Study On The Risk Of Fraud Problems Of Kyrgyzstan XYZ Bank

The bank is one of the important strategic security of a country, but also the national life finance trading places, the stability of banks is of great significance to the national financial safety and national life. Kyrgyz Republic of China banking industry has a long history, first is in pawn industry, of the establishment of the national monetary fund, to assume the bank, along with the historical development, the Kyrgyz Republic bank development but also more rapid, has been the development of large state-owned banks and commercial banks, which XYZ bank is the most important banks. But XYZ bank bear many countries financial tasks at the same time more is financial services for the general public, there is a certain bank fraud, have been plagued by persistent ailment of the bank for many years, so the XYZ bank fraud study, is conducive to promoting the perfection of banking regulations, making up the defect of the system, to eliminate the hidden trouble of the security deposit, research on XYZ bank fraud for the Kyrgyz bank industry has important practical significance.This study confirmed that based on the above background, firstly analyzes the specific concept of bank fraud, the bank fraud types, and then put forward the related theory basis. Introduce the current situation of Kyrgyzstan XYZ bank fraud risk, including XYZ bank business, XYZ bank organizational structure. Through the analysis of Bank of two actual fraud case, 10%(34) employees of the bank, the results of a questionnaire survey, with Bayesian probability solution tree, and company’s risk management policy and business activities of XYZ bank existing fraud risk management system to study. Put forward the present problems and risk of XYZ bank fraud, corruption and fraud, financial fraud, misappropriation of assets and other issues, and the causes of the problems are analyzed. The bank is one of the main bank of the Republic of Kyrgyzstan. According to the use of information security model(Bell-Lapadula, Biba, the Clark Wilson) and the roots of XYZ bank fraud analysis and exploration for the implementation, including the recognition of internal and external fraud channels, and estimates of potential losses by each fraudulent channels caused by. The last section of the study pointed out the potential weaknesses in the system, and for the XYZ bank provides some necessary suggestions and countermeasures are put forward for XYZ bank fraud risk, including measures to establish a sound regulatory departments and perfection of financial report. Banking on a state’s financial security has important strategic significance, so, Kyrgyzstan should grasp more and better measures to maintain the healthy and stable development of the banking industry, reduce fraud in the banking industry, establish a good financial environment. Therefore, this paper research on XYZ bank fraud for the establishment of a harmonious and stable financial order has important significance.