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论文编号：	9229
作者编号：	2220120536
上传时间：	2017/6/12 20:40:44
中文题目：	中信银行总行营业部合规文化建设改进研究
英文题目：	Citic bank headquarters of the total industry research department compliance culture construction
指导老师：	李建标
中文关键字：	中信银行总行营业部;银行企业文化建设;内控环境;金融生态
英文关键字：	China citic bank head office business departments;Bank enterprise culture construction;Internal control environment;Financial ecology
中文摘要：	本文以中信银行总行营业部合规文化建设改进为研究对象，首先总结回顾了企业文化理论和金融生态理论的研究成果，分析了中信银行总行营业部合规文化建设面临的内外部环境，剖析了中信银行总行营业部合规文化建设现状，理论联系实际，提出了中信银行总行营业部合规文化建设改进对策建议，同时给出了经济新常态和新兴业态兴起形势下中信银行总行营业部合规文化建设应对策略，对互联网、大数据技术迅速普及和推广环境下中信银行总行营业部合规文化建设的新趋势进行了展望。论文以实际工作中的关键问题为研究主旨，吸收和借鉴了相关理论和技术原理，对改进中信银行总行营业部合规文化建设具有一定的现实指导意义。随着中国经济金融全球化改革开放不断深入，商业银行国际化经营范围和领域越来越广泛,市场营销、产品研发、客户服务、资金清算、运营管理等日常业务活动面临国际和国内两个市场、两种监管体制、两种法制体系、两类金融生态系统、两种文化环境，经营管理受到广泛而深远的影响。人民币利率、汇率形成机制市场化，商业银行依靠传统固定利率差生存的盈利模式开始转变。面对激烈的市场竞争，商业银行只有不断创新产品和服务，主要依靠服务而不是仍然依靠大量资本消耗，来全方位的满足客户不断变化的需求，才能获得业务机会，赢得生存空间。互联网技术飞速发展，电子商务、第三方支付、互联网金融等新兴业态不断涌现，使金融业务的门槛不断降低，营销成本下降，经营金融业务主体范围不断扩展，金融业务的经营模式发生根本性变革，除了与商业银行争夺传统业务市场和客户外，还给依靠大数据创新风险管理和客户营销手段带来极大便利，不断冲击和颠覆着传统商业银行的管理思维和经营理念，生存方式和空间受到前所未有的挑战和挤压，创新发展势在必行。实行金融混业经营和兼业监管政策，鼓励金融竞争和创新，金融业务和金融机构出现分化，行业融合趋于密切，社会金融生态系统深刻变化和演进。打破民间资本进入金融行业的壁垒，拓展政府融资渠道和方式，扶持地方金融机构发展，引导小微型金融机构参与普惠金融，金融市场参与主体越来越多样化，商业银行金融市场垄断地位被打破。改革投融资体制，创新金融服务，资本市场、货币市场得摘 要 II 到空前增长，不同融资工具不断被推陈出新，市场风险、信用风险向金融系统渗透和传染途径越来越广，给防范系统性金融风险带来诸多挑战。随着金融市场不断开放和拓展，商业银行合规经营面临前所未有的挑战。近年来，国内外商业银行不断发生金融衍生品交易、反洗钱、理财飞单、票据欺骗、账户资金盗划、骗贷逃贷等重大违法、违规、违纪金融案件和风险事件，给商业银行合规风险管理带来巨大压力。分析这些金融案件和风险事件发生的成因，就会发现银行员工道德失范、操作失规、制度失效、管理失职是导致相关风险的重要根源。面对严峻而复杂的金融形势，金融监管当局加大了市场监管力度，监管范围涉及各类金融机构，监管内容不仅涉及传统存贷汇业务，也涉及创新业务和员工行为，多家商业银行因此受到检查通报、业务禁止、人员禁入及巨额经济处罚等严厉的监管措施处理。因此，建设合规文化，培育良好内控环境，塑造员工主动合规的良好习惯、自觉意识和行为规范，形成合规经营长效机制，是商业银行转变经营模式，调整业务结构，防控各类风险，实现健康稳健发展战略目标的必由之路。本文针对中信银行总行营业部面临的内外部环境，分析了合规文化建设的现状，依据企业文化、企业内部控制、金融生态等相关理论原理，提出了建设合规文化的对策。
英文摘要：	In this paper, CITIC Bank compliance culture construction improvement as the research object, firstly summarizes and reviews the results of research on the theory of enterprise culture and the financial ecological theory, analyzes China CITIC Bank head office of compliance culture construction of the internal and external environment, analysis of the CITIC Bank head office of compliance culture construction situation, contact theory actually, the CITIC Bank compliance culture construction improvement suggestions are given at the same time, the rise of the new economic norm and new industry situation of China CITIC Bank head office of compliance culture construction strategies, on the Internet, big data technology popularization and the new trend of compliance culture construction promotion under the environment of China CITIC Bank the business department is discussed. The thesis takes the key problems in the actual work as the research subject, and absorbs and uses the relevant theories and technical principles. It has certain practical significance for improving the construction of the compliance culture of CITIC Bank headquarters. as China's economic and financial globalization deepening reform and opening up, the business scope and field of internationalization commercial Banks is more and more widely, marketing, product development, customer service, fund settlement, operations management, and other daily business activities facing the international and domestic two markets, two kinds of regulatory system, two kinds of legal system, two types of financial ecological system, two kinds of cultural environment, operation and management has been widely and far-reaching influence.The marketization of interest rate, exchange rate formation mechanism, the profit pattern of commercial Banks rely on traditional fixed interest rate differentials are beginning to change.In the face of fierce market competition, only continuous innovation of products and services, commercial Banks rely mainly on services rather than still rely on a large number of capital consumption, to all-round meet the changing needs of customers, to get the business opportunity, win the living space.Rapid development of Internet Abstract IV technology, e-commerce, third-party payment, emerging forms such as the Internet financial constantly emerging, to lower the threshold of the financial business constantly, marketing costs down, subject to conduct financial business scope expanding, the management mode of financial business radically change, in addition to the commercial Banks compete for traditional business market and customers, also rely on large data innovation risk management brings great convenience and customer marketing, constantly impact and subvert the traditional commercial bank management thinking and management concept, way of life and space by the unprecedented challenges and extrusion, innovation and development is imperative.Implements the concurrent-business mixed management in financial and regulatory policy, encourage financial competition and innovation, financial business and financial institutions appear differentiation, industry convergence tend to be more closely, profound changes and social financial ecosystem evolution.Break the barrier of the folk capital into the financial industry, expand the financing channels and means, government support the development of local financial institutions, and guide small microfinance institutions to participate in pratt &whitney financial, financial market participation main body more and more diversified, the commercial bank financial market monopoly was broken.Reform of the investment and financing system, innovation of financial service, get an unprecedented growth in capital market, money market, different financing tool by continual innovation, market risk, credit risk into the financial system and transmit. More and more widely, bring many challenges to prevent systemic financial risk.As financial markets open and expand unceasingly, the commercial Banks compliance management face unprecedented challenges.Are happening at home and abroad in recent years, the commercial bank financial derivatives trading, money laundering, fraud, financial fly alone, bill account, loan fraud escaped delimit money stolen, and other major illegal, illegal, discipline and risk events, financial case to commercial bank compliance risk management bring great pressure.Analysis the financial case and the cause of the risk event occurs, you will find the bank employee moral anomie, operating rules, system failure, loss dereliction of duty is the important source of risk management.In the face of severe and complicated financial situation, financial regulatory authorities stepped Abstract V up market supervision, regulation covers all types of financial institutions, regulatory content not only involves the traditional business remit deposit, also involve the business innovation and employee behavior, many commercial Banks have inspection report, business prohibited, forbid and stringent regulatory measures such as huge financial penalties.Therefore, the construction of culture of compliance, foster a good internal control environment, shaping the habits, voluntary compliance consciousness and action criterion, a long-term mechanism of formation and operation compliance, is transformation of commercial bank management mode, adjust the business structure, the prevention and control of various kinds of risks, the only way to realize the health steady development strategic target. Aiming at China citic bank head office business departments are faced with the internal and external environment, analyzes the current situation of the construction of culture of compliance, on the basis of corporate culture, internal control, financial ecology and relevant theory principle, puts forward the countermeasures of construction of culture of compliance.
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