廣西金融投資集團構建“六大體系”努力提高全面風險管理水平
廣西金融投資集團構建“六大體系”努力提高全面風險管理水平

文章來源:廣西國資委 發布時間:2014-03-07
近年來,廣西(xi)金融投資(zi)集團堅持業(ye)務發展與風險防范并重的(de)發展理念,風險防控扎實有效。各項投資(zi)不良率為0,擔保貸款、搭橋貸款不良率僅(jin)為0.49%,整體(ti)損(sun)失(shi)率控制在0.0058%以內(nei),相(xiang)關指標(biao)(biao)遠低于國家規定的(de)相(xiang)關標(biao)(biao)準,實現了(le)風險防范前(qian)提下的(de)快速穩(wen)健(jian)發展。
金融集(ji)團全面(mian)加強風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)主要做法是(shi):一是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)企(qi)業(ye)(ye)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)體(ti)系(xi)(xi),形成科(ke)學高(gao)效的(de)(de)(de)企(qi)業(ye)(ye)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)架(jia)構(gou)(gou)(gou)。按(an)照(zhao)“完整性(xing)、系(xi)(xi)統性(xing)、科(ke)學性(xing)、超前(qian)性(xing)和(he)(he)(he)有(you)效性(xing)”原則進行風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)機(ji)(ji)構(gou)(gou)(gou)和(he)(he)(he)體(ti)系(xi)(xi)建(jian)(jian)(jian)(jian)設,合(he)理(li)(li)(li)(li)設置管(guan)(guan)(guan)理(li)(li)(li)(li)機(ji)(ji)構(gou)(gou)(gou)和(he)(he)(he)職能部門。二是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)規章制度(du)體(ti)系(xi)(xi),堅持以制度(du)管(guan)(guan)(guan)人(ren)(ren)(ren)、管(guan)(guan)(guan)事、管(guan)(guan)(guan)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian),以經(jing)(jing)營(ying)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)防范(fan)為(wei)主線,建(jian)(jian)(jian)(jian)立覆蓋經(jing)(jing)營(ying)決策、經(jing)(jing)營(ying)過(guo)程(cheng)和(he)(he)(he)事后監督等經(jing)(jing)營(ying)管(guan)(guan)(guan)理(li)(li)(li)(li)全過(guo)程(cheng)的(de)(de)(de)內控制度(du)。三是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)經(jing)(jing)營(ying)考(kao)核與(yu)責任(ren)追究(jiu)體(ti)系(xi)(xi),防范(fan)操作(zuo)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)和(he)(he)(he)道德(de)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。通(tong)過(guo)制定一系(xi)(xi)列風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)考(kao)核辦法,強化(hua)全員(yuan)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)意識,提(ti)(ti)高(gao)企(qi)業(ye)(ye)全面(mian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)成效。四是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)監督檢查(cha)(cha)體(ti)系(xi)(xi),努力防范(fan)和(he)(he)(he)化(hua)解系(xi)(xi)統性(xing)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)公開(kai)(kai)監督、日常檢查(cha)(cha)、專項抽查(cha)(cha)等相結合(he)的(de)(de)(de)業(ye)(ye)務監督檢查(cha)(cha)體(ti)系(xi)(xi),及時(shi)發現(xian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)隱患,努力防范(fan)和(he)(he)(he)化(hua)解風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。五是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)文(wen)化(hua)體(ti)系(xi)(xi),建(jian)(jian)(jian)(jian)設獨具特(te)色的(de)(de)(de)企(qi)業(ye)(ye)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)文(wen)化(hua)。通(tong)過(guo)開(kai)(kai)展(zhan)形式多樣的(de)(de)(de)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)文(wen)化(hua)活動,激發員(yuan)工(gong)開(kai)(kai)展(zhan)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)作(zuo)的(de)(de)(de)熱情,不斷提(ti)(ti)高(gao)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)識別能力。六是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)(jian)人(ren)(ren)(ren)才管(guan)(guan)(guan)理(li)(li)(li)(li)體(ti)系(xi)(xi),著力打造一支(zhi)高(gao)素質(zhi)金融團隊,通(tong)過(guo)提(ti)(ti)高(gao)人(ren)(ren)(ren)員(yuan)素質(zhi)和(he)(he)(he)業(ye)(ye)務能力來防范(fan)能力風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian),嚴(yan)格(ge)把(ba)好“進人(ren)(ren)(ren)關”、“選人(ren)(ren)(ren)關”、“育人(ren)(ren)(ren)關”、“用人(ren)(ren)(ren)關”、“留人(ren)(ren)(ren)關”,為(wei)金融集(ji)團實現(xian)綜合(he)經(jing)(jing)營(ying)和(he)(he)(he)跨(kua)越發展(zhan)提(ti)(ti)供有(you)力的(de)(de)(de)人(ren)(ren)(ren)才支(zhi)撐。