I 摘要 作为银行基础性风险管理工作之一的合规风险管理已成为现代商业银行管理的重 要环节。银行为国家经济基石，在经济中发挥着多方面的重要作用，银行合规风险在目 前新常态银行发展中尤为重要，有效的合规风险管理体系建设不仅能够为银行带来长远 发展，同时对于稳定国家金融体系、维护国家金融安全具有重要的实践意义。 本文总结了GG商业银行合规风险管理的现状，GG商业银行合规风险管理存在的 突出问题，运用定性与定量分析方法对GG商业银行合规风险管理的现状与突出问题进 行了深入的分析，对加强合规风险管理的必要性、对GG商业银行合规风险管理的管理 方式与措施进行了深度的分析与研究，同时结合当前现状提出了GG商业银行合规风险 管理体系的建设方案：在保持现有合规管理的基础上，完善合规风险管理的组织架构； 建立合规政策与培训教育机制；对合规管理的流程进行重塑。GG商业银行在未来的发 展中必须以国家的相关法律法规为基准，不断地学习与提升自身的管理水准，使银行的 日常管理及行为符合相关的规则与准则，避免出现违规行为，避免由于管理存在的漏洞 而遭受相关的处罚与制裁。GG商业银行应当合规，持续合规，有效合规，在最大的合 规限度上实现自身的持续经营与发展。 关键词：GG商业银行 全面风险管理 合规风险管理 Abstract II Abstract As one of the basic risk management of banks, compliance risk management has become an important part of modern commercial bank management. Banks are the cornerstone of the national economy and play an important role in many aspects of the economy. The compliance risk of banks is particularly important in the development of the new normal banks. The construction of effective compliance risk management system can not only bring long-term development for banks, but also have important practical significance for stabilizing national financial system and maintaining national financial security. This paper summarizes the status quo of compliance risk management of GG commercial banks, and the outstanding problems in compliance risk management of GG commercial banks This paper analyzes the current situation and prominent problems of compliance risk management in GG commercial banks by using qualitative and Quantitative analysis methods The necessity of strengthening compliance risk management, the management methods and measures of compliance risk management of GG commercial bank are analyzed and studied in depth At the same time, according to the current situation, this paper puts forward the construction scheme of GG Commercial Bank's compliance risk management system: on the basis of keeping the existing compliance management, perfecting the organization structure of compliance risk management, establishing compliance policy and Training and education mechanism; Re-engineering the compliance management process. In the future development of GG commercial banks, they must take the relevant laws and regulations of the country as the benchmark, and constantly study and improve their management level, so that the daily management and behavior of the banks comply with the relevant rules and standards To avoid the occurrence of violations, management loopholes and avoid the relevant penalties and sanctions. GG commercial banks should comply with, continue to comply with, effective compliance, in the largest extent of compliance to achieve their own sustainable business and development. Key words: GG Commercial Bank, Comprehensive Risk Management, Compliance Risk Management 目 录 III 目 录 摘要 .........................................................................................................................................I ABSTRACT .............................................................................................................................. II 1 绪论 ........................................................................................................................................ 1 1.1 研究背景及意义 .......................................................................................................... 1 1.1.1 研究背景 ............................................................................................................ 1 1.1.2 研究意义 ............................................................................................................ 2 1.1.3 研究目的 ............................................................................................................ 3 1.2 研究主要内容及方法 .................................................................................................. 4 1.2.1 研究内容 ............................................................................................................ 4 1.2.2 研究方法 ............................................................................................................ 4 1.3 研究的创新点 .............................................................................................................. 5 2 理论基础及文献综述 ............................................................................................................ 6 2.1 全面风险管理 .............................................................................................................. 6 2.2 公司治理 ...................................................................................................................... 7 2.3 国内外文献综述 .......................................................................................................... 8 2.3.1 国外文献综述 .................................................................................................... 8 2.3.2 国内文献综述 .................................................................................................. 10 3 商业银行合规风险管理的发展 .......................................................................................... 12 3.1 商业银行合规风险管理的起源和发展 .................................................................... 12 3.1.1 商业银行合规风险管理的概念界定 .............................................................. 12 3.1.2 商业银行合规风险管理的起源 ...................................................................... 12 3.1.3 商业银行合规风险管理的发展 ...................................................................... 13 3.2 国外合规风险管理的历史演变 ................................................................................ 13 3.3 我国合规风险管理监管的发展 ................................................................................ 16 4 GG商业银行合规风险管理现状 ........................................................................................ 18 4.1 GG商业银行概述 ...................................................................................................... 18 4.2 GG商业银行合规风险管理存在的突出问题 .......................................................... 18 4.2.1 合规部门设立方式不具备科学性 .................................................................. 18 4.2.2 合规绩效考核指标设置不合理 ...................................................................... 20 4.2.3 激励约束机制易引发合规风险 ...................................................................... 24 4.3 加强合规风险管理的必要性 .................................................................................... 24 5 构建GG商业银行合规风险管理体系的对策建议 .......................................................... 26 5.1 合规管理组织架构与长效机制的建立 .................................................................... 26 GG商业银行合规风险管理优化研究 IV 5.1.1 合规管理组织架构 .......................................................................................... 26 5.1.2 合规管理部门的设立 ...................................................................................... 27 5.1.3 合规风险管理长效机制 .................................................................................. 28 5.2 建立合规政策与培训教育机制 ................................................................................ 29 5.2.1 制定合规政策 .................................................................................................. 29 5.2.2 建立培训教育机制 ............................................................................