Jiang Nan Shi Bao·2025-08-22 07:07Core Viewpoint - The article discusses the challenges faced by compliance risk management in banks and offers suggestions for improvement, emphasizing the need for a more robust compliance culture and effective internal control mechanisms [1][2]. Group 1: Challenges in Compliance Risk Management - Employee behavior management has weak links, with a need for improved sensitivity, depth, and breadth in daily behavior checks, and a lack of comprehensive monitoring methods [1]. - The compliance concept has not been fully internalized, leading to ongoing violations and indicating a need for more effective and continuous compliance education [1]. - The compliance culture is not fully established, with a gap between the required proactive problem identification and the actual employee behavior [1]. - There is a need to balance compliance operations with business development, as some employees prioritize business growth over compliance, resulting in repeated violations [1]. Group 2: Suggestions for Improvement - Establish a collaborative and efficient internal control mechanism by enhancing inter-departmental cooperation, clarifying responsibilities, and strengthening information sharing [2]. - Deepen compliance culture by continuously enhancing compliance education and training, innovating educational methods, and improving employee awareness and adherence to regulations [2]. - Strengthen employee behavior management by innovating monitoring methods and focusing on unusual behaviors such as private business dealings and informal lending [2]. - Improve grid management mechanisms by ensuring accountability among grid leaders and regularly engaging with employees to understand their concerns and provide risk warnings [2]. - Increase accountability measures by maintaining a strict stance against violations, thereby enhancing compliance awareness and adherence to regulations [2].