文(wen)章(zhang)來源:廣西國(guo)資委 發布(bu)時間:2014-03-07
近年(nian)來,廣西(xi)金(jin)融投(tou)資(zi)集(ji)團(tuan)堅(jian)持業務發展與風險防(fang)范并重(zhong)的(de)發展理念,風險防(fang)控(kong)扎實有效(xiao)。各項投(tou)資(zi)不(bu)良(liang)(liang)率(lv)為0,擔保貸(dai)款、搭(da)橋貸(dai)款不(bu)良(liang)(liang)率(lv)僅為0.49%,整體損失率(lv)控(kong)制在(zai)0.0058%以(yi)內(nei),相關(guan)指標遠(yuan)低(di)于(yu)國家規定(ding)的(de)相關(guan)標準,實現了(le)風險防(fang)范前提(ti)下(xia)的(de)快速(su)穩(wen)健發展。
金融(rong)(rong)集團(tuan)全(quan)面加強(qiang)(qiang)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)的(de)(de)主要做法(fa)是(shi):一(yi)是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)企業(ye)(ye)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)體(ti)(ti)系(xi)(xi),形成科學高效(xiao)的(de)(de)企業(ye)(ye)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)架構(gou)(gou)(gou)。按照“完(wan)整性(xing)、系(xi)(xi)統性(xing)、科學性(xing)、超前性(xing)和有(you)效(xiao)性(xing)”原則進(jin)行風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)機(ji)(ji)構(gou)(gou)(gou)和體(ti)(ti)系(xi)(xi)建(jian)(jian)(jian)設(she),合理(li)(li)(li)設(she)置管(guan)(guan)(guan)理(li)(li)(li)機(ji)(ji)構(gou)(gou)(gou)和職能(neng)部門。二是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)規章制度(du)(du)體(ti)(ti)系(xi)(xi),堅持(chi)以(yi)(yi)制度(du)(du)管(guan)(guan)(guan)人、管(guan)(guan)(guan)事(shi)(shi)、管(guan)(guan)(guan)風(feng)(feng)(feng)險(xian)(xian)(xian),以(yi)(yi)經營風(feng)(feng)(feng)險(xian)(xian)(xian)防(fang)(fang)范為主線,建(jian)(jian)(jian)立覆蓋經營決(jue)策、經營過程(cheng)和事(shi)(shi)后監督等經營管(guan)(guan)(guan)理(li)(li)(li)全(quan)過程(cheng)的(de)(de)內控制度(du)(du)。三是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)經營考核與責(ze)任追究體(ti)(ti)系(xi)(xi),防(fang)(fang)范操作(zuo)風(feng)(feng)(feng)險(xian)(xian)(xian)和道德風(feng)(feng)(feng)險(xian)(xian)(xian)。通過制定一(yi)系(xi)(xi)列風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)考核辦法(fa),強(qiang)(qiang)化(hua)全(quan)員風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)意識,提(ti)高企業(ye)(ye)全(quan)面風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)成效(xiao)。四是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)監督檢(jian)查(cha)體(ti)(ti)系(xi)(xi),努力防(fang)(fang)范和化(hua)解(jie)系(xi)(xi)統性(xing)風(feng)(feng)(feng)險(xian)(xian)(xian)。構(gou)(gou)(gou)建(jian)(jian)(jian)公開(kai)監督、日(ri)常檢(jian)查(cha)、專項抽查(cha)等相結合的(de)(de)業(ye)(ye)務(wu)(wu)監督檢(jian)查(cha)體(ti)(ti)系(xi)(xi),及時(shi)發現風(feng)(feng)(feng)險(xian)(xian)(xian)隱患,努力防(fang)(fang)范和化(hua)解(jie)風(feng)(feng)(feng)險(xian)(xian)(xian)。五(wu)是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)文化(hua)體(ti)(ti)系(xi)(xi),建(jian)(jian)(jian)設(she)獨具(ju)特色的(de)(de)企業(ye)(ye)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)文化(hua)。通過開(kai)展(zhan)形式多樣的(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)文化(hua)活動,激發員工開(kai)展(zhan)風(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)(li)工作(zuo)的(de)(de)熱情,不斷(duan)提(ti)高風(feng)(feng)(feng)險(xian)(xian)(xian)識別能(neng)力。六是(shi)構(gou)(gou)(gou)建(jian)(jian)(jian)人才(cai)管(guan)(guan)(guan)理(li)(li)(li)體(ti)(ti)系(xi)(xi),著力打造一(yi)支(zhi)高素質金融(rong)(rong)團(tuan)隊(dui),通過提(ti)高人員素質和業(ye)(ye)務(wu)(wu)能(neng)力來防(fang)(fang)范能(neng)力風(feng)(feng)(feng)險(xian)(xian)(xian),嚴格把(ba)好“進(jin)人關(guan)”、“選人關(guan)”、“育人關(guan)”、“用(yong)人關(guan)”、“留人關(guan)”,為金融(rong)(rong)集團(tuan)實(shi)現綜(zong)合經營和跨越發展(zhan)提(ti)供有(you)力的(de)(de)人才(cai)支(zhi)撐。