Fortunately, I participated in the X-day short-term training of "Behavior Decision and Risk Management" in xx School of Management. Although the time is very short, I feel that I have benefited a lot, especially Professor xx and Professor xx have analyzed and discussed people's different behavior decisions and their grasp of risks from the perspective of psychology.
First, do a good job in information collection, analyze problems from multiple angles, and make rational decisions. People always have to make different decisions in their life, such as study, work and life. It is very likely that a decision will change people's future development path, so try to make rational decisions. How can we make a rational decision? First, we should collect relevant information for the problem and collect it as comprehensively as possible. Secondly, we should establish a feasible scheme to solve the problem according to the information. Third, we must do a good job in program evaluation. Fourth, we should choose the best scheme. In the decision-making process, we should pay special attention to anchoring effect and frame effect, and think from the perspective of others. If we do these four steps well, we can better deal with many uncertainties in the processing and reduce the decision-making deviation. As written in the case of Chen Tianqiao's entrepreneurship in the classroom, "at every turning point, if the right decision is not made, Chen Tianqiao's entrepreneurial story will be rewritten." We are the same. At every turning point, we should analyze and judge rationally and make careful decisions. Only in this way can we lay a good foundation for the future life path and not deviate from our ideal development path.
Second, avoid the deviation of judgment and decision-making and do a good job in risk management. At work, due to the influence of personal knowledge, literacy, growth environment, educational experience, work background and other factors, there will be various deviations in our thinking, such as sensory deviation, cognitive deviation, memory deviation, environmental deviation, etc., which may easily lead to "turning a blind eye to Mount Tai" and "group thinking", which may lead to wrong decisions and risks. From the case of the collapse of Bahrain Bank, I once again feel the importance of risk management. Nick the criminal. Alison's illegal operation, coupled with serious gambler psychology, overestimated the form and concealed important information. Driven by interests, she completely ignored the existence of risks. Coupled with the chaotic internal management and ineffective monitoring measures, Bahrain Bank lost many opportunities to curb the further expansion of risks, which eventually led to the collapse of the century-old bank. Therefore, in the game with the market, we should constantly enhance the risk awareness, lock the risk in the controllable range and do a good job in risk management.
Third, according to the theory of three reference points, do a good job in bottom line regulation and target regulation, and manage risk decisions in daily life. We often set ourselves some goals to constantly motivate ourselves to work hard for the set goals, but we may rarely consider what our bottom line is, and sometimes we may set the bottom line as a goal, so we can't manage the risk decisions in our daily life. For example, to manage money for customers, we should fully understand their needs, their bottom line, current situation and goals. In this way, it is possible to make a feasible financial plan for customers and tell them under what circumstances they can get high returns and under what circumstances they can break even. Otherwise, if we just set the profit target optimistically, it will be difficult for customers to accept and agree when there is a risk situation.
Decision-making is as ubiquitous as risk. How to manage risks and make the right decisions? I think different people have different opinions. So, I want to use this sentence in the University to encourage everyone to * * * "Zhi Zhi, then decide, then calm down, then settle down, then worry, and then get it.
In order to enhance the awareness of compliance management of postal financial business and cultivate a good compliance culture, 20xx is designated as the "Compliance Management Year" of our bank, which is at a critical period of postal savings system reform. It is very realistic and necessary to carry out the activities of promoting compliance construction. The growth of postal savings business is inseparable from open and closed management, and it is also accompanied by the prevention and control of financial risks. Promoting the construction of compliance culture will certainly provide strong support and guarantee for the implementation of our business philosophy and system.
By participating in the "Compliance Management Year" organized by the municipal bank with the theme of "compliance construction, standardizing processes and laying a solid foundation", I have a deeper understanding of compliance management. The first step of compliance management is to establish a compliance culture atmosphere of full compliance, compliance from top to bottom, compliance initiative and compliance creating value. This study is a good opportunity.
The main contents of this study are: the guiding ideology of the year of compliance management, the establishment of organizational leadership, the arrangement of activity stages and the key contents of the year of compliance management, including carrying out "four evaluations" and printing and implementing "four measures".
Through the study, I further realized the importance and urgency of operating in compliance with laws and regulations to the operation and management of the Bank, and deeply realized the harmfulness of operating in violation of regulations and high incidence of cases. Operating according to law is the basic principle of modern xx bank management, and it is also the guarantee to adhere to the correct operating direction, and it is also the fundamental place for financial enterprises to develop themselves and guard against financial risks. Therefore, in business management, we must do the following work well to ensure the healthy and rapid development of our work.
First, improve the ideological quality of employees.
Strengthening employees' concept of operating in compliance with laws and regulations, strengthening employees' study of laws, regulations and rules, and strengthening ideological education are important means to eliminate violations from the source. Strengthen the risk prevention education for our employees, so that everyone can realize the complexity of society and the universality of bank operation risks, and realize that banks themselves are high-risk industries and must put risk prevention first. Start from one's post every day, consciously abide by various rules and regulations, consciously resist all kinds of violations of discipline and rules and regulations, eradicate trust instead of management and habit instead of discipline, regard system as life, correct violations as mine clearance, enhance risk prevention awareness and self-protection awareness, improve standardized operation, and eliminate cases from the source.
The second is to establish and improve various rules and regulations and strengthen internal control management.
Judging from the economic cases in the financial system in recent years, the "ten cases and nine violations" have rules to follow, illegal operation, poor inspection and poor supervision are the important roots. Numerous cases, accidents and lessons reflect that there are still some loopholes in internal control management. It is the imperfection of the system that leads some people to take advantage of loopholes, thus causing the loss of state funds. We should learn lessons, constantly improve and perfect various rules and regulations, take internal control management as the premise of risk prevention, conscientiously implement the provisions of the case prevention responsibility system, promote the strengthening and perfection of internal control mechanism, and strive to develop business under the premise of standardization.
While developing business, we should strengthen standardized management to ensure that all business processes and rules and regulations are within the constraints. Perfect rules and regulations and strict internal management are the guarantee to prevent economic cases. To this end, we must conscientiously do a good job in system construction. On the one hand, we should organize learning according to the characteristics of our front-line teller work, so that all post personnel can truly understand their responsibilities, refine the system and strictly operate through learning. Effective prevention and supervision in advance is an important link in preventing economic cases, and self-examination and self-exemption of this post is the first; Secondly, we can use regular or irregular self-inspection, superior inspection, interactive inspection and other methods to find and correct deviations in work in time. Effectively control and restrict all aspects of business work. In addition, our bank also requires to collect and sort out some accounts of basic management work. We are mainly responsible for sorting out the accounts of employee names, attendance registration and bonus distribution, which is a good way to strengthen basic management.
Third, strengthen the implementation of rules and regulations and the awareness of supervision and prevention.
Banks are known as "three railways:" iron system, iron abacus and iron account book ". It is precisely because of the "three railways" of banks that banks can gain trust in the hearts of the people. Whether the rules and regulations are implemented or not depends on the clear understanding and proficiency of the employees. It is a taboo for all industries to follow the rules and avoid them. As for the implementation of rules and regulations, as far as front-line tellers are concerned, they should start from me, correctly handle each business, carefully review each account, supervise the legal compliance of authorized business, strictly implement the safety precautions of business operating system and resist all kinds of illegal operations. Stick to the rules from beginning to end. Only in this way can our system be implemented and our capital security be guaranteed. No matter how good the system is, if it is not implemented well, it will go to the opposite side.
In recent years, economic cases in the financial system have not only disturbed and destroyed the economic and financial order, but also seriously damaged the social reputation of banks. Taking corresponding measures to strengthen prevention from the source is an important line of defense against financial crimes in the new period. In recent years, job-related crimes in banks are on the rise. One of the important reasons is that ideological education is neglected, and the importance of professional work is only emphasized at ordinary times, while the ideological construction of cadres and workers is neglected. The relationship between ideological and political work and professional work is not handled properly. It is not only limited to positive education, but also to regular case warning education, so that cadres and workers can strengthen their ideological defense lines and often warn themselves that "reaching out will be caught", laying a good mass foundation and ideological foundation for eliminating financial crimes.
Four, banks should establish a positive incentive mechanism and the corresponding punishment mechanism.
Positive incentive measures are necessary measures to ensure the implementation of various rules and regulations, but a certain punishment mechanism is also essential. Only by combining the two can it become the guarantee for the effective implementation of rules and regulations.
Through this compliance education activity, I found my correct value orientation and right and wrong standards, identified my work foothold, and enhanced my awareness of compliance handling and compliance management. Through the in-depth study of relevant systems, there is a higher requirement for improving their professional quality and the consciousness of implementing the system, which is helpful to identify and control the industry.
Strengthening the ability to cope with various risks in business, actively standardizing operational behavior and eliminating potential risks, building confidence in the reform of the Postal Savings Bank, enhancing the sense of responsibility and mission to safeguard the interests of the Postal Savings Bank, and establishing a good compliance culture have all played a great role in helping. I sincerely hope to have more such learning opportunities in the future.
Bank Compliance Operation Experience: 2022 Highlights (3) Reflections on Compliance Education? Mencius said, "If you don't obey the rules, you won't be Fiona Fang." As a new employee, my first lesson is how to avoid risks. Understanding the key points of risk events and mastering various business processes are the most basic qualities of an ICBC employee. So on the first day of registration, I began to recite a series of rules every day, such as ten no illegal operations, eight no, six no and one no disclosure, a kind of risk event standard, always reminding myself not to touch the bottom line.
After carefully reading ten risk cases, I have a deeper understanding of these standards. Employees participate in illegal fund-raising or private lending activities to seek high profits;
Employees deliberately inform customers of false information, induce customers to make wrong investments or accept customers' interests, and engage in activities that harm the interests of banks;
Interception or exchange of customer e-banking authentication tools, embezzlement and misappropriation of customer funds;
Employees violate the interest rate of the People's Bank of China and the interest rate management regulations of the Bank, and raise or lower the interest rate without authorization to seek benefits for themselves or others. Comparing these risk events, I deeply feel that the financial industry is a high-risk industry, and the revision of these rules and regulations must stem from these experiences and lessons. These painful lessons taught me that I must know the law and abide by it, and never touch the bottom line of morality and law! The bank's business is diverse and needs some time to learn. But in terms of ideological consciousness, we must improve it immediately, and we must not be a little sloppy. Establishing internal control is also a business, and safety is also a benefit. Risk management creates value, positive supervision, negative prohibition, and behavioral monitoring norms. It is very necessary for modern financial enterprises to strengthen internal control management. We should not only sing slogans, but also implement them. As employees, we should master business skills, strengthen business capabilities, and enhance compliance awareness on the basis of these capabilities. Xx branch has a profound cultural background. Everyone has the same goal and keeps forging ahead. After the risk incident, they further reflect and strengthen their own internal control management, which is pressure and motivation for our new comrades. I will actively respond to the activities of laying the foundation year, seize the opportunity to keep learning business and improve my ideological consciousness.
Don't do it because of small goodness, and don't do it because of small evils. How to start from myself is what I should think about most now. In order to meet their own requirements, and constantly deepen their awareness of compliance. I should start with the following points:
1. Strengthen reciting and copying a series of rules for employees. Through mechanical memory over and over again, I can get a mental buzz immediately before the invasion comes.
2. Strengthen business learning ability. Practice basic skills hard, get the qualification certificate and understand the business in many ways. You can talk to old employees privately, feel the importance of control from experience and practice, and improve your ideological consciousness while understanding your business.
3. Seriously study the 20xx annual case risk investigation implementation plan. By classifying the latest risk events, we can improve our grasp of the key points of risk events and deepen our legal and moral awareness.
Only by strictly following the rules and regulations and carefully studying the business and legal provisions can we understand what can and cannot be done, what should and should not be done. Only by doing business professionally according to the principle of "one settlement at a time" can we hold the first pass for customers. Compliance education has gone deep into my heart, and I will stick to it all the time, deepen my awareness, turn my awareness into action, and make action a habit.
Shaping the culture of compliance workers and being compliance workers. I am proud of ICBC today, and ICBC will be proud of me tomorrow. I will try my best to explain what I mean for ICBC.
According to the requirement of xx Banking Association of Sichuan Province for 20xx years of compliance online learning, the xx compliance course has been completed with good quality and quantity within the specified time. Compliance is the key point of a bank's steady operation, and it is also the duty that every employee should perform. Combined with the actual work at ordinary times, I have a deeper study of professional ethics, compliance awareness and supervision and prevention awareness. Now, I want to sum up some experiences of this study.
With the competitive pressure between banks and the impact of internet finance, some banks attach importance to business development, ignore the guidance of values, and have insufficient understanding of the importance of values. They regard business work as a hard indicator, regard ideological and political education as a soft task, pay too much attention to work performance, and ideological and political education is divorced from actual business work, lacking formal job responsibilities, professional ethics and rigid institutional education. Through these problems, our employees are required to strengthen compliance learning, abide by laws and regulations, and abide by work discipline.
1. Enhance compliance awareness and ideological education.
This paper discusses the outlook on life, values and world outlook of bank employees from all aspects, and enhances their ability to consciously resist the erosion of decadent ideas. Front-line employees of banks are often exposed to the management and use of a large amount of cash. In this process, they will face the temptation of money, may be driven by desire, illegally occupy or misappropriate the managed funds, and will also be corroded by some lawless elements. Infiltrate compliance education and ideological and moral education into business, operation, management, finance, distribution and other links, closely focusing on business and operation management.
Insist on doing a good job in people's work in an important position, and grasp it together with professional work. Ideological and moral education should build a strong ideological defense line to prevent and resolve financial risks. It is necessary to combine regular ideological education, strict management and severe punishment, establish three lines of defense in ideology, system and law, and organically combine internal and external constraints to fundamentally curb the occurrence of financial cases and financial irregularities.
Through ideological and moral education, let employees realize the importance of standardized operation and strict management, as well as the harm of neglecting management. Educate employees so that they are afraid, unwilling, unwilling and unable to commit crimes.
2. Strengthen compliance learning and enhance risk prevention ability.
Although the internal rules and regulations of banks have been relatively sound and strict, there are still problems such as rules not being followed, irregularities not being corrected in time, lax system implementation and lax management. Strengthening compliance awareness, strengthening compliance learning and preventing duty crimes require the joint efforts of bank employees and banking institutions, and finally eliminate duty crimes in the bud. As front-line employees of banks, they should comprehensively strengthen counter service, fulfill their duties, strengthen business study, especially the study of various rules and regulations, be familiar with and master the requirements of various rules and regulations, improve their business ability, earnestly perform their duties, and effectively prevent case risks.
3. Be strict with yourself, be strict with yourself.
Due to the particularity of bank work, there will be huge amounts of money in daily work, there will be the temptation of money, there will be the contrast of income disparity, and the personal values, power and interests of employees will be distorted. Faced with the temptation of money, they will have an unbalanced mentality and a compensation mentality, and they will also have a lucky mentality, and the idea of muddle through will continue to breed. We should overcome these unfavorable psychology, grasp the correct direction of life, firmly hold our professional ethics and ideals, stay away from bad psychology such as greed, luck and comparison, establish correct concepts, be cautious, be cautious, be independent and cautious again, and lay a solid foundation for self-discipline. Calculate economic accounts, credit accounts, family accounts, free accounts and family accounts, and enhance personal integrity and self-discipline.
In a word, this compliance study has benefited me a lot. I deeply realize that our bank employees should maintain good professional ethics, be honest and trustworthy, be diligent and conscientious, adhere to compliance management, and strictly implement the provisions of clean business. If you want to get a better future, you need to rely on the self-discipline efforts and efforts of every employee!