issue , relevant research on the subject, researching approach and view angel; chapter two focuses on the research of relativity between aberration behavior of employee and internal risk of banks. Firstly, to identify the employee aberration behavior of commercial bank, secondly , to introduce the implication of internal risk of commercial bank, and finally, to put forward the issue of aberration behavior of employee and internal risk control of commercial depending on the relativity analysis of employee behavior and internal risk of commercial bank. Chapter three is the analysis to the...