Research On Financial Compliance Risk Management Of ZG Bank

My country’s financial industry has long since bid farewell to the barbaric growth stage and entered the post-epidemic era.Under this general trend,strong supervision,heavy punishment,and strict accountability will become the norm in the financial industry and for some time to come.Under a very severe development environment in the financial industry,many companies are gradually showing a downward trend in terms of profitability.Lots of bad loans.Financial compliance risk is an important part of risk management in commercial banks,and it is the main cause of risk factors such as operational risk,market risk,and credit risk.Large financial institutions have high requirements for capital and information security.Among them,financial accounting is a very critical basic management work in all the work of the bank,and financial compliance management has a very important relevance to the security and stability system of the bank’s finance and financial management.Judging from the current actual situation,many state-owned commercial banks are subject to a lot of strict external supervision due to their own endogenous needs,which makes their financial compliance risk management system more complete to a certain extent.At the same time,they also need to form some important management methods and institutional systems that conform to their development model in accordance with their own real conditions.Our country has not carried out very in-depth and comprehensive research on bank financial compliance risk management,and the corresponding management level is still at a low level,and most banks are simply based on their past experience.Management has not formed a very effective innovation ability,so that financial compliance risk management has been in the basic theory and form for a long time,and it is difficult to use it in the real practice process.This thesis focuses on ZG Bank as the main example,and conducts a very comprehensive and in-depth research on the bank’s financial compliance risk management,so as to obtain some more important management experience,and at the same time give some more effective improvement measures.The main contents of this study are as follows: First,we introduce the origin,background and significance of the selected topic,as well as the content and methodology of this study.The second is to clarify the relevant concepts of financial compliance risk management,analyze the theoretical basis of financial compliance risk management of commercial banks,and clarify the current situation of financial compliance risk management of domestic and foreign commercial banks;and then sort out the current situation and problems of Zhengzhou Bank’s financial compliance risk management,analyzed the overall business situation and current situation of Zhengzhou Bank’s financial compliance risk management,and clarified the main problems of Zhengzhou Bank’s financial compliance risk management;then,identified ZG Bank’s financial compliance risk management factors,determined risk assessment standards and established an assessment system,carry out case analysis and conclusions;based on the research on the financial compliance risk assessment system of Zhengzhou Bank in the previous chapter,the financial compliance risk management analysis and countermeasures of Zhengzhou Bank;through a very comprehensive and in-depth study,some corresponding conclusions are obtained,and A specific outlook is given.After the evaluation and analysis of ZG bank’s financial compliance risk,the following conclusions are drawn :(1)the overall rating of ZG bank’s financial compliance risk management level is general,and the reason is that the rating of the three first-level indicators is general,which is the direct reason for the low overall rating.(2)Among them,the financial management risk score is the lowest,so attention should be paid to it and corresponding countermeasures suitable for ZG Bank should be put forward.Second,ZG Bank needs to improve the management of various financial review risk links.The financial accounting risk score is the highest.ZG Bank pays more attention to various irregularities in the financial accounting work,but it still needs to refine and improve whether the specific accounting work is accurate and accurate and whether the risk report is timely and accurate.(3)The scores of the second-level indicators under financial accounting risk are all general,among which the financial information violation is the lowest.Although ZG Bank has developed a relatively perfect financial information compilation and reporting system rules,there are still many irregularities in the implementation process,which may cause legal risks and economic losses.The score of the second-level index under financial management risk is also general,especially in the accounting management of violations repeatedly forbidden,which will not only show economic losses seriously,more likely to bring reputation risks because of being punished by regulatory authorities.Financial audit risk score are general,every index of centralized purchasing violations scored lowest.As a large state-owned bank with a large volume and many branches,ZG Bank’s internal procurement system is very complex,and it is difficult to strictly implement the basic branches and branches.In order to avoid large economic losses,it is necessary to further improve the procurement system of branches and branches at all levels.