nlwxpearo
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 Posted: Wed 11:03, 19 Jan 2011 Post subject: Banks operating in the form of irregularities and |
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Banks operating in the form of irregularities and off-balance, causes, hazards and preventive measures
, Debate the proper use of project accounting, storage system, money is not allowed, sources of funding. Second, improve the internal management system, the financial and accounting personnel the responsibilities, rights and interests organically combine both the financial and accounting personnel to comply with the system, but also to protect their 28 ● ● financial supervision authority. Third, the establishment a scientific, strict and complete inspection and analysis of financial accounting system, and ensure the correct account, according to make the results truly reflect the financial operations of the operating conditions of the Bank. 4, Kennedy sad enforce regulations, strengthen the restraint mechanism. One firm implementation of block the illegal source of funds and off-balance operation. The second is to strengthen the functions of various departments within the financial and accounting departments should earnestly implement the accurate and complete. credit departments should adhere to the then operating procedures for approval loans, insist on collateral security and the relevant provisions of the not engage in false data. 5, strengthen the supervision of the central bank and commercial bank's internal audit. First, strengthen the supervision of the central bank, effectively press the Strengthening the role of commercial banks internal audit, internal audit organizations to further improve and perfect rules and regulations, strengthen the building, improve the quality of personnel, often carry out audit activities, to identify the problems reported to boldly and firmly punished. .6, thoroughly clean bank run by economic entity. Bank of self-management of economic entities although part of banks, but without the approval of the People's Bank, are not deposits, loans, otherwise it is illegal according to the law I can only entity in its approved business scope of business. According to state regulations,[link widoczny dla zalogowanych], such economic entities with the bank completely decoupled. 7, strengthen the management of important gaps in evidence. At present, the management of some banks on certificates of deposit is still out of control,[link widoczny dla zalogowanych], non-depository trust company sector, real estate credit department, credit card, international business and other departments to receive free, the use of certificates of deposit, or had stopped using the old certificate of deposit is still on the primary network; recipients, the registration system is not perfect still exists, causing a large number of law and discipline violations. to resolve This issue alone is not enough to save a division, must lead to personally attend to the business units work together to develop and perfect the system from the staff, the certificate will be treated as blank CDs, and other important custody of cash, like, really into the routine inspection, audit content being. That is,[link widoczny dla zalogowanych], to cut off illegal and off-balance source operating certificate. 8, to strengthen the primary business units responsible for the supervision and improve the inspection, audit quality. too many irregularities and off-balance the number of operators who are mainly related to primary person in charge of business units, in savings, accounting, billing, credit and other areas. Now a weak internal control mechanism is to monitor one-way, top-down, the department responsible for monitoring human behavior is not resolved. causing internal inspection , verifying the completion of high quality, low coverage. going through the motions, not the problem that caused some problems long-term potential, so that knowledge is a major behind the illegal operation occurred. Therefore, to fundamentally eliminate the illegal operation of the human factors and off-balance. 9 relevant policies and regulations to strengthen the research traitor. At present, off-balance deposits in the form of more cases, methods similar to t but the specific practices are different: free certificate of deposit, there are really certificates of deposit; Some CD is a hand-out,[link widoczny dla zalogowanych], Some CD is out of power Nie; some with guarantees, letters of undertaking to ensure, while others did not; some with fraudulent behavior and circumstances, while others of corruption, embezzlement and other criminal acts. Thus, in dealing with external relations both involve the issue of criminal responsibility also involves civil liability issues. The line should take the initiative to reflect and understand the situation to the authorities to strengthen policies and regulations related to research. 10, further correct guiding ideology of business,[link widoczny dla zalogowanych], regulate the internal management. occurrence of irregular and off-balance The most fundamental reason is the operating business of guiding ideology is not correct, do not follow the rules of the commercial banking operations, internal management cypress Chi, to local interests, chaotic work, and off-balance operation. Therefore, the guiding ideology of non-business can not be correct. the only way to completely eradicate the phenomenon of illegal and off-balance operation. (This editor Long Yat Ming) 2g
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