针对上述问题，本文提出以下建议：一是构建协同高效的内控机制。加强部门间协作配合，完善内控工 作机制，明确工作责任，强化信息共享，形成全行合规管理合力。二是深化合规文化建设。持续加强合 规教育和业务培训，创新教育方式，提升员工合规意识和制度执行力，推动合规理念深入人心。三是强 化员工行为管理。创新排查手段，提升排查质效，重点关注员工经商办企业、民间借贷等异常行为，织 密风险防控网。四是完善网格化管理机制。落实网格长履职责任，常态化开展谈心谈话、家访等活动， 及时掌握员工思想动态，做好风险预警和干预。五是加大责任追究力度。保持高压态势，严肃查处违规 行为，发挥"问责利器"的警示作用，倒逼合规意识提升和制度执行到位。合规管理是一项系统工程，需 要全行上下共同努力，久久为功。通过持续完善内控机制、深化合规文化、强化行为管理，不断提升合 规管理水平，为业务稳健发展提供坚实保障。（作者单位：农行南京江北新区分行） 近年来，银行合规风险管理体系建设取得了一定成效，内控机制逐步完善，案件风险得到有效遏制。但 随着业务发展和外部环境变化，合规管理面临的挑战依然严峻，本文对如何加强合规风险管理进行深入 思考，并提出合理建议。 风 ...

Core Viewpoint - The People's Bank of China, Jilin Branch, has imposed a fine of 594,900 yuan on Bohai Bank's Changchun branch for multiple violations, including account management and customer identification regulations [2][3]. Summary by Category Regulatory Violations - Bohai Bank's Changchun branch was penalized for four main violations: 1. Violating account management regulations 2. Violating credit information collection, provision, and inquiry regulations 3. Failing to fulfill customer identity verification obligations 4. Failing to meet cybersecurity protection obligations as a network operator [3][4]. Penalties - The total fine imposed on Bohai Bank's Changchun branch is 594,900 yuan, along with warnings issued [3][4]. - Two responsible individuals were also fined: - Lu Mouyu, the Deputy General Manager of the Consumer Finance Center, was fined 10,000 yuan - Liu Mouhang, the head of the Changchun branch's business department, was fined 23,900 yuan [3][4]. Overall Compliance Issues - In 2023, Bohai Bank has received a total of 10 fines amounting to 5.663 million yuan, with various branches involved, including those in Taiyuan, Nanning, Hefei, Changsha, Ningbo, Jinan, Dezhou, and Suzhou [6][7]. - The fines are generally below 1 million yuan, with common violations including account management and credit management issues [7].

Core Viewpoint - The insurance industry is facing significant regulatory scrutiny, highlighted by a substantial fine imposed on Zijin Property Insurance's Luoyang branch for multiple violations, indicating a pressing need for compliance and governance improvements within the company [1][4][5]. Group 1: Regulatory Actions and Compliance - Zijin Insurance's Luoyang branch was fined a total of 1.15 million yuan for three violations, which is notable as such large fines are uncommon in the insurance sector [1][4]. - The violations included the preparation of false reports and documents, improper use of approved insurance terms and rates, and fabricating intermediary business to extract fees [4][5]. - The company has initiated corrective measures in response to regulatory feedback, focusing on enhancing branch management and integrating compliance metrics into performance assessments [3][10]. Group 2: Financial Performance - Zijin Insurance reported a premium income of 12.831 billion yuan in 2024, reflecting a year-on-year growth of 10.56%, and a net profit of 483 million yuan, which is a remarkable increase of 110% [7]. - The company's comprehensive cost ratio was reported at 100.70% for 2024, indicating that premium income barely covered expenses, which poses a risk of underwriting losses [8]. Group 3: Management Changes and Future Strategy - The company is undergoing significant management changes, with a new temporary leader appointed to oversee operations following the departure of the previous general manager [9]. - Zijin Insurance aims to double its business revenue to over 20 billion yuan by 2029, with a focus on enhancing its competitive position within the industry [9][10]. - The company is also committed to improving its governance structure and compliance mechanisms to prevent future violations and enhance operational efficiency [11].

Core Viewpoint - The company is enhancing compliance risk management through a comprehensive approach that includes risk identification, prevention, and response strategies. Group 1: Compliance Risk Identification - The company focuses on identifying risks related to legal regulations by updating the list of applicable laws and regulations relevant to its operations [1] - It emphasizes the importance of management requirements by promptly analyzing compliance risk notifications and recommendations from higher authorities [1] - The company systematically addresses issues identified through internal controls, audits, and inspections to prevent recurrence of similar problems [1] Group 2: Compliance Risk Prevention - The company has developed compliance risk notification letters that detail risk points, potential consequences, and suggested preventive measures, which are disseminated for timely adjustments [2] - It organizes specialized meetings to analyze typical compliance issues, providing a platform for discussing causes and formulating corrective actions [2] - The company integrates compliance risk notifications into all business processes and compliance reviews, ensuring that compliance is a constant consideration [2] Group 3: Compliance Risk Response - The company is strengthening its foundation by enhancing institutional frameworks and conducting compliance evaluations to fill management gaps [3] - It promotes learning from past violations by compiling a manual of violation cases for staff education, thereby improving risk recognition and prevention capabilities [3] - The company implements comprehensive management practices to monitor key control points in business processes and conducts quarterly assessments of major risks [3]