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时间:2021-10-14 23:00 来源: Essay代写

摘要:本文是一篇澳洲银行学相关的essay,银行是重要的金融机构之一,如果管理不善很容易出现亏损且影响程度十分严重。......

引发银行亏损的主要事件

所有类型的操作风险可以追溯到四个根本原因。拿caforilus来说这些原因和事件的解释下:

1.人:

caforilus就是这个引发损失的人。销售和市场营销总监休斯涉嫌欺诈,但caforilus无法确定问题出在经营风险部门或财务部门。不同层次的员工之间也缺乏了解。他是相当不称职的没有去了解欺诈。

他并没有把他被视为一个潜在的风险,因为他总是有不同的产品,如足总杯门票等,他靠和所有人保持良好的社会关系来欺骗所有的高层管理人员,这件事对他来说很简单,然而这是不应该发生的,高层管理人员必须保持职业和社会生活之间的界线。文森特H奥尼尔(2009,第62)说,“各级机构的管理,必须努力阻止只追求短期利益,违反制度的规定或风险管理基础的追求。”

 

The main events that triggered the loss at the bank

 

All types of operational risk can be traced back to four root causes. In case of Caforilus these causes and events are explained as under:

 

1.人-1. People:

In case of Caforilus, it was people who triggered the loss. The Sales & Marketing Director Mark Hughes was involved in a fraud that could not be identified either by the operational risk department or by the finance department. There was also lack of understanding between the different levels of staff. They were rather incompetent to understand the fraud.

 

He was not taken as a potential risk because he always had to come with different offerings like FA Cup tickets etc. It was quite easy for him to deceive all his top management by maintaining good social relationships, which should not have happened and the top management must have maintained a line between professionalism and social life. Vincent H O'Neil (2009, p.62) said that “At all levels, the institution's management must actively discourage the pursuit of short-term gains that violate the institution's rules or risk management fundamentals.”

Apart from that, when Helen took his case of potential fraud to the Chief Internal Auditor Keith Garret, she did not take it seriously just because of the false reputation he had created at the bank. Mark's attitude towards the lower staff was completely opposite from that towards the top Management. This shows his lack of professionalism and weak ethics at work. As stated in the end of the case study, there may be other people involved as well, because a fraud of £8 million cannot go away that smoothly without the help of others.

 

2.过程-2. Process

The company's whistle blowing policy was not clear, in case, if a senior or a top management person is involved in a fraud. The policy should be such that it explains and covers every level of the bank's staff because most of the big frauds are committed at the upper management level. Also, none of the internal control departments could identify the fraud committed by Mark. There must have been checks and balances in placed, like; daily checks upon every transaction made, reconciliation, counter checks and approval checks and no one should be exempted.

 

The finance department should have identified the false companies created in the names of Mark's relatives' despite the position of Mark.

 

3.技术-3. Technology

There was no such technological event which triggered the loss at the bank.

 

4.环境-4. Environment

The environment at the Caforilus PLC was not suitable for many reasons. The relationship between different levels of employees was not good, as in case of Helen, Mike did not treat her well; he was famous for his bulling with the lower staff. That is why Helen was looking for another job, which is not good as it increases turnover. In the case study the Internal Chief Auditor also rejected Helen's request for an enquiry without investigation just because she was complaining about director of sales and marketing.

 

The overall risk culture of the bank was not on a proper track because there was no appetite for risk. There was no difference between professionalism and social life as all the higher level employees were easily deceived by Mark. When Helen tried to investigate about Mark, nobody supported her except her friend and an officer from fraud department.

 

The actual/potential impact of the fraud on bank

The major impact of this fraud was that Mark was running away with £8 million and nobody even had a hint about it, which shows the inefficiency on behalf of bank and the weakness of their risk control. This would impact the reputation of the bank to a great extent and also lower the moral of the staff at the bank, because Mark was given so much importance over all of them by the top level managers and at the end he turned out to be the culprit. If accidently, Helen had not seen those invoices, it would have been a disaster for the bank.

 

本文标签: 银行亏损金融风险operational

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