Grade A: major risk, red risk, assessed as unacceptable risk. Control documents must be established and controlled by enterprises. It must be rectified immediately, and the operation cannot be continued. Only by reducing the risk of registration can you start or continue to work.
Grade B: high risk/orange risk, assessed as high risk. It is necessary to establish control files and formulate control management measures, which shall be controlled by the safety authorities and functional departments of the enterprise according to their respective responsibilities.
Grade C: general risk/yellow risk, assessed as high risk. The workshop is responsible for control, and the safety management department of the company (factory) is responsible for supervision and implementation.
Grade D: low risk/blue risk, assessed as mild allowable. The team is responsible for the control, and the workshop is responsible for supervising the implementation.
Extended data
Commercial banks should gradually establish an effective risk control system, including establishing and perfecting an asset-liability management system with comprehensive risk control as the goal, authorizing credit, separating loan from audit, post operation and responsibility restraint system with local risk control as the connotation, risk management system with risk control and evaluation as the core and guarantee system with risk transformation as the content.
In terms of loan increment and stock assessment, we must first adhere to the system of the first person responsible for the loan, that is, whoever puts the loan will receive it. In terms of stock, we should not only pay close attention to monitoring the liquidity ratio of loans, but also divide the responsibilities of those risk loans that are about to form or have already formed, and link the risk amount formed in the process of loan increment and stock flow with the salary and bonus of the person in charge for regular assessment.
Through perfect rules and regulations, all business departments can check and supervise each other, which should not only give business departments the power they deserve, but also prevent power from being too concentrated in a certain department.
The main indicator for evaluating the performance of risk control officers is of course the asset quality of banks, which is composed of scattered single asset business. Therefore, the overall asset quality and individual loan quality of the whole bank should be clearly recorded. Banks should encourage risk control personnel, who have always been strict in risk control and accurate in scale.
If, after auditing and investigation, it is found that the market developers or risk control personnel have intentional negligence in the loan operation, they should be punished according to the seriousness of the case.
Sogou encyclopedia-risk management and control