Study On Risk Prevention Of Financial Fraud

With financial globalization has become a reality, financial markets in today’s economic society has played an increasingly important role in financial penetrate into everyone’s daily life, in this social context, the frequent cases of financial fraud and crime pattern changeable. The past two years have taken place in the country more than "bank evaporation" case, involving a huge amount of cases, means cunning, losses, bad nature, triggered a sustained attention. Most of these cases and high interest Lanchu, illegal fund-raising, financial management "fly alone" and so on, whereas these risk events associated with the bank, often by the media hype, internal security is directed at the bank, to bank a great deal reputational risk, to prevent and control the bank’s internal operational risk sounded the alarm. By selecting a few representative of the real case analysis, we investigate the social background of such financial fraud cases occurred due to macroeconomic downward pressure, the industry has some enterprises are facing difficulties, all banks together this big divide society deposits cakes, among each other fiercely competitive, multi-chasing community for funds to finance criminal acts to create a favorable environment. Crime means more than financial fraud cases occurred with many loopholes in the bank’s internal systems, management, operation, etc. can not avoid, which leads to the back of the case study of the problem of bank internal risk control. Currently commercial banks in a fragmented internal risk control, the lack of a unified standard in the industry, most commercial banks have not established a complete internal control system, in terms of internal control is still in piecemeal, superficial level hurts foot rule; the Bank internal re-run light management, light weight performance risk, banks line-level leaders paid more attention to business objectives far outweigh the risk of attention control, internal risk control bank does not form the core of culture, style of control is not perfect, wind control Consciousness is not in place, and bankers generally inadequate understanding of legal risk, banks do not have the ability to fall into a legal dispute prevention. Analyzed and summarized by the commercial banks in risk control, prevention of cases of these status quo, to improve public confidence and eliminate financial fraud cases put forward several recommendations, including the introduction of strict customs personnel, construction of high-quality internal staff, in the risk prevention and control the strengthening of civil defense, reducing operational risk and compliance risks; building a mature risk early warning system from the technical aspects, increase technical protection means; establish and improve rules and regulations from the regulatory framework, so that the business process rules to follow, according to the law, in particular To make the system is able to follow the business development and updating; to build both inside and outside the culture, the vertical integration of risk prevention and control system, the establishment of "advance prevention, actively manage" the whole process of risk management mechanisms.