銀行業(yè)風(fēng)險(xiǎn)案例精析

1、銀行業(yè)風(fēng)險(xiǎn)案例精析 銀行業(yè)風(fēng)險(xiǎn)案例精析本期焦點(diǎn)? “8 號文”倒逼銀行理財(cái)業(yè)務(wù)轉(zhuǎn)型? 小微企業(yè)貸款潮下銀行需謹(jǐn)慎? 審視并規(guī)范銀行代銷業(yè)務(wù)? 防范因銀行卡盜刷給銀行帶來的風(fēng)險(xiǎn)? 從某信用社假造死亡名單核銷貸款看其內(nèi)控管理? 虛擬信用卡或引發(fā)信用卡產(chǎn)業(yè)洗牌銀行業(yè)風(fēng)險(xiǎn)案例精析1目 錄第一篇 第一篇 熱點(diǎn)追擊 熱點(diǎn)追擊.............................................................

2、........ .....................................................................1一、 “8 號文”倒逼銀行理財(cái)業(yè)務(wù)轉(zhuǎn)型 ..................................................................................................1☆風(fēng)險(xiǎn)點(diǎn)..................

3、......................................................................................................................1☆事件始末................................................................................................

4、....................................1☆銀行理財(cái)風(fēng)險(xiǎn)分析與防范........................................................................................................2☆“8 號文”影響分析.......................................................

5、..........................................................7☆銀行對策....................................................................................................................................9第二篇 第二篇 業(yè)務(wù)風(fēng)險(xiǎn)案例 業(yè)務(wù)風(fēng)險(xiǎn)案例.

6、............................................................... ................................................................11 11一、小微企業(yè)貸款潮下銀行需謹(jǐn)慎 .......................................................................

7、..............................11☆風(fēng)險(xiǎn)點(diǎn)......................................................................................................................................11☆事件背景：小微信貸成為銀行業(yè)務(wù)轉(zhuǎn)型的重要方向.........................

8、.................................11☆小微現(xiàn)狀：貸款余額高速增長的同時(shí)，新型融資需求顯現(xiàn)..............................................12☆風(fēng)險(xiǎn)分析：銀行應(yīng)警惕信貸風(fēng)險(xiǎn)與操作風(fēng)險(xiǎn)......................................................................14☆風(fēng)險(xiǎn)防范：評估小微企業(yè)主個(gè)人資信情況

9、而后授信..........................................................15二、審視并規(guī)范銀行代銷業(yè)務(wù) .............................................................................................................16☆風(fēng)險(xiǎn)點(diǎn)...........................

10、...........................................................................................................16☆案例背景：銀監(jiān)會通知銀行全面排查代銷業(yè)務(wù)..................................................................16☆案例分析：代銷產(chǎn)品風(fēng)險(xiǎn)頻發(fā) 或存在較多問題

11、................................................................16☆案例風(fēng)險(xiǎn)：代銷業(yè)務(wù)中潛藏的銀行風(fēng)險(xiǎn)分析......................................................................19☆風(fēng)險(xiǎn)防范.........................................................

12、.........................................................................19第三篇 第三篇 內(nèi)控案例剖析 內(nèi)控案例剖析................................................................ ..........................................................

13、......21 21一、防范因銀行卡盜刷給銀行帶來的風(fēng)險(xiǎn) .........................................................................................21☆風(fēng)險(xiǎn)點(diǎn)...............................................................................................

14、.......................................21☆案例回顧：吉某人在國內(nèi)卡在身邊，借記卡卻遭境外盜刷..............................................21☆事件焦點(diǎn)：“預(yù)授權(quán)”及盜刷誰之責(zé)..................................................................................22☆相關(guān)案

15、例：廣州陳先生卡被盜刷 法院判銀行擔(dān)責(zé)八成....................................................23☆案例延伸：磁條卡天生有“缺陷”......................................................................................23☆事件影響：銀行或遭遇聲譽(yù)及客戶雙重?fù)p失.....................