HSBC China President Ye Di is about to serve as Vice President of China Bank of Communications, this is only available for the "A H" model for the first time.
One of the banks conduct one of the series of personnel adjustments.
In addition to the arrival of the leaves, "There have been some branch leaders in the high-level implining, and the middle part of some important sectors of the head office will also
There is a relatively large personnel adjustment, and the department may involve credit, risk management, human resources department, international business unit and supervision room. "Internal people, disclosed last week.
Since the transfer has entered the countdown, such a large-scale personnel adjustment look more meaningful. The second largest shareholder HSBC
Last week, "Bank will be the fastest way to travel in May, in order to promote the smooth listing, the Hong Kong Stock Exchange will pay in terms of financing
Way to exempt. "
"In addition to HSBC entering, it is a big relationship with personnel adjustments in brewing and the various financial cases that have emerged since the financial restructuring last year.
However, it is not excluded that after the high-level leaders of the Communications, it will inevitably do some adjustments in personnel. "A person who knows people.
28 cases and personnel shock
The financial case mentioned by this insider refers to January 2005, Jiang Chaoliang, Chairman, Bank of Chair, mentioned in the internal work meeting of the Branch of the Branch.
of. "In 2004, there was 28 corruption cases, and punished 93 related personnel involved, involving 279 million yuan. Combined with bad loans
Centralized disposal work for accountability and treatment, and 2443 responsible personnel are held. "Jiang Chaoyiang said at this meeting.
"In this person's adjustment, the person involved in the case must be dismissed, the person in charge may be replaced, all local branches, this branch
Leaders must be quite responsible. Direct person in charge generally replace, and now some regional branch presidents have taken the initiative to take the initiative under the hints of the head office.
Take a break. "The above knowing is said.
On April 7, the Bank of Communications Spokesperson Song Feng is not in the above news.
Despite the management of HSBC's entry, HSBC's management is a matter of reason, but this time the personnel adjust, at least
The adjusted person may be related to various financial cases that have occurred in communication.
Most of the various financial cases occurred last year, most of the settlement accounting areas, in the form of misappropriation, theft, fraud.
It is reflected in the bank to lack effective internal monitoring.
In June 2004, the 200 million loan fake cases of the Branch of the Branch of the Audit Commission were undoubtedly awarded the amount involved in China.
The biggest financial case.
In this way, the financial cases, the exchange of 28, in 2004, of which 9 occurred after the financial reorganization in the second half of the year, of which
There are 16 economic cases such as misappropriation, fraud, and 5,000 yuan.
It is mentioned that the leader of Zhang Jianguo is anxiety. On March 1, 2005, Zhang Jianguo mentioned this again at the meeting of internal risk management.
Some cases: "These cases fully expose the problems in basic management, internal control, which gives me a great harm.
First, the image, the reputation is harmful. Some cases have attracted attention, allowing customers, shareholders, some employees, and financial markets to me.
Whether it can continue to develop untrust and questioning; second, cases have caused huge losses, expanding financial gaps, but also facing further funds
The possibility of loss; these three, these cases and problems will undoubtedly have a serious negative negative for the price of our listing and the trend after the listing.
Impact; four, a series of cases dragged down our way forward and achieve strategic transformation. "
At the same time, the adjustment of the audit sector and the credit management department has also begun. At the beginning of 2005, the East China Anise and Triert Management Center as
The pilot of all banks has begun. "The Management Center will be affiliated to the audit and credit department of the head office.
The personnel of Zhejiang's original nuclear departments and credit sectors, and the organization's treatment is treated in accordance with the head office. The person in charge of these two management centers will be sent by the general party
Out. "The above-mentioned insiders revealed. Another person who knows that HSBC's other people may also serve as the Bank of Communications Risk Management, the Remuneration and Management Committee
The person in charge of the staff, the head of the international business department, the human resources and the credit department.
If the personnel change is the last price paid in order to complete a perfect "listed trip", so invite HSBC China
The President Yeiqi's deputyerators of the deputy director is to make this journey more smooth, "Ye Diqi will cooperate with the exchange of Shanghai, Hong Kong.
The city, the general coordination deployment, and is responsible for future overseas roadshows. Prevention and transformation
In fact, before the financial restructuring, the bass of assets seems to be worse than the Bank of China and CCB.
Bank of Communications pays in the Ministry of Finance, the Social Security Fund, and packaged for 53 billion yuan of adverse assets, the balance of bad loans in its territory still
Up to 19.09 billion yuan, the non-performing loan ratio is 3.54%. And for the disposal of non-credit-deserved assets, let the exchange "uncomfortable", so far,
Bank did not announce the disposal of non-credit assets and losses, but Zhang Jianguo has repeatedly emphasized that "dealing with non-credit and non-credit assets.
If the day, there is still a so-called 'popsicle effect' during the disposal. Therefore, in the next two to three years, non-credit bad assets
The loss rate may also rise, this problem is more serious. "
In 2004, in the context of the four major state-owned banks increased the revitalization of the revitalization, "the bad loans of the exchanges of the bank also decreased significantly, and suspicious
The class and attention are increasing. This actually illustrates that the good internal control system is not fully established, and the mechanism for producing adverse loans still exists.
And these is hard to change. Bank of Communications has experienced so many financial cases in 2004, also explains the role of internal control mechanisms.
"A bank analyst believes.
"Financial cases are frequent, will definitely affect the listing process of the exchange, mainly internal risk management, operational risks and external supervision
The problem. In fact, the current organizational system and architecture of the China Banking industry will be appointed by the personnel in administrative management.
Above, all banks do not have essential, hiding financial cases often expose in the financial restructuring before listed.
In fact, all banks exist. "Huaxia Securities Bank Analyst" Yan Wei Hua Xi.
Of course, the branch is making some changes, making a paving for future strategic transitions.
First of all, with the help of the World Bank funds and the Pupa Yongdao, the credit process is basically completed, mainly including: establishment of "credit"
Professional, unified assignment risk management system; lending process and credit declaration, review, approval process, etc., the cash flow is the core
Scientifically approve customer credit quota; reduce credit procedures and increase the responsibility of each link; establish a customer rating and credit business rating as one
Risk rating system; post-loan monitoring frequency should have rigid characteristics and hook with customer risk rating; timely loans to the loan clearance
door.
"This credit process is re-created, which is very compliant with the business philosophy of 'risk-revenue optimization', and also meets the reform
This view is matched with the income. "The analyst of Haitong Securities believes.
Second, the organizational architecture is regenerated. Since October last year, the Bank of Communications will divide the organizational architecture of the whole line according to the idea of comprehensive risk management.
Four subsystems of the system, implementation system, support system, and monitoring system. Decision systems are divided by members of the board of directors and leadership, respectively.
It will be constructed, responsible for developing risks policies related to all banks and ensuring implementation. Implementation system is mainly architectural reforms of risk management headquarters.
The department has implemented a big risk, large-scale approval and big insurance, and established risks for all-line credit assets, non-credit assets and outdoor assets.
The monitoring department and asset protection are all. In 2005, the Risk Management Department will set up a head office approval center and regional approval center to form credit approval and risk.
The monitoring branch, the "three-level system" control of the unit and the head office.
The monitoring system consists of the audit, audit and other departments under the leadership of the board, the supervisor and the leadership, responsible for the monitoring and reporting of risks, and launches the audit system of the regional center. The country is divided into East China, South China, western part. Regional, cutting the power of the branch, implement the total
Pensioning is unified management, focusing on the focus of supervision and inspection.
After completing the functional integration, the credit management department will control the credit business before the development of credit policies and credit review.
Risk; Risk Monitoring Ministry is based on risk rating as a core tool, identify, monitor and early warning for various types of business banks;
All government protection is responsible for the timely disposal of problem assets to minimize losses.
The third is the reconstruction of "big risk" concept. From the construction of a comprehensive risk management system and long-term vision, the exchange is highly attached great importance to the risk
, Fluid risk, interest rate risk, and systemic economic risks such as price risks formed by exchange rate changes. For example, using asset liabilities gap
The management model is dynamically monitored to the liquidity status of the whole line; use the funds for funding within the system, adjust the funds between the heads and branches.
Distribution; through adjusting the structure of the funds to maintain fluidity; pay close attention to the central bank monetary policy trends and make pre-judgments, adjust the stream of assets in time
Dynamic structure, etc.
"These measures are currently in progress, and it is an integral part of the transfer strategy transformation, but due to the personnel, departments involving all aspects.
The adjustment, merge, and even touch the interests of some people, so the speed is slow. "Interior of the Communications admitted that all this is not
easy.
(Editor: Tian Wei)
