行政管理风险管理课件

1、Administrative Controls/ Risk Management行政管理/风险管理Federal Reserve System第1页，共18页。Administrative Controls行政管理Human Resources 人力资源:Internal Controls 内部控制Code of Ethics 道德规范Posted and read by employees 事先张贴并让员工了解Signed by employee 员工签署Risk Management 风险管理:Relationship between Insurance and Risk Manageme

2、nt 保险与风险管理的关系第2页，共18页。Minimum Code of Ethics基本道德规范Formally written and acknowledged 正式书面文件并得到公认Employee can understand the expectations of the bank 员工了解银行的期望Safeguarding confidential information 保护机密信息Restrictions on outside activities 外部活动限制Financial responsibility 支付能力Prompt payment of obligations

3、 债务的立即付款Level of debt to proposed salary 债务与工资水平比第3页，共18页。Acceptance of Gifts 接受礼品Conflicts of Interest 利益冲突Financial 财务方面Dealing with customers or vendors, etc.处理与客户、卖者等的关系Drug Policy Penalties for Non-compliance 违规处罚Minimum Code of Ethics基本道德规范第4页，共18页。Human Resources - Internal Control Issues人力资源

4、：内部控制问题Hiring and Pre-employment Screening 招聘与录用前审查Training 培训Detailed Job Descriptions 详细的岗位说明Employee Performance and Evaluation 员工绩效考核与测评第5页，共18页。Pre-Employment Screening录用前审查Evaluate the risk inherent in the position and check accordingly 评估岗位的内在风险，并进行相应审查Verify references & prior employers 向推荐人

5、和前用人单位进行核实Fingerprint Checks 指纹检查Verify credit history 调查信用记录Verify expatriate visas on management 调查以前是否曾被开除第6页，共18页。Training培训Are employees adequately trained and cross-trained? 员工是否受到充分培训和并进行交叉培训？Do they understand their job function? And backup function? 员工是否了解其工作职能？以及辅助职能？Is training provided t

6、o enhance knowledge? 培训是否提高了员工的知识水平？第7页，共18页。Personnel Records人事记录Detailed Job Description 详细的职位描述Performance Reports 业绩报告Stated Vacation Policy 明确的休假政策Written Personnel Policies 书面的人事政策Code of Ethics Received and Signed by all Employees 所有员工认可并签名的道德规范第8页，共18页。Risk & Insurance Management风险与保险管理Defen

7、ses against loss 预防损失Internal Controls 内部控制Policies & Procedures 方针与程序Emergency Preparedness 应急准备Contingency Planning 应急规划Records Management 记录管理Risk Identification & Analysis 风险识别与分析Purpose of Risk Management 风险管理的目的第9页，共18页。Purpose of Risk Management风险管理的目的Minimize Cost of Pure Risk 将纯粹风险成本降至最低Cos

8、t is defined as 成本定义为Cost of loss prevention measures, plus 预防损失采取的措施的成本，加Insurance premiums, plus 保费，加Losses and expenses sustained, plus 持续损失与支出，加Administrative expenses, minus 行政支出，减Recoveries from 3rd parties 第三方补偿第10页，共18页。Options for Treating Risk应对风险的措施Implement additional controls 实施额外控制Tran

9、sfer the risk to another party 把风险转移给他人Self-Insure 自保Discontinue the activity 中止经营活动Combination of the above 综合采取上述措施Insurance with a major insurer 向大保险公司购买保险第11页，共18页。Basic Tenet of Risk Management风险管理的基本原则Potential for significant or catastrophic loss should not be retained if avoidable 对于可能造成重大或灾

10、难性损失的风险诱因，如可规避，就不要让其继续存在第12页，共18页。Conversely从反面说Its not cost justified to insure losses which are not severe or predictable-improve controls 不严重的、可预计的损失的发生不是合理成本加强控制第13页，共18页。Board of Directors Determines董事会决定The maximum loss the bank is able or willing to assume 银行能够或者愿意承担的最大损失The insurance deducti

11、ble 扣除保费第14页，共18页。Types of Insurance Coverage保险类型Fidelity Bond 忠实保险契约Combination Safe Depository 综合保险箱Directors & Officers Liability 董事与负责人的责任Fiduciary Insurance Coverage 信托险Mortgage Errors & Omissions 抵押错误Cash Letter Insurance 现金运送险General Liability 一般责任险Fire Insurance 火险第15页，共18页。Examination Objec

12、tives检查目的Do risk management policies identify, control and mitigate risks? 风险管理方针是否能识别、控制并化解风险Are Boards guidelines for retention of risk reasonable? 董事会关于保留风险的指引是否合理Is significant or catastrophic loss covered? 重大的或灾难性损失是否得到补偿Are record-keeping practices adequate? 记录是否充分Is there corrective action when controls are deficient? 控制不完善时是否有整改措施第16页，共18页。What to look for?应该关注的问题Is there a risk manager for risk control? 是否有专职风险管理官Does insurance coverage conform to Boards guidelines? 保险范围与董事会指引是否一致Is insurance schedule and coverage sufficient? 保险安排