商業(yè)銀行內(nèi)控制度建設(shè)現(xiàn)狀-免費閱讀
【正文】 決策者不能違反或超越?jīng)Q策程序 :執(zhí)行者應(yīng)在其職責(zé)和權(quán)限內(nèi)行使職權(quán) 。從“一級法人 到“多級法人’’。三是商業(yè)銀行內(nèi)部控制的手段相對滯后 ,科技含量相 對較低 ,反應(yīng)速度相對較慢。另一方面 ,不少制度規(guī)定又存在模糊化的概念 ,在涉及操作層面的各個業(yè)務(wù)環(huán)節(jié)時往往采取原則性的提法 ,導(dǎo)致制度執(zhí)行者理解和執(zhí)行上的差異性較大。當(dāng)前我國經(jīng)濟正處于高速成長期 ,銀行經(jīng)營的內(nèi)外環(huán)境亦快速變化?？梢哉f ,各銀行內(nèi)部都陸續(xù)建立起一套與自身業(yè)務(wù)緊密相關(guān)的操作、控制制度 ,內(nèi)控管理文化建設(shè)已見雛形 ,為銀行業(yè)的穩(wěn)健經(jīng)營起到了明顯促進(jìn)作用。s internal control and management is a dynamic control process, covering the whole process of bank business, the purpose is to have effect of guard against operational risks occur, promote the business development. Some Banks internal control content simply to formulate system, carry out inspection, treatment peccancy, as technological application level is relatively backward, the internal control system failed to establish a set of scientific and efficient, standardized puter risk control system, internal control means still with manual exercises is given priority to, from large portfolio of artificial screening and control, inevitably will appear omissions, not only the management cost is high, and low efficiency of the management. Internal control system construction is still a passive cope with the situation. Second, our country mercial bank inside control construction of the emphases and difficulties mercial Banks internal control of the construction of key should be: the establishment of a modern enterprise system, perfect the corporate governance structure, from the construction of internal control systems of system and mechanism continuity source such as sexual problems on to try to solve. Commercial Banks shareholding system the aim is not only to realize jointstock enterprise form, more important is the realization mechanism and system transformation, into for sufficient capital, strict internal controls, safe operations, good service, benefit is remarkable modern banking enterprise. From single a property to multiple property . Diversified ownership will make the property right of stateowned Banks, and is more obvious and because property is the source of the socialization and shares the mobilization, the assets of stateowned Banks configuration will be more efficient, facilitate stateowned Banks rapidly expand capital, business contacts and risk prevention. From legal person to ~ level multistage method people 39。商業(yè)銀行內(nèi)控制度建設(shè)現(xiàn)狀【外文翻譯】 外文翻譯 原文 The situation of mercial bank internal control system Material Source: 《 Rationing in Credit Markets with Imperfect Information》 Author:Bester Screening Commercial Banks internal control system, is the mercial Banks internal construction in preventing risks as the goal, take into account the efficiency of the original then, to realize the mutual business post balances, business process of scientific, rational, business variety of risk assessment of each the floorboard of internal rules. The current domestic banking after more than ten years of mercial construction, and has initially established a Set of certain scient
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