(A) savings management is difficult to meet the needs of business development and risk.

First, the savings business of ABC has developed rapidly in recent years, and the business volume of outlets has doubled. For example, by the end of March 2002, the balance of savings deposits was four times that of 65,438+0,994. The sharp increase in business volume has increased the difficulty of front-line operators and increased the chances of business risks. Second, the variety of business is increasing day by day, such as the development of savings deposit and withdrawal, bank-securities transfer, bank-securities link, online banking, ATM machines, "all-in-one card" and the emergence of free filling and automatic deposit, which increases the chances of business risks; Third, the business scope continues to expand. The savings business has developed from a simple savings deposit to a comprehensive savings business integrating intermediate businesses such as loans, insurance, remittance, agency of treasury bonds, agency funds and certificates of deposit. The expansion of business scope will inevitably increase the possibility of business risks.

(B) Personnel quality reasons

First, the quality of employees needs to be improved. In recent years, the development of science and technology and business innovation are increasing day by day, which puts forward new requirements for training, but due to the limitation of conditions, the depth and breadth of training are not enough, which is not conducive to business development and risk prevention; The number of new employees is decreasing, and the proportion of highly educated employees is not high, especially the cultural quality of front-line employees is uneven. Second, the low moral level of individual depositors is an important reason for the risk of savings deposit business.

(3) The level of scientific and technological development is lagging behind, and the network communication is not smooth.

Because ABC's outlets are all over urban and rural areas, there are many levels of network and governance, which objectively affects the quality of ABC's network operation. However, with the rapid development of online banking, bank securities, savings treasure, one-card and other services, network communication is "stagnant" and computer failure is still inevitable, which increases the risk of savings deposit business.

(4) The system is not perfect and the governance is not standardized.

First, in recent years, the rapid development of online banking, all kinds of agency funds, bonds and other businesses has put the original rules and regulations and governance norms of savings deposits to an unprecedented test, and the imperfection of the system and governance is one of the important reasons for the emergence of savings business; Second, the management of savings personnel in specific work is not in place, which leads to a weak sense of responsibility of some savings personnel, and improper storage of seals and valuable documents gives criminals an opportunity; Third, authorized governance is not standardized. Such as password modification, operator and administrator authorization, etc.

(5) Social environment.

Some criminals in society are eyeing the bank. For example, criminals committing crimes on ATM machines, using one card for multiple purposes, and robbing bank outlets may all pose risks in savings business.

(6) simple task concept

In order to simply pursue the completion of the task, individual units and depositors take "convenience for customers" as a pretext, have a weak institutional concept, and "make changes" at will in handling business, resulting in risks.

(seven) the supervision of savings posts is not in place.

After-the-fact supervision of savings mainly aims at the hidden interest calculation, accounting errors and the supervision of accounting elements in the traditional savings business governance, which plays a very good role in preventing business risks and standardizing accounting records in the manual operation stage. However, with the widespread use of computers in banks and the widespread implementation of the savings teller system, the "after-the-fact" supervision and governance mode of after-the-fact supervision of savings has obviously fallen behind, and its role has gradually faded, making it difficult to really prevent operational risks.

Reasons for the risk of monetary fund:

social instability

Needless to describe this point, in the case of social unrest, all walks of life are decadent, social order is chaotic, and financial order is even more absent. Monetary funds operating under normal market order will come to an end at this time-blow out the lights, pull out the wax, and leave bulk commodities.

(B) a serious financial crisis

Under the scenario mode of severe financial crisis, although the social order is still stable, the financial order is out of balance. Money funds mainly invest in the money market. Once the financial order goes wrong, the money market will be the first area to be affected, and the money fund will be doomed because of the problems in the main investment targets.

(3) Huge redemption

The above two situations are special and the probability of occurrence is small. The huge redemption risk of money funds is a risk that most investors may encounter all their lives.