AdministrativeControls RiskManagement行政管理 风险管理 FederalReserveSystem 1 AdministrativeControls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 2 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 3 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DrugPolicyPenaltiesforNon compliance违规处罚 MinimumCodeofEthics基本道德规范 4 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 5 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 6 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 7 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 8 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 9 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 10 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 11 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 12 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 13 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 14 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 15 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 16 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 17