Research On X Group Risk Management System Optimization Based On Three Lines Of Risk Management

Today's society is a rapidly changing society,where the internal and external environment in which enterprises are changing is constantly changing and faces more diverse and complex risks.Over the years,there have been many cases of failures in risk management at home and abroad.For example,the bankruptcy of Lehman Brothers and the incident of "CNOOC Oil" are often caused by the weak awareness of risk management in the Company,the huge hidden risks in the transaction and the unreasonable internal governance structure.Too much rights and dictatorship,or their own internal control is not enough,authorizing the approval and control failure,there is a serious flaw in the collection and disclosure of information,incompatible positions staff to serve each other as fraud,these enterprises may be fatal The blow.So how to correctly identify the risks,analyze and evaluate the risks,to deal with the different types of risks,to implement different coping strategies,to effectively avoid the risks,to ensure the healthy and sustainable development of the enterprise so as to realize the strategic development goals of the enterprises is of crucial importance.In the enterprise comprehensive risk management system,the three lines of defense play an important role as the main part of the risk management organizational system.The three lines of defense provide a simple and effective way to clarify important roles and responsibilities so as to enhance communication between risk management and control.The model is more suitable for large-scale or complex institutions,with clear and coordinated power and responsibility,which helps improve the efficiency and effectiveness of risk management and helps the organization achieve its business objectives.Based on the existing theoretical research,combined with the X group of listed companies,this article explores the group risk management system.This paper focuses on the X group's risk management organization system,analyzes the status quo of the three lines of defense of the organizational system in the current stage,elaborates the weaknesses therein,and makes some improvements and explorations on it,including the headquarters,Under the direct management of enterprises and non-straight-line business,for the size,ownership of different enterprises were different considerationsand design.The third three lines of defense are applied to the daily monitoring of risk management,risk assessment and response work to give a specific process plan,and point out the responsibility management authority of each departmental institution in each risk management work.This article hopes to explore the issue of three lines of defense in risk management to provide some ideas and references for the overall risk management of the entire enterprise to help enterprises find out the function and important role of each line of defense in risk management and to promote the establishment of three lines of defense,Improve the identification,analysis,assessment and coping ability of risks to the enterprise,improve and perfect the overall risk management system,and escort the strategic goals of the enterprise.First of all,the paper analyzes the risk management level of X Group's risk management by analyzing the setting of the three lines of defense of X Group's risk,points out the unreasonable setting of the risk management,analyzes and improves it,introduces the overall construction of risk management system,The main focus is on setting the three defenses of risk management and the departments and specific job responsibilities involved in each line of defense.Secondly,the specific application of some risk management.Examples are introduced to the first and second lines of defense as the implementation of the main risk management process,analysis of the role of risk management,named in the risk management process of the various departments management authority.The paper analyzes the effectiveness of the improved risk management organization system and some of the follow-up management work starting from the actual situation of our country and hopes to find ways to enhance the effectiveness of risk management.Finally,the paper reviews and summarizes the full text,analyzes some of its shortcomings,that the theoretical level of research is not yet in-depth and authoritative,in the specific level of business guidance,the specific business management business to be specific analysis and design.