行政管理风险管理

AdministrativeControls/RiskManagement行政管理/风险管理FederalReserveSystemAdministrativeControls行政管理HumanResources人力资源:•InternalControls内部控制•CodeofEthics道德规范•Postedandreadbyemployees事先张贴并让员工了解•Signedbyemployee员工签署RiskManagement风险管理:•RelationshipbetweenInsuranceandRiskManagement保险与风险管理的关系MinimumCodeofEthics基本道德规范Formallywrittenandacknowledged正式书面文件并得到公认Employeecanunderstandtheexpectationsofthebank员工了解银行的期望•Safeguardingconfidentialinformation保护机密信息•Restrictionsonoutsideactivities外部活动限制•Financialresponsibility支付能力•Promptpaymentofobligations债务的立即付款•Levelofdebttoproposedsalary债务与工资水平比AcceptanceofGifts接受礼品ConflictsofInterest利益冲突•Financial财务方面•Dealingwithcustomersorvendors,etc.处理与客户、卖者等的关系DrugPolicyPenaltiesforNon-compliance违规处罚MinimumCodeofEthics基本道德规范HumanResources-InternalControlIssues人力资源：内部控制问题HiringandPre-employmentScreening招聘与录用前审查Training培训DetailedJobDescriptions详细的岗位说明EmployeePerformanceandEvaluation员工绩效考核与测评Pre-EmploymentScreening录用前审查Evaluatetheriskinherentinthepositionandcheckaccordingly评估岗位的内在风险，并进行相应审查Verifyreferences&prioremployers向推荐人和前用人单位进行核实FingerprintChecks指纹检查Verifycredithistory调查信用记录Verifyexpatriatevisasonmanagement调查以前是否曾被开除Training培训Areemployeesadequatelytrainedandcross-trained?员工是否受到充分培训和并进行交叉培训？Dotheyunderstandtheirjobfunction?Andbackupfunction?员工是否了解其工作职能？以及辅助职能？Istrainingprovidedtoenhanceknowledge?培训是否提高了员工的知识水平？PersonnelRecords人事记录DetailedJobDescription详细的职位描述PerformanceReports业绩报告StatedVacationPolicy明确的休假政策WrittenPersonnelPolicies书面的人事政策CodeofEthicsReceivedandSignedbyallEmployees所有员工认可并签名的道德规范Risk&InsuranceManagement风险与保险管理Defensesagainstloss预防损失•InternalControls内部控制•Policies&Procedures方针与程序•EmergencyPreparedness应急准备•ContingencyPlanning应急规划•RecordsManagement记录管理•RiskIdentification&Analysis风险识别与分析PurposeofRiskManagement风险管理的目的PurposeofRiskManagement风险管理的目的MinimizeCostofPureRisk将纯粹风险成本降至最低Costisdefinedas成本定义为•Costoflosspreventionmeasures,plus预防损失采取的措施的成本，加•Insurancepremiums,plus保费，加•Lossesandexpensessustained,plus持续损失与支出，加•Administrativeexpenses,minus行政支出，减•Recoveriesfrom3rdparties第三方补偿OptionsforTreatingRisk应对风险的措施Implementadditionalcontrols实施额外控制Transfertherisktoanotherparty把风险转移给他人Self-Insure自保Discontinuetheactivity中止经营活动Combinationoftheabove综合采取上述措施Insurancewithamajorinsurer向大保险公司购买保险BasicTenetofRiskManagement风险管理的基本原则Potentialforsignificantorcatastrophiclossshouldnotberetainedifavoidable对于可能造成重大或灾难性损失的风险诱因，如可规避，就不要让其继续存在Conversely从反面说It’snotcostjustifiedtoinsurelosseswhicharenotsevereorpredictable----improvecontrols不严重的、可预计的损失的发生不是合理成本—加强控制BoardofDirectorsDetermines董事会决定Themaximumlossthebankisableorwillingtoassume银行能够或者愿意承担的最大损失…Theinsurancedeductible—扣除保费TypesofInsuranceCoverage保险类型FidelityBond忠实保险契约CombinationSafeDepository综合保险箱Directors&Officer’sLiability董事与负责人的责任FiduciaryInsuranceCoverage信托险MortgageErrors&Omissions抵押错误CashLetterInsurance现金运送险GeneralLiability一般责任险FireInsurance火险ExaminationObjectives检查目的Doriskmanagementpoliciesidentify,controlandmitigaterisks?风险管理方针是否能识别、控制并化解风险AreBoard’sguidelinesforretentionofriskreasonable?董事会关于保留风险的指引是否合理Issignificantorcatastrophiclosscovered?重大的或灾难性损失是否得到补偿Arerecord-keepingpracticesadequate?记录是否充分Istherecorrectiveactionwhencontrolsaredeficient?控制不完善时是否有整改措施Whattolookfor?应该关注的问题Isthereariskmanagerforriskcontrol?是否有专职风险管理官DoesinsurancecoverageconformtoBoard’sguidelines?保险范围与董事会指引是否一致Isinsurancescheduleandcoveragesufficient?保险安排与保险范围是否足够Havepolicieslapsed?Deductibles?保单是否作废，是否可扣除Arethereprocedurestoensure是否有程序确保•premiumsarepaidontime保费得到及时支付•reportsoflossesareproperlyfiled损失报告合理归档