1、Administrative Controls/ Risk Management行政管理/風險管理,Federal Reserve System,Administrative Controls行政管理,Human Resources 人力資源: Internal Controls 內(nèi)部控制 Code of Ethics 道德規(guī)范 Posted and read by employees 事先張貼并讓員工了解 Signed by employee 員工簽署 Risk Management 風險管理: Relationship between Insurance and Risk Manageme

2、nt 保險與風險管理的關(guān)系,Minimum Code of Ethics基本道德規(guī)范,Formally written and acknowledged 正式書面文件并得到公認 Employee can understand the expectations of the bank 員工了解銀行的期望 Safeguarding confidential information 保護機密信息 Restrictions on outside activities 外部活動限制 Financial responsibility 支付能力 Prompt payment of obligations 債

3、務(wù)的立即付款 Level of debt to proposed salary 債務(wù)與工資水平比,Acceptance of Gifts 接受禮品 Conflicts of Interest 利益沖突 Financial 財務(wù)方面 Dealing with customers or vendors, etc.處理與客戶、賣者等的關(guān)系 Drug Policy Penalties for Non-compliance 違規(guī)處罰,Minimum Code of Ethics基本道德規(guī)范,Human Resources - Internal Control Issues人力資源：內(nèi)部控制問題,Hiri

4、ng and Pre-employment Screening 招聘與錄用前審查 Training 培訓 Detailed Job Descriptions 詳細的崗位說明 Employee Performance and Evaluation 員工績效考核與測評,Pre-Employment Screening錄用前審查,Evaluate the risk inherent in the position and check accordingly 評估崗位的內(nèi)在風險，并進行相應(yīng)審查 Verify references & prior employers 向推薦人和前用人單位進行核實 Fin

5、gerprint Checks 指紋檢查 Verify credit history 調(diào)查信用記錄 Verify expatriate visas on management 調(diào)查以前是否曾被開除,Training培訓,Are employees adequately trained and cross-trained? 員工是否受到充分培訓和并進行交叉培訓？ Do they understand their job function? And backup function? 員工是否了解其工作職能？以及輔助職能？ Is training provided to enhance knowle

6、dge? 培訓是否提高了員工的知識水平？,Personnel Records人事記錄,Detailed Job Description 詳細的職位描述 Performance Reports 業(yè)績報告 Stated Vacation Policy 明確的休假政策 Written Personnel Policies 書面的人事政策 Code of Ethics Received and Signed by all Employees 所有員工認可并簽名的道德規(guī)范,Risk & Insurance Management風險與保險管理,Defenses against loss 預(yù)防損失 Inte

7、rnal Controls 內(nèi)部控制 Policies & Procedures 方針與程序 Emergency Preparedness 應(yīng)急準備 Contingency Planning 應(yīng)急規(guī)劃 Records Management 記錄管理 Risk Identification & Analysis 風險識別與分析 Purpose of Risk Management 風險管理的目的,Purpose of Risk Management風險管理的目的,Minimize Cost of Pure Risk 將純粹風險成本降至最低 Cost is defined as 成本定義為 Cos

8、t of loss prevention measures, plus 預(yù)防損失采取的措施的成本，加 Insurance premiums, plus 保費，加 Losses and expenses sustained, plus 持續(xù)損失與支出，加 Administrative expenses, minus 行政支出，減 Recoveries from 3rd parties 第三方補償,Options for Treating Risk應(yīng)對風險的措施,Implement additional controls 實施額外控制 Transfer the risk to another pa

9、rty 把風險轉(zhuǎn)移給他人 Self-Insure 自保 Discontinue the activity 中止經(jīng)營活動 Combination of the above 綜合采取上述措施 Insurance with a major insurer 向大保險公司購買保險,Basic Tenet of Risk Management風險管理的基本原則,Potential for significant or catastrophic loss should not be retained if avoidable 對于可能造成重大或災(zāi)難性損失的風險誘因，如可規(guī)避，就不要讓其繼續(xù)存在,Conver

10、sely從反面說,Its not cost justified to insure losses which are not severe or predictable-improve controls 不嚴重的、可預(yù)計的損失的發(fā)生不是合理成本加強控制,Board of Directors Determines董事會決定,The maximum loss the bank is able or willing to assume 銀行能夠或者愿意承擔的最大損失 The insurance deductible 扣除保費,Types of Insurance Coverage保險類型,Fidel

11、ity Bond 忠實保險契約 Combination Safe Depository 綜合保險箱 Directors & Officers Liability 董事與負責人的責任 Fiduciary Insurance Coverage 信托險 Mortgage Errors & Omissions 抵押錯誤 Cash Letter Insurance 現(xiàn)金運送險 General Liability 一般責任險 Fire Insurance 火險,Examination Objectives檢查目的,Do risk management policies identify, control

12、and mitigate risks? 風險管理方針是否能識別、控制并化解風險 Are Boards guidelines for retention of risk reasonable? 董事會關(guān)于保留風險的指引是否合理 Is significant or catastrophic loss covered? 重大的或災(zāi)難性損失是否得到補償 Are record-keeping practices adequate? 記錄是否充分 Is there corrective action when controls are deficient? 控制不完善時是否有整改措施,What to look for?應(yīng)該關(guān)注的問題,Is there a risk manager for risk control? 是否有專職風險管理官 Does insurance coverage conform to Boards guidelines? 保險范圍與董事會指引是否一致 Is insurance schedule and cover