行政管理风险管理.ppt

1、Administrative Controls/ Risk Management行政管理/风险管理,Federal Reserve System,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,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 债

3、务的立即付款 Level of debt to proposed salary 债务与工资水平比,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,Human Resources - Internal Control Issues人力资源：内部控制问题,Hiri

4、ng 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,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 向推荐人和前用人单位进行核实 Fin

5、gerprint 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,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 to enhance knowle

6、dge? 培训是否提高了员工的知识水平？,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,Risk & Insurance Management风险与保险管理,Defenses against loss 预防损失 Inte

7、rnal 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,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 Cost is defined as 成本定义为 Cos

8、t 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,Options for Treating Risk应对风险的措施,Implement additional controls 实施额外控制 Transfer the risk to another pa

9、rty 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,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难性损失的风险诱因，如可规避，就不要让其继续存在,Conver

10、sely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,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 deductible 扣除保费,Types of Insurance Coverage保险类型,Fidel

11、ity 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,Examination Objectives检查目的,Do risk management policies identify, control

12、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,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 cover