近年来，合规风险逐渐成为除信用风险、市场风险和操作风险之外的我国商业银 行面临的重要风险。随着《商业银行合规风险管理指引》的发布, 合规风险管理更引 起了国内银行业的广泛关注。中国邮政储蓄银行自 2006 年 12 月 31 日成立以来，就 非常重视风险管理，在成立之初单独成立风险合规部门，加强风险管理和防控，目前 在操作风险管理方面已取得了初步成效。但邮政企业下辖的代理金融条线，因专业化 程度低、人员素质不高，距离全面、有效的风险防控体制的形成还有很长的一段路要 走。该文从 J 市邮政公司合规风险管理的角度对邮政储蓄代理金融的风险管理进行了 探讨研究。 本文主要内容如下：首先，介绍的是论文的选题背景和意义、论文研究的内容及 研究方法。其次，对概念界定与基本理论进行阐述，分析了银行合规风险及银行柜面 业务操作风险的基本概念，对操作风险管理理论进行理解，成为本文研究理论的重要 参考依据。第三，对 J 市分公司代理金融业务合规风险管理的现状与调查分析。这一 部分着重对 J 市分公司代理金融业务合规风险进行介绍，包括 J 市分公司代理金融发 展历程、现状、存在问题与 J 市分公司代理金融合规借助的科技手段进行描述。第四， 对 J 市分公司代理金融业务合规风险的问题与原因分析，主要从五个方面探究 J 市分 公司出现的代理金融业务合规风险管理的问题与原因。第五，对 J 市分公司代理金融 业务合规风险管理的对策建议。运用包括通过培育合规风险管理文化建设，合规风险 管理体制建设，合规风险管理信息系统建设，助力代理金融业务合规风险管理优化的 进程。第六，分析本文的结论与展望，总结了本文主要的研究成果，对研究中未能完 全涵盖的部分，提出今后需要深入探究的方向。 关键词：合规风险；代理金融业务；邮政储蓄I ABSTRACT In recent years, compliance risk has gradually become an important risk faced by Chinese commercial Banks in addition to credit risk, market risk and operational risk. With the release of the guidelines on compliance risk management of commercial Banks, compliance risk management has attracted extensive attention of domestic banking industry. Since its establishment on December 31, 2006, China postal savings bank has attached great importance to risk management. At the beginning of its establishment, it set up a risk compliance department separately to strengthen risk management and prevention and control. However, the agency finance line under postal enterprises is still a long way from the formation of comprehensive and effective risk prevention and control system due to the low degree of professionalism and low quality of personnel. This paper discusses and studies the risk management of agency finance of postal savings from the perspective of compliance risk management of J post company. The main content of this paper is as follows: first, the background and significance of the topic, the content and research methods of the paper are introduced. Secondly, it expounds the concept definition and basic theory, analyzes the basic concepts of bank compliance risk and bank counter business operation risk, and interprets the theory of operational risk management, which becomes an important reference basis for this study. Thirdly, the status quo and investigation analysis of financial compliance risk management of the branch company in J city. This part mainly introduces the agency financial compliance risk of J city branch, including the development history, current situation, existing problems of the agency finance of J city branch and the description of the scientific and technological means of the agency financial compliance of J city branch. Fourthly, this paper analyzes the problems and causes of acting financial compliance risk in J city branch and probes into the problems and causes of acting financial compliance risk management in J city branch from five aspects. Fifth, countermeasures and Suggestions for acting financial compliance risk management of J branch. The application includes the development of compliance risk management culture, compliance risk management system and compliance risk management information system, to assist in the process of financial business compliance risk management optimization. Sixth, analyze the conclusion and prospect of this paper, summarize the main research results of this paper, and put forward the direction for further exploration in the future for the part not fullyII covered in the research. Key Words: compliance risk; Acting finance; The postal savings1 目 录 第一章 绪论...........................................................................................1 第一节 研究背景与研究意义...........................................................................1 一、研究背景...............................................................................................1 二、研究意义...............................................................................................2 第二节 国内外研究现状...................................................................................3 一、国内研究现状.......................................................................................3 二、国外研究现状.......................................................................................4 三、国内外研究述评...................................................................................5 第三节 研究思路和方法...................................................................................6 一、研究思路及主要内容...........................................................................6 二、研究方法...............................................................................................6 第二章 相关概念界定与理论基础.......................................................7 第一节 商业银行合规的含义与特征...............................................................7 一、合规的含义...........................................................................................7 二、商业银行合规的内涵...........................................................................8 第二节 商业银行合规风险与其他相关类型风险的关系...............................9 一、合规风险的定义...................................................................................9 二、商业银行合规风险与操作风险...........................................................9 三、商业银行合规风险与法律风险.........................................................11 四、商业银行合规风险与声誉风险.........................................................11 五、商业银行合规风险与全面风险的关系.............................................12 第三节 商业银行合规风险管理的理论基础...................................................13 一、公司治理理论.....................................................................................13 二、内部控制理论.....................................................................................14 三、全面风险管理理论.............................................................................15 四、流程银行理论.....................................................................................152 第三章 J 市分公司代理金融业务合规风险管理现状分析..............16 第一节 J 市分公司概况.................................................................................. 16 第二节 J 市分公司代理金融业务合规风险管理现状调查分析.................. 17 一、问卷设计............................................................................................. 17 二、调查问卷的回收和统计..................................................................... 18 三、问卷信度与效度分析......................................................................... 18 四、问卷调查结果分析............................................................................. 20 第四章 J 市分公司代理金融业务合规风险管理存在问题及原因分 析.....................................................................................................................24 第一节 合规风险管理文化理念尚不成熟..................................................... 24 第二节 合规风险管理组织架构不健全......................................................... 24 第三节 合规风险管理制度建设存在缺陷..................................................... 25 第四节 合规风险管理缺少事前事中控制....................................................... 26 第五节 合规风险管理考评体系不合理........................................................... 26 第五章 J 市分公司代理金融业务合规风险管理的对策建议..........27 第一节 培育良好的合规文化......................................................................... 27 一、营造良好的合规文化环境................................................................. 27 二、倡导成熟的合规风险管理理念......................................................... 27 第二节 建立稳健高效的组织架构................................................................. 27 一、保证合规部门人员的相对独立性..................................................... 27 二、完善风险合规管理部门架构............................................................. 28 第三节 加强制度建设保障合规风险管理落实............................................... 28 一、强化制度建设..................................................................................... 28 二、促进制度落实..................................................................................... 29 第四节 构建代理金融业务合规风险管理全流程体系................................... 29 一、合规风险管理日常监测及风险识别................................................. 29 二、构建代理金融业务合规风险管理能力考评体系............................. 31 第五节 优化合规风险管理技术方法............................................................... 313 一、构建合规风险点内部信息库.............................................................31 二、应用计算机信息系统管理合规风险.................................................31 第六章 研究结论与展望.......................................................................33 第一节 研究结论...............................................................................................33 第二节 研究不足和展望...................................................................................33