April. 2006

                                                    http://www.china-investigation.com

Mr. John Walke, Asia Regional Office of G4S Global Risks Pte Ltd. Visited Steele office, and held a deep talk with Mr. Hai Yang, president of Steele, in which the goal is aiming at cooperation intent in China region.

PIAVA is meeting on March 15th in a new location, McLean , VA.  

The Enquiry System Platform for checking the credit information of insurance sales representatives in Shanghai is under test run, and the insured can verify the credit records of sales representatives by Internet, telephone, short message and other ways.

On March 13, 2006, The Diplomacy Conference of World Intellectual Property Organization was opened in Singapore , in which the purpose is for passing the new emendatory Trademark Treaty. The new treaty is deemed to provide more effective legal guarantee for trademark protection. 

Fuzhou Municipal Legal Aid takes the lead in pushing lawyers divided into different professional grouping system in China, by statistics voluntary lawyers in the Legal Aid, there are 6 professional teams, including Criminal, Labor dispute, Administrative lawsuit, personal disservice, marriage & family, and Minor, which is to promise the case quality of Legal Aid.

By reviewing current operating and development of commercial banks in China , the existent risks display in following aspects.

1. Credit risks, namely the borrowers cannot refund the part or whole debts back to commercial banks due to the debt crisis created by their mismanagement or subjective malice, which caused loan risk because of overdue, sluggish/idle, bad debt and so on. 2. Fluid risks, namely commercial banks do not have enough current assets for instant pay, so cannot satisfy the demand of pay, finally brings commercial banks losing liquidated capability. 3. Financial risks, which mainly incarnate in two aspects, including grievous insufficient capital and look impressive but worthless of operation profit in national commercial banks. 4. Market risks, which are caused by troubled money market order. On the one hand, some enterprises invested bank credit into stock market, which increases bubble component in stock market, by that it indirectly endangers security of bank credit capital, and on the other hand, on the ceaselessly increase of enterprises¡¯ bond liquidated risks, most bond are assured or deputized by commercial banks. In virtue of mismanagement, enterprises are out of cash capability when the loan is at term, however commercial banks have to pay money advanced for enterprises to be paid back later, subsequently enterprise risks turn to financial risks. 5. Interior management risks, namely the risks are caused by the interior system establishment and inefficient interior performance capability of commercial banks. In addition, there are other risks existing in commercial banks, including interest rate risks, exchange rate risks, high Queer Street risks, credit card risks, financial fraud risks, and so on.

The practice of modern commercial banks¡¯ development has proved that risk control and self-development of commercial banks are inseparable from each other, so commercial banks should establish healthy and level-headed risk control system, which covers the follows parts.

1. Establish consummate and vertical risk control organization system. In actual practice, it is better to appoint risk control officers in headquarters, each operation department and each branch, whom are supervised by the superior. 

2. Keep the independence of risk control. Not only risk control is independent from market exploitation but also includes program risk, interior audit and legal management.

4. Establish appropriate rewards and punishment system for risk control officers, bestir skillful risk control officers and banks, as well as punish bad behavior and defect on purpose.

5. Create idiographic risk culture. Risk control will be culture and soul breathed into financial work.

1£©Steal business secrets

2£©Abandon one occupation favor, but taking business secrets away

3£©Obtain trade secrets by high salary, lure by promise of gain and subornation

4£©Intercept trade secrets by wiretapping

5£©Get business secrets by threatening means

6£©Gain business secrets by illegal exchange

7£©Recruit retired employees to get trade secrets

8£©Make bold to use secrets by breaching the confidential agreement

9£©Filch secrets from software

10£©Violate knowingly

11£©Collect information from garbage

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