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Company

LOGO

Nhm 04 CH.TCNH 19B (Ti)

Thu thpthng tin vriro hotngtiNgn hng Thngmic

phnCng thngVitNam

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NI DUNG

Phn1: Tngquan vRiro hotng

Phn2: Thctrngriro hotngti

Ngn hng TMCP Cng thngVitNam

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1. Tngquan vRiro hotng

Khi nimriro hotngTheo Basel II: Riro hotngl riro gyra tnthtdo cc nguyn nhn nhcon ngi,skhng yhocvnhnh khng tt cc

quy trnh, hthng; cc skinkhch quan bnngoi. RRHbao gmc ri ro php l nhngloitrvriro chinlcv riro uy tn

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Nguyn nhn gy ra riro hotng

Tbn trong nibngn hng Do cn bnhn vin ngn hng

Do cc quy nh, quy trnh nghipv

Do hthnghtr

Do tc ngbn ngoi

Do tiphmbn ngoi

Do thay iquy nhcaChnh ph

Do thin tai tnhin

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2. Thctrngriro hotngtiVietinbank

Litk mtsriro hotngnh hng ca RRH ti hot ng caVietinbank

Nguyn nhn gy ra RRH

Binphp giiquyt

Bi hckinh nghim

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Riro hotngtiVietinbank

Cc hnh vi gian lnv tiphmnib

- Lin quan ncc cn btc nghipcacc

nghipvtn dng, thanh ton, kho qu,

- HunhThHuynNh:+ Lphsmti khongi, chk gi, dugi

nhtro hsmti khondo khch hng

lp+ Lplnhchi gi, lnhchuyntingichim

ottintrn ti khontingicakhch hng.

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Riro hotngtiVietinbank

Cc hnh vi gian lnv tiphmbn ngoi

- Tn dng: gimo, sachagiychngnhn

quynsdngtvay vn.

- Ngn qu: tingi

- Thv my ATM: thgi, thdo trmcp

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Riro hotngtiVietinbank

Sai st trong tc nghipcacn b

Huy ngvn: Thu ngn khng pht hin tin gi (2011, 2012,2013 l 60, 54, 40 trnghp)

Tn dng: sai st trong victun thquy trnh nghipv

Chuyntin: tnh v thu cc loiph khng ngquy nh; nhiulnhchuyntincng nidung

Nghipvthv my ATM: khng thchinchmbo co myATM hng ngy, nhptinvo my khng cculoitin

Nghipvkho qu: sai nch(2011 c 598 nchquan trngvitsai, in sai, gimso vi2010)

Lun chuynchngthchton kton: thiuchk, ducakhch hng, giao dch vin (2012:1765 trng hp, gim 51% sonm2011)

Nghipvinton: sdngUser, passwword chung giaccgiao dchvin, kimsot v cn binton

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Riro hotngtiVietinbank

Hthngcng nghthng tin

- Lilin quan nqunl ngisdng,

- My ATM ngng hot ng do li thit b, li

ngtruyn.

- Ch th rt tin khng nhn c tin m ti

khonvnghi n

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nhhngcaRRH tihotngcaVietinbank

V ti chnh: nhgi ti snsai, cc bo coli lkhng hon chnh, cc khonmckton

khng cichiu

Vuy tn: gimst.

V d: TrnghpHunhThHuynNh

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Nguyn nhn gy ra RRH

Do cn

bnhn v in

- ocnghnghip

- Trnh chuyn mn

- Chanhn thcyv tmquan trngcaqunl RRH

H thng CNTT: cha c bo tr, bodng ng hn, my ch v cc thit b d

phng cn thiu.Thiuslin kt, phihpgiacc phngban nghipv

Yutkhch quan khc

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Binphp giiquyt

Tchcbmy QLRR tc nghip

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Binphp giiquyt

Xc nhv olngriro

- Xc nhduhiuriro hotng

- Xc nhcc scriro hotng

- Xc nhcc giao dchnghi ng, btthng

- Xc nhriro ivisnphmmi

Gimnhriro hotngGim st riro hotng

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Bi hckinh nghim

Nhnthcctmquan trngcaquntrRRH

Xy dnghthngcc chtiu olngriro chnh

KRIs (key risk indicators), nhlngha RRH.

Xy dngngn hng dliuvRRH v sdngcng

nghhinitrong phn tch, xl RRH

Hnchtianguyn nhn gy ra RRH tcc yut

bn trong NHTM nhcon ngi, quy trnh, hthng

Hnchtiacc nguyn nhn RRH bn ngoi, a

ra tnh hungsnsng iph cngnhkhcphc

kpthihuqudo thin tai,..

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Company

LOGO

Nhm 4

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Company

LOGO

Nhm 04 CH.TCNH 19B (Ti)

Thu thpthng tin vriro hotngtiNgn hng Thngmic

phnCng thngVitNam