To Change Or To Die Out?

In recent years,state-owned commercial banks,ZH Bank,have suffered three external effects(the economic growth rate shift period,the structural adjustment pain period,the pre-stimulus policy digestion)and other external effects,meanwhile the market risk,credit risk,operational risk and other internal challenges,resulting in the banking institutions frequent financial cases,bad asset rate became much higher,profit growth declined,post staff turnover rate increased year by year.In addition to the objective factors,the internal staff to seek personal interests,who were using their duty facilities,participated in fund-raising fraud customer funds,the branch "head officer" was lack of management of dereliction,which lead to the main cause of frequent cases.Since the year of 2013,the bank investigated and dealt with 22 internal cases,involving funds up to 11.16 billion yuanes,the CBRC statistics of state-owned commercial banks in the forefront of the risk ranking,which is very detrimental to the long-term development of bank.For this reason,fund-raising fraud case governance has become an urgent task of the line,and as the main subject,for the branches of internal staff and "number one" research has become the core of their study.This article describes a number of internal staff of bank of S branch who is participated in private lending illegal fund-raising cases and risk events,the successor Li Nan,president of who uses theory of ethical leadership,to deal with the risk of settlement,increase the problem rectification efforts.The risk of the case,guide the staff to build a harmonious ethical environment,reduce the high incidence of fund-raising fraud situation,and ultimately the formation of business development and risk prevention and control of "business ecosystem" management situation.Under the leadership of effective management,S branch members got a general strengthening of the risk compliance awareness,built a new formation of a good ethical atmosphere,reversed the branch of fund-raising fraud cases of high incidence of unfavorable situation,for the healthy development of the Bank's business goals Implementation provides a case reference.On the basis of summing up the characteristics of the case and combing the cause of the case,this case aims to use the ethical leadership theory to find an effective way to reduce the probability of issuing and maintain the stable development,such to provide the theoretical basis and reform the S brunch ethical situation.