發(fā)布時間：2018-06-15 23:38

  本文選題：內(nèi)部欺詐 + 風(fēng)險��； 參考：《南昌大學(xué)》2014年碩士論文

【摘要】：近年來，受制于外部復(fù)雜多變的經(jīng)濟(jì)社會形勢和銀行業(yè)機(jī)構(gòu)體質(zhì)、機(jī)制及內(nèi)部管理中存在的深層次問題，國內(nèi)內(nèi)部欺詐案件出現(xiàn)較大反彈。從外部看，由于資金緊張，通過各種手段尋求資金的現(xiàn)象會蔓延。從內(nèi)部看，一方面信貸大投放后的風(fēng)險將逐漸顯現(xiàn)，另一方面銀行業(yè)機(jī)構(gòu)競爭激烈，存貸款業(yè)務(wù)發(fā)展面臨政策和市場雙重壓力。規(guī)模效益快速增長需求和外部環(huán)境客觀變化的矛盾，容易使干部員工產(chǎn)生經(jīng)營理念上的偏差，對熟人、關(guān)系人、老客戶介紹業(yè)務(wù)放松警惕，用人情代替制度，用信任代替制度，業(yè)務(wù)審查“走過場”，為一些不法之徒作案提供可乘之機(jī)。內(nèi)部欺詐風(fēng)險案件有增無減。 論文以作者從媒體網(wǎng)絡(luò)報道中搜集到的78個國內(nèi)銀行業(yè)機(jī)構(gòu)中的內(nèi)部欺詐風(fēng)險案例為基礎(chǔ),從時間跨度、業(yè)務(wù)類型、欺詐類型、銀行體制進(jìn)行篩選、分析和研究，得出了我國商業(yè)銀行內(nèi)部欺詐風(fēng)險存在基層營業(yè)機(jī)構(gòu)對內(nèi)部欺詐風(fēng)險管理認(rèn)識不夠、銀行員工缺乏內(nèi)部欺詐風(fēng)險防范意識、內(nèi)部欺詐風(fēng)險的識別與控制手段單一、銀行部門之間缺乏內(nèi)部欺詐風(fēng)險信息共享、銀行重視對基層操作人員的管理而忽略對高層領(lǐng)導(dǎo)人員的監(jiān)督、忽略對員工行為的動態(tài)管控、內(nèi)部欺詐風(fēng)險管理缺乏量化考核指標(biāo)、違規(guī)懲戒力度不夠等八個方面的問題。并就發(fā)現(xiàn)的問題提出建立員工行為檔案、建立內(nèi)部欺詐風(fēng)險防范預(yù)警機(jī)制建議。
[Abstract]:In recent years, because of the complicated and changeable external economic and social situation and the deep problems existing in the banking institutions, mechanisms and internal management, the domestic internal fraud cases have rebounded greatly. From the outside, because of the shortage of funds, the phenomenon of seeking funds through various means will spread. From the internal point of view, on the one hand, the risks after the big credit will gradually appear, on the other hand, the competition of banking institutions is fierce, and the development of deposit and loan business faces the double pressure of policy and market. The contradiction between the demand for rapid growth of scale benefit and the objective change of external environment can easily make cadres and employees deviate from their business concepts. They can relax their vigilance in introducing business to acquaintances, related persons and old customers, replace the system with human feelings and replace the system with trust. Business review, "formality", for some criminals to take advantage of the opportunity. Cases of internal fraud risk continue unabated. Based on the internal fraud risk cases in 78 domestic banking institutions collected by the author from media network reports, the paper selects, analyzes and studies the time span, business type, fraud type and banking system. It is concluded that the internal fraud risk of commercial banks in our country is not well understood by the grass-roots business organizations, the bank staff lack the awareness of internal fraud risk prevention, and the identification and control means of internal fraud risk are single. There is a lack of internal fraud risk information sharing among banking departments. Banks attach importance to the management of grass-roots operators, ignore the supervision of senior leaders, ignore the dynamic control of employees' behavior, and lack of quantitative assessment indicators for internal fraud risk management. Illegal punishment is not enough and other eight aspects of the problem. The paper also puts forward some suggestions on establishing employee behavior files and establishing internal fraud risk prevention and warning mechanism.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

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本文編號：2024164