商业银行内部风险管理体系及其职责

风险管理是商业银行的一项重要管理工作,从内部体系看,风险防控的三道防线是由经营部门、风险管理部门、内控合规部门和内审部门分别承担的,它们在风险防控上存在着交集,需要各司其职、明确分工,以提高风险管理效率。此外,各部门间的相互制约应当适度,风险管理部门的设置要计成本、讲效率。

Commercial bank's internal risk management system and its responsibilities

Risk management is important for commercial banks.In terms of internal system,three lines of defense for risk control are respectively undertaken by the operation department,the risk management department,the internal compliance and internal audit department. They overlap in risk control and it is required to establish clearly defined responsibilities so as to improve risk management efficiency. In addition,there should be appropriate mutual restraints among those departments,and the cost and efficiency sho...