随着因违规造成银行业损失的日益增多，国内外银行业逐步认识到合规风险 管理的重要性，与国外商业银行相比，我国银行业合规风险管理的形势和目标更 加严峻。在我国，合规风险管理部门的独立性实施较晚，对商业银行合规风险管 理的研究在逐步完善的过程中仍然是一个新的领域。国外商业银行合规风险管理 部门的独立组织结构比较完善，整个制度性合规风险体系的构建也比较成熟和完 善，国外学者关注的是银行业合规风险管理所创造的最大价值。国内学者对合规 风险管理的概念和内涵、合规风险管理中存在的问题、商业银行的组织建设、消 费者权益保护和社会责任等方面进行了研究。但是，这些观点和方法大多只是形 式上的，或者只是从一定程度上讲，对整个系统的研究还比较缺乏，对合规风险 的度量也缺乏技术手段。所以如何将这些理论应用到商业银行的日常合规管理 中，还需要进一步深入的研究和实践，这也是本文的研究意义。本文以中信银行 长沙分行为例，对中信银行长沙分行在各项风险管理方面的成就以及突出的问题 予以研究，对近年来中信银行长沙分行在合规风险管理上的案例分析问题原因， 最后给出解决上述相关问题的优化建议。同时也希望能够对以中信银行为代表的 股份制商业银行在风险管理方面给予更多的启示和借鉴意义。 本文首先简要的介绍了本文的选题背景，并提出了研究思路和研究方法。其 次，从合规风险管理的相关概念入手，分析了合规风险管理理论，公司治理理论 和内部控制理论以及合规风险与三大风险之间的区别于联系。研究结果的分析对 商业银行的合规风险管理有了更进一步的理解。在此基础上，以中信银行长沙分 行为例，从其指导思想和原则，组织机构设置，以及其合规风险管理方面取得的 成果等分析了长沙分行合规风险管理的现状，并通过相关风险案例总结出主要问 题和原因。同时结合长沙分行的实际情况，提出了改进和优化的建议，主要包括 加强合规风险管理制度科学化管理、完善合规风险管理绩效考核机制、严格落实 合规风险管理监督检查、加快合规风险管理信息化建设、强化合规风险管理“三 道防线”职能以及建立具有分行特色的合规文化。最后可以得出结论，合规风险 管理是一个动态的管理过程，需要在相关资源保障的前提下，在一定思想指导下， 使其，在经营过程中完成主动合规，从而有效地促进商业银行可持续发展。 关键词：合规，合规风险管理，商业银行，中信银行 II Abstract Withtheincreasinglossofbankingindustrycausedbyviolationofregulations, thedomesticandforeignbankingindustrygraduallyrealizedtheimportanceof complianceriskmanagementparedwithforeigncommercialbanks,thesituation andgoalofcomplianceriskmanagementinChina'sbankingindustryismoresevere.In China,theindependenceofcomplianceriskmanagementdepartmentisimplemented late,andtheresearchoncomplianceriskmanagementofcommercialbanksisstilla newfieldintheprocessofgradualimprovement.Theindependentorganizational structureofcomplianceriskmanagementdepartmentofforeigncommercialbanksis relativelyperfect,andtheconstructionofthewholesystemcompliancerisksystemis relativelymatureandperfect.Foreignscholarsfocusonthemaximumvaluecreatedby complianceriskmanagementofbankingindustry.Domesticscholarshavestudiedthe conceptandconnotationofcomplianceriskmanagement,problemsexistingin complianceriskmanagement,organizationconstructionofcommercialbanks, protectionofconsumers'rightsandinterestsandsocialresponsibility.However,most oftheseviewsandmethodsareonlyformal,oronlytoacertainextent,theresearchon thewholesystemisrelativelylacking,andthemeasurementofcomplianceriskisalso lackoftechnicalmeans.Sohowtoapplythesetheoriestothedailycompliance managementofcommercialbanksneedsfurtherresearchandpractice,whichisalsothe significanceofthispaper.TakingCITICBankChangshabranchasanexample,this paperstudiestheachievementsandoutstandingproblemsofCITICBankChangsha branchinvariousaspectsofriskmanagement,analyzesthecausesofproblemsin complianceriskmanagementofCITICBankChangshabranchinrecentyears,and finallygivesoptimizationsuggestionstosolvetheaboveproblems.Atthesametime,I hopetogivemoreenlightenmentandreferencetothejoint-stockcommercialbanks representedbyCITICBankinriskmanagement. Firstofall,thispaperbrieflyintroducesthebackgroundofthistopic,andputs forwardresearchideasandresearchmethods.Secondly,startingfromtherelevant conceptsofcomplianceriskmanagement,thispaperanalyzesthecompliancerisk managementtheory,corporategovernancetheoryandinternalcontroltheory,aswellas thedifferencesandconnectionsbetweencomplianceriskandthethreemajorrisks.The analysisoftheresearchresultshasafurtherunderstandingofthecompliancerisk III managementofcommercialbanks.Onthisbasis,TakingCITICBankChangshabranch asanexample,thispaperanalyzesthecurrentsituationofcomplianceriskmanagement ofChangshabranchfromitsguidingideologyandprinciples,organizationalstructure, aswellasitsachievementsincomplianceriskmanagement,andsummarizesthemain problemsandreasonsthroughrelevantriskcases.Atthesametime,combinedwiththe actualsituationofChangshabranch,itputsforwardsuggestionsforimprovementand optimization,mainlyincludingstrengtheningthescientificmanagementofcompliance riskmanagementsystem,improvingtheperformanceappraisalmechanismof complianceriskmanagement,strictlyimplementingthesupervisionandinspectionof complianceriskmanagement,speedinguptheinformationconstructionofcompliance riskmanagement,strengtheningthe"threelinesofdefense"functionofcompliance riskmanagementandestablishingthebranchcharacteristicsComplianceculture. Finally,itcanbeconcludedthatcomplianceriskmanagementisadynamic managementprocess,whichneedstobeunderthepremiseofrelevantresources guarantee,undertheguidanceofcertainideas,toachieveactivecomplianceinthe businessprocess,soastoeffectivelypromotethesustainabledevelopmentof commercialbanks. KEYWORDS:Compliance,riskmanagement,commercialbank,CITIC IV 目录 摘要................................................................................................................................I Abstract........................................................................................................................II 第1章绪论..................................................................................................................1 1.1选题背景及意义..................................................................................................1 1.1.1选题背景.......................................................................................................1 1.1.2选题意义.......................................................................................................2 1.2国内外研究现状..................................................................................................3 1.2.1国外研究现状...............................................................................................3 1.2.2国内研究现状...............................................................................................5 1.2.3述评...............................................................................................................7 1.3研究思路和方法..................................................................................................8 1.3.1研究思路.......................................................................................................8 1.3.2研究方法.......................................................................................................8 1.3.3创新与不足...................................................................................................9 第2章商业银行合规风险管理理论概述................................................................11 2.1商业银行合规风险管理的相关概念................................................................11 2.1.1商业银行合规的定义界定.........................................................................11 2.1.2商业银行合规风险的定义界定.................................................................11 2.1.3商业银行合规风险管理的概念与内涵.....................................................12 2.2相关理论起源....................................................................................................13 2.2.1全面风险管理理论.....................................................................................12 2.2.2公司治理理论.............................................................................................12 2.2.3内部控制理论.................................................................................