银行、保险、证券形象危机的风险项由五部分构成:(1)负责人违法问题,(2)收费问题,(3)客户信息安全问题,(4)经营问题,(5)监管问题。当前,针对“形象危机度”与“社会责任事故率”的分析表明,客户信息安全问题、负责人违法问题、监管问题最突出。建议:针对客户信息安全问题等风险项的“形象蒙冤”问题,做好“善解冤”;针对监管问题等风险项的“形象死亡”问题,做好“重点改”;针对形象偏差度与多元评委关系,并结合“风险地图”等规律,做好“全面防”。
<<There are five risks of image crisis of banks,insurance and securities:illegal acts of the leading officials,problems on the fees,problems on the customer information security,management problems and supervision problems. These five aspects constitute the Risk Map. At present,the analysis of the image crisis degree and social responsibility accident rate shows that the three most prominent problems are the customer information security,illegal acts of the leading officials and supervision matters. As regards the problems on the customer information security in aspect of the image injustice,the key is to be committed to solve those injustice problems. As regards the supervision problems in aspect of the image death,the key is to be committed to improvement. As regards the image deviation degree and multiple judgement relationships,the key is to be committed to build a comprehensive risk management system,combined with the regularity from the Risk Map.
<<Keywords: | SecurityInsuranceBankImage Crisis |