文(wen)章來源：廣西國(guo)資委 發布時(shi)間：2014-03-07
近年來，廣西金融投(tou)資(zi)集(ji)團堅(jian)持業(ye)務(wu)發(fa)展(zhan)(zhan)與風(feng)險(xian)防范并重的發(fa)展(zhan)(zhan)理念，風(feng)險(xian)防控扎實有效。各項投(tou)資(zi)不(bu)良率為0，擔保貸(dai)款、搭橋貸(dai)款不(bu)良率僅(jin)為0.49%，整體損失率控制在0.0058%以內，相關指標(biao)遠低于國家規(gui)定的相關標(biao)準，實現了(le)風(feng)險(xian)防范前(qian)提下的快(kuai)速穩健(jian)發(fa)展(zhan)(zhan)。
金(jin)融(rong)(rong)集(ji)團(tuan)(tuan)全面加強風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)的(de)(de)主要(yao)做法是(shi)：一是(shi)構(gou)建企業(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，形成科學(xue)高(gao)效(xiao)的(de)(de)企業(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)架構(gou)。按(an)照“完整性(xing)、系(xi)(xi)(xi)統(tong)(tong)性(xing)、科學(xue)性(xing)、超(chao)前性(xing)和(he)(he)(he)(he)有(you)效(xiao)性(xing)”原則進(jin)(jin)行風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)機構(gou)和(he)(he)(he)(he)體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)建設(she)，合理(li)(li)(li)(li)(li)設(she)置管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)機構(gou)和(he)(he)(he)(he)職能部門。二是(shi)構(gou)建風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)規章制(zhi)度(du)(du)(du)體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，堅持以制(zhi)度(du)(du)(du)管(guan)(guan)(guan)(guan)人(ren)(ren)(ren)、管(guan)(guan)(guan)(guan)事、管(guan)(guan)(guan)(guan)風(feng)(feng)險(xian)(xian)(xian)(xian)，以經(jing)營風(feng)(feng)險(xian)(xian)(xian)(xian)防(fang)(fang)范(fan)(fan)為(wei)主線，建立覆蓋經(jing)營決策、經(jing)營過程和(he)(he)(he)(he)事后監(jian)督等經(jing)營管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)全過程的(de)(de)內控制(zhi)度(du)(du)(du)。三是(shi)構(gou)建經(jing)營考核與責任追究體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，防(fang)(fang)范(fan)(fan)操作風(feng)(feng)險(xian)(xian)(xian)(xian)和(he)(he)(he)(he)道(dao)德風(feng)(feng)險(xian)(xian)(xian)(xian)。通(tong)過制(zhi)定一系(xi)(xi)(xi)列(lie)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)考核辦(ban)法，強化全員(yuan)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)意識，提(ti)(ti)高(gao)企業(ye)(ye)全面風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)成效(xiao)。四(si)是(shi)構(gou)建監(jian)督檢(jian)查體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，努力(li)防(fang)(fang)范(fan)(fan)和(he)(he)(he)(he)化解(jie)系(xi)(xi)(xi)統(tong)(tong)性(xing)風(feng)(feng)險(xian)(xian)(xian)(xian)。構(gou)建公開監(jian)督、日常(chang)檢(jian)查、專(zhuan)項抽查等相結合的(de)(de)業(ye)(ye)務(wu)監(jian)督檢(jian)查體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，及時發(fa)現風(feng)(feng)險(xian)(xian)(xian)(xian)隱(yin)患，努力(li)防(fang)(fang)范(fan)(fan)和(he)(he)(he)(he)化解(jie)風(feng)(feng)險(xian)(xian)(xian)(xian)。五是(shi)構(gou)建風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)文化體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，建設(she)獨具特色的(de)(de)企業(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)文化。通(tong)過開展(zhan)(zhan)形式多樣(yang)的(de)(de)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)文化活(huo)動(dong)，激發(fa)員(yuan)工開展(zhan)(zhan)風(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)工作的(de)(de)熱情(qing)，不斷提(ti)(ti)高(gao)風(feng)(feng)險(xian)(xian)(xian)(xian)識別能力(li)。六是(shi)構(gou)建人(ren)(ren)(ren)才管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)體(ti)(ti)(ti)(ti)(ti)系(xi)(xi)(xi)，著力(li)打(da)造一支高(gao)素質金(jin)融(rong)(rong)團(tuan)(tuan)隊，通(tong)過提(ti)(ti)高(gao)人(ren)(ren)(ren)員(yuan)素質和(he)(he)(he)(he)業(ye)(ye)務(wu)能力(li)來(lai)防(fang)(fang)范(fan)(fan)能力(li)風(feng)(feng)險(xian)(xian)(xian)(xian)，嚴格把好“進(jin)(jin)人(ren)(ren)(ren)關(guan)”、“選人(ren)(ren)(ren)關(guan)”、“育(yu)人(ren)(ren)(ren)關(guan)”、“用人(ren)(ren)(ren)關(guan)”、“留人(ren)(ren)(ren)關(guan)”，為(wei)金(jin)融(rong)(rong)集(ji)團(tuan)(tuan)實現綜合經(jing)營和(he)(he)(he)(he)跨越發(fa)展(zhan)(zhan)提(ti)(ti)供(gong)有(you)力(li)的(de)(de)人(ren)(ren)(ren)才支撐。