论文标题
为什么银行发现业务流程合规性如此挑战？澳大利亚案例研究
Why Do Banks Find Business Process Compliance So Challenging? An Australian Case Study
论文作者
论文摘要
银行在任何现代经济中都发挥了内在作用，将资本从储蓄者那里回收到借款人。它们受到严格的监管，近年来有大量宣传的合规性失败。尽管业务流程合规性（BPC）既是学术界研究良好的领域，又是已经取得了重大进展的领域。这项研究旨在确定为什么澳大利亚银行认为BPC如此具有挑战性。我们采访了来自澳大利亚四大银行中各种职能的22位高级管理人员，以确定主要挑战。并非每个银行中的每个流程都面临相同的问题，而是在银行特别挑战以满足其合规性要求的过程中，出现了相同的主题。他们承担的合规性要求过多，动态和复杂。满足这些要求取决于难以理解的意大利面条流程，可持续变化的案例仍然难以捉摸，将银行锁定在一个失败的循环中，从而增加了基本的复杂性。本文提出了一个概念框架，可以识别和汇总挑战，而断路器的方法是“失败固定循环”的“关闭坡道”。
Banks play an intrinsic role in any modern economy, recycling capital from savers to borrowers. They are heavily regulated and there have been a significant number of well publicized compliance failings in recent years. This is despite Business Process Compliance (BPC) being both a well researched domain in academia and one where significant progress has been made. This study seeks to determine why Australian banks find BPC so challenging. We interviewed 22 senior managers from a range of functions within the four major Australian banks to identify the key challenges. Not every process in every bank is facing the same issues, but in processes where a bank is particularly challenged to meet its compliance requirements, the same themes emerge. The compliance requirement load they bear is excessive, dynamic and complex. Fulfilling these requirements relies on impenetrable spaghetti processes, and the case for sustainable change remains elusive, locking banks into a fail-fix cycle that increases the underlying complexity. This paper proposes a conceptual framework that identifies and aggregates the challenges, and a circuit-breaker approach as an "off ramp" to the fail-fix cycle.
