1、many other precious cold water fish. Mineral resources, has proved many of the gold ore body, high grade, large reserves, reserves of more than 170 million tons of lignite, iron, vanadium and titanium magnetite reserves proven 6 million cubic meters, 40 million tons of quartz sand deposit reserves,
2、the rare. ) From the short plate, Woods continued industry weak, support is not strong, especially inadequate for processing, there are no resources to make good products, marketing is not enough, there are no good products sell for a good price. Livelihood weakness, my district is located in the bo
3、rder area, the climate is cold, for many years of the masses of workers have a hard life, and complete the building of forest societys weaknesses are mainly concentrated in the area of peoples livelihood, especially in terms of poverty, the task is still very arduous. From the perspective of short-t
4、erm capital, district financial situation at present tense, some financial debts to repay, is basically living money, no money for development, transformation “where did the money come from“ still outstanding. From the perspective of talent short Board, my talent shortage, low overall quality, irrat
5、ional structure, weak overseas talents into local serious brain-drain, especially high-end talents badly, has become the development of controlKey issues. If these short Board neither avoid nor overcome, not padded, transformation and development cannot be achieved in forest areas. Second, think cal
6、mly, calmly. A local economic development, strengths and weaknesses are dynamic and reciprocal transformation, there is no absolute advantages and disadvantages, advantages and disadvantages of nothing, as the time, place, and changes in external conditions, advantages could become disadvantages, di
7、sadvantages may also be to your advantage. For example, my good ecological environment, land development later, is the nations “most dare ring of green and organic food“, but these years are basically kind of traditional crops such as soybean, wheat, especially the heavy use of chemical fertilizers
8、and pesticides, the ecological advantages of agricultural development are being degraded. For example, ice and snow were our weaknesses, sought after now, with visitors to the snow and ice in the South, but the development of eco-tourism of gold and silver. For example, our region is located in the
9、border area, has been our weakness today as the country “along the way“, and “long Jiang Silk Road“ building farther forward, but is expected to be opened to the Russian frontier. (From XXs situation, while our railways, ports and other projects has not fought for, but with the “Mongolia-Russia econ
10、omic corridors“ 65 policy and steady growth benefits of further releases, provide opportunities for our projects, paving projects in the early County, in the “Thirteen-Five“ period will very likely get a specific implementation). Practice has proved that adversity is short or longshort and make up f
11、or long. Long and short, rational thought, keeping the force, we must deal with it calmly, neither keep advantages do not, missed opportunities, also faced short omissions, loss of confidence, we must correctly understand and handle the relationship between long and short, effective enhancement init
12、iative, to better promote the transformation and development. Three local conditions, homeopathy for. Foster strengths and circumvent weaknesses, short swagger grams, yangchangbuduan, have in common is that swagger, and avoid, g, fill each have a logical relationship. We must adhere to local conditi
13、ons and homeopathy for, full compliance with the rule of law, market economy and the laws of nature, all time, place and conditions for the transfer, targeted precision application policy. US weaknesses, is to play to strengths and avoid weaknesses. Like, in industry development Shang, prefectural p
14、roposed development “six big industry“, the County District Council must to relies on resources advantage, find associate industry positioning, put local most has competition advantage, and most has development potential of industry first do up, never can tandaqiuquan, and blind follow, and make wit
15、h quality of competition, for those obviously not for local development of industry to strongly avoid, cannot Shang of project never can took Hard on my forehead. We talk about swagger g short was to build strengths to overcome weaknesses. For example, on the adjustment of agricultural planting stru
16、cture, I just a little, short frost-free period and low temperature, with traditionally grown soybeans, wheat and other crops in low yields, poor quality, there is no advantage, it difficult for farmers to achieve sustainable incomes. Only guide the peasants to do organic, high-end, really good kind
17、 of good products, cold region and black Glebe ecological advantages and advantages play out, my area of agricultural development in order to find a way. Us yangchangbuduan, is to have to swallow some of the effects of transformation and development of the short Board. (Specific to the XX, we seize
18、the Korean black railway into the province, “along the way“ implementation opportunities, promoting the construction of railway projects along the River, in the “Thirteen-Five“ plan promoting the project, under construction. Pay special attention to provincial highway XX to nenjiang road tender call
19、 to sophisticated shops, the national highway from Dandong to Altay XX to 18 stations and commuter airport renovation and expansion work, promote XX infrastructure in Hong Kong, planned opening water transport channel, and construct “land, water and air“ transportation networks). Homeopathy for as l
20、ong as we are in line with local conditions, in the play “long“ fuss, in addressing the “short“ work on weaknesses, short swagger grams, yangchangbuduan, will be able to achieve the development goals. Second, focus on economic construction as the Center, pushing forward forest transition XI General
21、Secretary第二章 商业银行风险管理基本架构第一节 商业银行风险管理环境一、商业银行公司治理公司治理是指控制、管理机构的一种机制或制度安排。其核心是在所有权、经营权分离的情况下，为妥善解决委托代理关系而提出的董事会、高管层组织体系和监督制衡机制。良好的公司治理是商业银行有效管控风险，实现持续健康发展的基础，能够激励董事会和高级管理层一致地追求符合商业银行和股东利益的目标，以便于实施有效的监督。通过合理的制度设计、建立分工明确的组织体系、实现公司权力的分配和制衡、强化对董事会和管理层行为的约束等来不断改善商业银行公司治理，将有利于商业银行自上而下地实施全面风险管理，加强内部控制，防范操作风
22、险，增强核心竞争力，并实现安全运营。我国商业银行公司治理的要求，主要内容包括：（1）完善股东大会、董事会、监事会、高级管理层的议事制度和决策程序。（2）明确上述人员的权利义务。（3）建立、健全以监事会为核心的监督机制。（4）建立完善的信息报告和信息披露制度。（5）建立合理的薪酬制度，强化激励约束机制。二、商业银行内部控制（一）商业银行内部控制的定义和内涵1.定义：商业银行为实现经营目标，通过制定和实施一系列制度、程序和方法，对风险进行事前防范、事中控制、事后监控和纠正的动态过程和机制。many other precious cold water fish. Mineral resources,
23、 has proved many of the gold ore body, high grade, large reserves, reserves of more than 170 million tons of lignite, iron, vanadium and titanium magnetite reserves proven 6 million cubic meters, 40 million tons of quartz sand deposit reserves, the rare. ) From the short plate, Woods continued indus
24、try weak, support is not strong, especially inadequate for processing, there are no resources to make good products, marketing is not enough, there are no good products sell for a good price. Livelihood weakness, my district is located in the border area, the climate is cold, for many years of the m
25、asses of workers have a hard life, and complete the building of forest societys weaknesses are mainly concentrated in the area of peoples livelihood, especially in terms of poverty, the task is still very arduous. From the perspective of short-term capital, district financial situation at present te
26、nse, some financial debts to repay, is basically living money, no money for development, transformation “where did the money come from“ still outstanding. From the perspective of talent short Board, my talent shortage, low overall quality, irrational structure, weak overseas talents into local serio
27、us brain-drain, especially high-end talents badly, has become the development of controlKey issues. If these short Board neither avoid nor overcome, not padded, transformation and development cannot be achieved in forest areas. Second, think calmly, calmly. A local economic development, strengths an
28、d weaknesses are dynamic and reciprocal transformation, there is no absolute advantages and disadvantages, advantages and disadvantages of nothing, as the time, place, and changes in external conditions, advantages could become disadvantages, disadvantages may also be to your advantage. For example,
29、 my good ecological environment, land development later, is the nations “most dare ring of green and organic food“, but these years are basically kind of traditional crops such as soybean, wheat, especially the heavy use of chemical fertilizers and pesticides, the ecological advantages of agricultur
30、al development are being degraded. For example, ice and snow were our weaknesses, sought after now, with visitors to the snow and ice in the South, but the development of eco-tourism of gold and silver. For example, our region is located in the border area, has been our weakness today as the country
31、 “along the way“, and “long Jiang Silk Road“ building farther forward, but is expected to be opened to the Russian frontier. (From XXs situation, while our railways, ports and other projects has not fought for, but with the “Mongolia-Russia economic corridors“ 65 policy and steady growth benefits of
32、 further releases, provide opportunities for our projects, paving projects in the early County, in the “Thirteen-Five“ period will very likely get a specific implementation). Practice has proved that adversity is short or longshort and make up for long. Long and short, rational thought, keeping the
33、force, we must deal with it calmly, neither keep advantages do not, missed opportunities, also faced short omissions, loss of confidence, we must correctly understand and handle the relationship between long and short, effective enhancement initiative, to better promote the transformation and develo
34、pment. Three local conditions, homeopathy for. Foster strengths and circumvent weaknesses, short swagger grams, yangchangbuduan, have in common is that swagger, and avoid, g, fill each have a logical relationship. We must adhere to local conditions and homeopathy for, full compliance with the rule o
35、f law, market economy and the laws of nature, all time, place and conditions for the transfer, targeted precision application policy. US weaknesses, is to play to strengths and avoid weaknesses. Like, in industry development Shang, prefectural proposed development “six big industry“, the County Dist
36、rict Council must to relies on resources advantage, find associate industry positioning, put local most has competition advantage, and most has development potential of industry first do up, never can tandaqiuquan, and blind follow, and make with quality of competition, for those obviously not for l
37、ocal development of industry to strongly avoid, cannot Shang of project never can took Hard on my forehead. We talk about swagger g short was to build strengths to overcome weaknesses. For example, on the adjustment of agricultural planting structure, I just a little, short frost-free period and low
38、 temperature, with traditionally grown soybeans, wheat and other crops in low yields, poor quality, there is no advantage, it difficult for farmers to achieve sustainable incomes. Only guide the peasants to do organic, high-end, really good kind of good products, cold region and black Glebe ecologic
39、al advantages and advantages play out, my area of agricultural development in order to find a way. Us yangchangbuduan, is to have to swallow some of the effects of transformation and development of the short Board. (Specific to the XX, we seize the Korean black railway into the province, “along the
40、way“ implementation opportunities, promoting the construction of railway projects along the River, in the “Thirteen-Five“ plan promoting the project, under construction. Pay special attention to provincial highway XX to nenjiang road tender call to sophisticated shops, the national highway from Dand
41、ong to Altay XX to 18 stations and commuter airport renovation and expansion work, promote XX infrastructure in Hong Kong, planned opening water transport channel, and construct “land, water and air“ transportation networks). Homeopathy for as long as we are in line with local conditions, in the pla
42、y “long“ fuss, in addressing the “short“ work on weaknesses, short swagger grams, yangchangbuduan, will be able to achieve the development goals. Second, focus on economic construction as the Center, pushing forward forest transition XI General Secretary2.内容和目标具体内容 控制目标明确划分股东、董事会和高级管理层、经理人员各自的权利、责任和
43、利益形成的相互制衡关系确保国家法律规定和商业银行内部规章制度的贯彻执行为遵守既定政策和预定目标所采取的方法和手段确保商业银行发展战略和经营目标的全面实施和充分实现为保证各项业务和管理活动有效进行，保护资产的安全和完整，保证资料的真实、合法和完整，而制定和实施的政策与程序确保业务记录、财务信息和其他管理信息的及时、真实和完整及时防范、发现和动态调整管理风险的机制 确保风险管理体系的有效性（二）商业银行内部控制的要素和原则1.商业银行内部控制的要素（1）内部控制环境。（2）风险识别与评估。（3）内部控制措施。（4）监督与纠正。（5）信息交流与反馈。2.商业银行内部控制的主要原则商业银行的内部控制必
44、须贯彻全面、审慎、有效、独立的原则，具体来说：（1）内部控制应当渗透到商业银行的各项业务过程和各个操作环节。（2）内部控制应当以防范风险、审慎经营为出发点。many other precious cold water fish. Mineral resources, has proved many of the gold ore body, high grade, large reserves, reserves of more than 170 million tons of lignite, iron, vanadium and titanium magnetite reserves pr
45、oven 6 million cubic meters, 40 million tons of quartz sand deposit reserves, the rare. ) From the short plate, Woods continued industry weak, support is not strong, especially inadequate for processing, there are no resources to make good products, marketing is not enough, there are no good product
46、s sell for a good price. Livelihood weakness, my district is located in the border area, the climate is cold, for many years of the masses of workers have a hard life, and complete the building of forest societys weaknesses are mainly concentrated in the area of peoples livelihood, especially in ter
47、ms of poverty, the task is still very arduous. From the perspective of short-term capital, district financial situation at present tense, some financial debts to repay, is basically living money, no money for development, transformation “where did the money come from“ still outstanding. From the per
48、spective of talent short Board, my talent shortage, low overall quality, irrational structure, weak overseas talents into local serious brain-drain, especially high-end talents badly, has become the development of controlKey issues. If these short Board neither avoid nor overcome, not padded, transf
49、ormation and development cannot be achieved in forest areas. Second, think calmly, calmly. A local economic development, strengths and weaknesses are dynamic and reciprocal transformation, there is no absolute advantages and disadvantages, advantages and disadvantages of nothing, as the time, place, and changes in external conditions, advantages could become disadvantages, disadvantages may also be to your advantage. For example, my good ecological environment, land development later, is the nations “most dare ring of green and organic food“, but these years are basically kind of t
