商業(yè)銀行信息科技風(fēng)險(xiǎn)管理指引英文

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DATE\@"M/d/yyyy"4/23/2023GuidelinesontheRiskManagementofCommercialBanks’InformationTechnologyChapterIGeneralProvisionsPursuanttotheLawofthePeople’sRepublicofChinaonBankingRegulationandSupervision,theLawofthePeople'sRepublicofChinaonCommercialBanks,theRegulationsofthePeople’sRepublicofChinaonAdministrationofForeign-fundedBanks,andotherapplicablelawsandregulations,theGuidelinesontheRiskManagementofCommercialBanks’InformationTechnology(hereinafterreferredtoastheGuidelines)isformulated.TheGuidelinesapplytoallthecommercialbankslegallyincorporatedwithintheterritoryofthePeople’sRepublicofChina.TheGuidelinesmayapplytootherbankinginstitutionsincludingpolicybanks,ruralcooperativebanks,urbancreditcooperatives,ruralcreditcooperatives,villagebanks,loancompanies,financialassetmanagementcompanies,trustandinvestmentcompanies,financefirms,financialleasingcompanies,automobilefinancialcompaniesandmoneybrokers.Theterm“informationtechnology”statedintheGuidelinesshallrefertothesystembuiltwithcomputer,communicationandsoftwaretechnologies,andemployedbycommercialbankstohandlebusinesstransactions,operationmanagement,andinternalcommunication,collaborativeworkandcontrols.ThetermalsoincludeITgovernance,ITorganizationstructureandITpoliciesandprocedures.慰Ther閘isko珠finf器ormat疏iont局echno堂logy曠refer遺sto遙theo鋪perat婆ional掌risk雁,leg嘆alri虧skan分drep翁utati恐onri蟻skth朽atar聽ecau善sedb隱y握natu況ralf酬actor辱,低huma沸nfac淚tor,啟techn賀ologi桂call覽oopho井leso產(chǎn)rman寒a(chǎn)geme俗ntde搜ficie造ncies朱渾when指using褲info田rmati包onte因chnol槍ogy手.須Theo四bject糞iveo膊finf惡ormat逼ions蟻ystem殃risk氧mana捎gemen生tis黎toes交tabli臂shan僵effe鍋ctive值mech棟anism棟that規(guī)can喊ident冬ify,助measu趨re,和monit牌or爭,and頓cont霉rolt揪heri剃skso寫f傲comme搭rcial巾bank池s腥’inf脈ormat魚ions償ystem蓬,ens隱ured治atai揭ntegr三ity,具avail目abili沈ty,c牽onfid肢entia妄lity器andc讓onsis起tency拋,pro貿(mào)vide卵ther停eleva持ntea薪rlyw敘arnin枕g,an報(bào)dthe天reby事enabl失e責(zé)comme何rcial應(yīng)bank始s’bu設(shè)sines跑sinn細(xì)ovati耕ons,鼠uplif衛(wèi)tthe敵irca亭pabil卸ityi短nuti雁lizin域ginf竭ormat交iont賞echno睛logy,那impr壓ovet木heir沃core笑compe只titiv純eness舒and閑capac婆ityf欺orsu扎stain沃able缸devel伙opmen零t.輸Chapt織erII泥拾于ITgo謀verna榮nce服Thel臺(tái)egal鈔repre價(jià)senta囑tive習(xí)ofco搬mmerc根ialb子anks塊hould史ber腿espon腐sible低toe竊nsure稼comp玩lianc類eof村this擦guide位line.召漠Theb碑oard卸ofdi想recto淡rsof午comm烤ercia美lban旗kssh很ould社have介thef擺ollow默ingr模espon跟sibil斥ities側(cè)with壽resp么ectt柄othe駱mana廁gemen烈tof偉infor熔matio挎nsys束tems:叉Imple異menti非ng湊and牛compl些ying腳with偶the霉natio鼠nall撿aws,娛regul結(jié)ation組sand躲tech網(wǎng)nical枕stan駕dards踩pert類ainin星gto宰them貴anage頭ment災(zāi)ofin講forma炒tion索syste樓ms,a決swel激las感ther聚egula偽tory置requi剝r(jià)emen軌tsse協(xié)tby蛇the掠China裳Bank鏈ingR燃egula倚tory您Commi季ssion補(bǔ)(her冠einaf太terr鴿eferr窯edto撕ast員he“C賤BRC”)燃;挪Perio宏dical塔lyre殘viewi捐ngth題eali悟gnmen旅tof辛ITst密rateg給ywit年hthe勻over蓄allb早usine芹ssst用rateg憂iesa殲ndsi唉gnifi揮cant棋polic霞ieso紫fthe應(yīng)bank象,ass享essin苦gthe擔(dān)over畢alle笑ffect占ivene漢ssan貞deff挎icien蒙cyof捉the僵ITor乳ganiz捏ation堡.螞Appro臭ving指ITri厲skma碰nagem魚ents倦trate享gies姑andp總olici謎es,u破nders轉(zhuǎn)tandi苦ngth站emaj嶼orIT伍risk茄sinv夢(mèng)olved木,set筑ting竹accep垮table屑leve娛lsfo墓rthe獻(xiàn)seri將sks,橡ande仙nsuri蓮ngth笛eimp態(tài)lemen碌tatio乎nof范them拒easur鹽esne怕cessa嶺ryto漏iden蛋tify,息meas苗ure,脅monit衰oran淡dcon鎮(zhèn)trol慮these南risk憂s.面Setti刑nghi唉ghet壩hical通and集integ花rity哨stand覆ards,嘗and廉estab盈lishi容nga勻cultu黎rewi窯thin疤theb綠ankt蘿hate刊mphas怖izes甲andd諒emons聚trate縮sto戰(zhàn)alll腿evels第ofp稻erson催nelt犯heim電porta俊nceo如fIT零risk撿manag建ement監(jiān).萄Estab襖lishi女ng米anIT蛛stee德ring級(jí)commi創(chuàng)ttee創(chuàng)which郊cons停ists后ofr絕epres誦entat條ives泰from賊senio使rman聾ageme建nt,t益heIT律orga熔nizat成ion,鎮(zhèn)andm毀ajor屢busin熊essu紀(jì)nits,惕too江verse寫ethe常sere憐spons嗽ibili托ties辦andr洪eport再the誠effec南tiven笑esso晝fstr綱ategi猜cIT敞plann龍ing,拜theI易Tbud意geta途ndac湯tual趟expen濃ditur集e,an秘dthe祥over業(yè)allI笛Tper饅forma命ncet悅ot惑h停eboa啄rdof巷dire墨ctors準(zhǔn)and毛senio貍rman要ageme材ntpe繞riodi粉cally蝴.藝Estab過lishi英ngIT僑gove慎rnanc墓estr暗uctur獵e,pr侍oper蓬segre根gatio縣nof稅duty,忽clea扛rrol揉eand叨resp錯(cuò)onsib率ility中,mai蓮ntain雁ingc膚heck濃andb魂alanc偵esan嫂dcle重arre鍛porti隆ngre做latio少nship潮.Str從ength使ening夏ITp濕rofes湯siona閱lsta怪ffby勒deve跨lopin于ginc割entiv溫epro炊gram.延Ensur法ingt快hatt菜here種isan械effe桌ctive餅inte爪rnal戀audit撈oft渣heIT南risk琴mana亂gemen約tcar趴ried豎outb贏yope俱ratio盡nally腫inde蒜pende拼nt,w欲ell-t李raine糕dand省qual孔ified市staf綠f.T能hein流terna社laud技itre故port訴shoul眉dbe揀submi桶tted聞direc但tlyt仇othe足ITa傘udit戲commi地ttee;茶Submi偉tting止ana粗nnual汽repo暖rtto客the心CBRC過andi訓(xùn)tslo番calo窩ffice按son防infor白matio軋nsys絮temr躍iskm慎anage末ment潤that脅hasb斜eenr趴eview腥edan爪dapp悅roved刪byt卵hebo劃ardo羊fdir投ector駝s;巷Ensur服ingt園heap謠propr昌iatin耕gfun偷ding致neces裹sary觀forI若Tris銷kman刻ageme續(xù)ntwo芽rks;拖Ensur貓ingt士hata合llem蝕ploye園esof蝶the房bank用fully尿unde次rstan乎dand調(diào)adhe愁reto伴the耍ITri狀skma脫nagem哨entp延olici鄙esan亮dpro濱cedur盾esap陸prove始dby熔theb盞oard擋ofdi回recto隨rsan棚dthe猜seni赤orma勺nagem東ent,廢anda套repr圈ovide弄dwit陰hper債tinen瓶ttra霞ining營.頑Ensur毒ingc導(dǎo)ustom遭erin世forma摸tion,剃fina離ncial酸info陷rmati摩on,p貢r(shí)oduc糟tinf趣ormat蛇iona恐ndco瞧reba陡nking榆syst搭emof輩the蹤legal鼠enti陣tyar雜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