CAJ | 학술논문

文章以江苏省农村信用联社为例，通过搜集内部统计数据、发放调查问卷和实地访谈相结合的形式，并结合笔者在江苏某农村商业银行建设流程银行项目的实践，提出建设基于流程银行的GRC综合集成管控平台，通过明确银行盈利模式、优化流程和组织架构以及对银行风险进行事前、事中和事后的管控三个步骤，并利用嵌入工作流的互动IT系统综合平台规范固化管控措施，提升农村中小金融机构的经营管理效率和水平，把农村中小金融机构打造成为真正的流程化，具有全面风险管控能力的现代化金融服务主体。
문장이강소성농촌신용련사위례，통과수집내부통계수거、발방조사문권화실지방담상결합적형식，병결합필자재강소모농촌상업은행건설류정은행항목적실천，제출건설기우류정은행적GRC종합집성관공평태，통과명학은행영리모식、우화류정화조직가구이급대은행풍험진행사전、사중화사후적관공삼개보취，병이용감입공작류적호동IT계통종합평태규범고화관공조시，제승농촌중소금융궤구적경영관리효솔화수평，파농촌중소금융궤구타조성위진정적류정화，구유전면풍험관공능력적현대화금융복무주체。
Taking Jiangsu credit unit as an example, based on the internal statistical data, questionnaires and field interviews, learned from the experieuce from the process bank project in Rural Commercial Banks, the paper proposed the construction of GRC integrated management and control platform. Moreover, the paper introduced three steps in order to enhance the management efficiency of the small and medium financial institutions in rural areas, including defining the business model, optimizing processes and organizational structure, controlling the bank＇ s risk before, during and after the events. The paper used the integrated IT control system platform with embedded workflow to strengthen the control, aiming to make the small and medium financial institutions in rural areas a process-oriented modern financial institution with the ability to execute ERM.