銀行業(yè)風險案例精析

1、銀行業(yè)風險案例精析 銀行業(yè)風險案例精析本期焦點? “8 號文”倒逼銀行理財業(yè)務轉(zhuǎn)型? 小微企業(yè)貸款潮下銀行需謹慎? 審視并規(guī)范銀行代銷業(yè)務? 防范因銀行卡盜刷給銀行帶來的風險? 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)風險案例精析1目 錄第一篇 第一篇 熱點追擊 熱點追擊.............................................................

2、........ .....................................................................1一、 “8 號文”倒逼銀行理財業(yè)務轉(zhuǎn)型 ..................................................................................................1☆風險點..................

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

4、....................................1☆銀行理財風險分析與防范........................................................................................................2☆“8 號文”影響分析.......................................................

5、..........................................................7☆銀行對策....................................................................................................................................9第二篇 第二篇 業(yè)務風險案例 業(yè)務風險案例.

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

7、..............................11☆風險點......................................................................................................................................11☆事件背景：小微信貸成為銀行業(yè)務轉(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，新型融資需求顯現(xiàn)..............................................12☆風險分析：銀行應警惕信貸風險與操作風險......................................................................14☆風險防范：評估小微企業(yè)主個人資信情況

9、而后授信..........................................................15二、審視并規(guī)范銀行代銷業(yè)務 .............................................................................................................16☆風險點...........................

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

11、................................................................16☆案例風險：代銷業(yè)務中潛藏的銀行風險分析......................................................................19☆風險防范.........................................................

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險 .........................................................................................21☆風險點...............................................................................................

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：“預授權(quán)”及盜刷誰之責..................................................................................22☆相關(guān)案

15、例：廣州陳先生卡被盜刷 法院判銀行擔責八成....................................................23☆案例延伸：磁條卡天生有“缺陷”......................................................................................23☆事件影響：銀行或遭遇聲譽及客戶雙重損失.....................