Bank internal control experience 1
Over the past 20 years, the Bank has adhered to strict management, attached great importance to internal control management, and made internal control an important task. On the premise of strictly implementing the systems and measures of the superior bank, it has made efforts to improve and refine the internal control management system and do a good job in various internal control work in combination with the actual situation of the branch. In order to achieve business objectives, the Bank adhered to the business strategy of combining business development with internal control management, and played an active role in standardizing operational procedures and preventing risks. The basic situation of internal control management of the Bank is now reported as follows:
First, strengthen the systematic combing and learning.
Since the beginning of this year, the bank has sorted out the rules and regulations of various lines, carefully organized and guided relevant policies in view of the changes in new documents, and always implemented the latest system requirements and regulations in actual business operations and operations to ensure that the relevant business operations of the bank are in compliance with laws and regulations. In April this year, according to the contents of the education month activities of branches, the Bank comprehensively and thoroughly carried out activities such as Ten Prohibitions for Tellers and Responsible Persons in Business Institutions, Professional Conduct for Employees in Banking Financial Institutions, Staff Code of Bank Co., Ltd., Measures for Handling Employees' Disciplinary Violations, Several Provisions for Leaders of State-owned Enterprises, Several Guidelines for China to Produce Leading Cadres in party member, and Regulations on Inner-Party Supervision.
Two. Continue to implement personnel control measures for important positions.
In strict accordance with the requirements of relevant systems, the Bank has identified incompatible positions and businesses in business links such as the use of teller number, account opening, seal inspection, business seal keeping, reconciliation, bill exchange, and authorization confirmation of large-sum fund receipt and payment. Resolutely put an end to the occurrence of problems such as string posts, mixed posts or illegal post filling and part-time jobs. At the same time, the bank has implemented rotation and compulsory leave system for personnel in important positions as required. At present, it has completed rotation for 3 people and compulsory leave for 3 people.
III. Insist on controlling important operational links and high-risk businesses.
The Bank shall check the implementation of the Double Ten Prohibition at least once a month; Check the accounts and accounts of cash, important blank vouchers and precious metals at least once a month; Check account opening, loss reporting, account freezing, large deposit and withdrawal and transfer, customer's reserved seal, business seal and teller's private seal at least once every quarter; At least once a quarter, take the initiative to understand the reconciliation of key customers of the Bank.
Fourth, actively carry out risk investigation this year.
According to the latest documents of provincial banks and sub-branches this year, carry out risk investigation, further strengthen the management of all business links, standardize daily operations, and enhance employees' compliance and risk awareness.
(1) company line
According to the requirements of the document "Defining the Management Requirements for the Verification Authorization Registration System for Large-value RMB Transactions", the Bank once again conducted self-examination and standardization on the verification standards, personnel, methods and registration of large-value RMB transactions to ensure the legal compliance of the operation and implementation of this business.
(2) A gold bar line
1. According to the requirements of the Notice on Sending Personal Customer Information of Bank Co., Ltd. (version 20__), further standardize the inquiry and access of personal customer information of the Bank and do a good job in personal customer information of the Bank.
2. According to the requirements of the Notice on Issuing the Risk Investigation Scheme for Personal Financial Services of Sub-branches, from August 2000 to March 2000, the Bank conducted a comprehensive and one-by-one self-examination of personal financial products handled by employees through the personal financial sales system, focusing on checking whether employees handled personal financial services by taking advantage of their work. After self-examination, our wealth management business is compliant, and there is no such situation.
(iii) Supervision and legal compliance
1. In accordance with the requirements of the Notice on Risk Tips for Bank Employees' Disclosure of Customer Information, the Bank has earnestly done a good job in ideological education and management of employees and intensified staff training.
2. According to the requirements of the Notice on Strengthening Risk Prevention of Employees' Self-operated Business and Transferring Customers' Funds with Personal Accounts, the Bank provided business guidance and learning to employees, cultivated a culture of operational risk management for all employees, and standardized the counter operation process.
Five, the staff thought dynamic analysis and behavior investigation system in place.
Recently, the bank organized and carried out an analysis of employees' ideological trends and behavior surveys, and grasped the ideological trends and behavior changes of each employee through observation, conversation, meeting analysis, home visits and customer return visits. At the same time, we often communicate with each employee, educate employees on "Double Ten Flags", ideology and morality, compliance management, case warning, etc., smooth communication channels, and encourage each employee to make suggestions for the compliance and internal control work of the sub-branch.
Thanks to the unremitting efforts of the leaders of the sub-branches and the employees of the whole bank, the Bank's internal control and compliance work is running well. In the future work, the Bank will continue to attach great importance to internal control and compliance as a long-term unremitting work, so that compliance and internal control can escort the business development of the Bank.
Experience in internal control of banks II
Since the Head Office carried out the comprehensive evaluation of internal control in, the Bank has attached great importance to internal control management as an important task. On the premise of strictly implementing the systems and measures of the superior bank and combining with the actual situation of the branch, it has made efforts to improve and refine the internal control management system in order to achieve business objectives, maintain property integrity and ensure the accuracy of accounting information and the legitimacy of financial revenue and expenditure. The business policies and decisions of decision makers can be implemented smoothly, and the work efficiency and economic benefits can be improved. The Bank adhered to the business strategy of combining business development with internal control management, and played an active role in standardizing operational procedures and reducing financial risks.
The internal control management of the whole bank is now reported as follows:
First, the basic situation of internal control management
The sub-branch consists of seven functional departments: office, personnel supervision department, planning and credit department, market customer department, financial accounting department, international business department and compliance department, 1 trade union office and 1 party committee office. It has 1 1 business institutions, including business departments, sub-branches, sub-branches, sub-branches, branch companies, branch companies, branch companies, branch companies and 6 savings offices. By the end of 10, the Bank had employees, including long-term contract workers and short-term contract workers. In terms of institutional setup, functional departments are horizontally and parallelly restricted, front-office and back-office business are separated, personnel and responsibilities are clearly defined in post allocation, documents are issued in time in system construction, and learning is put in place. In system implementation, standardized operation is strictly required to reduce operational risks, and self-discipline supervision and re-supervision are strengthened in system guarantee to protect internal control management. Generally speaking, the Bank's internal control management is focused on by the leaders, organized and implemented, with clear responsibilities, interlocking three lines of defense, and continuously enhanced risk prevention capabilities.
Two. Main measures, effects and achievements of internal control management in that year
In order to ensure good internal control management of the whole bank, this year, the Bank adopted the following measures in internal control management:
1. Leaders attach importance to it and organize its implementation. Since # #, the bank's leaders have always attached great importance to the internal control of branches, and regarded strengthening internal control as an important means to improve management level, standardize business operations and improve the overall quality of employees of the bank, ensuring that ideological understanding, work measures are in place, organizational system is sound, and punishment and rectification efforts are intensified. The Bank has set up an independent audit department, and the internal control work is led by the audit department. This year, * * * organized on-site audit, the number of participants. Since the beginning of this year, according to the requirements of the president's office meeting, the work plan has been formulated, and the important post responsibilities in the audit of livestock storage, savings offices, savings offices and sub-branches have been delegated to individuals. The staff of the Audit Department of the branch conducted an extended inspection of the problems found in the supervision, established a problem rectification account, and supervised the self-examination and self-correction of internal control evaluation.
2 timely convey the new policies, new systems and new measures of the CBRC, the People's Bank of China and the superior bank. According to statistics, by the end of September, * * * had forwarded more than ten business documents of internal and external superior banks to branches at the same level, and forwarded many business documents of internal and external superior banks to business institutions. After receiving the documents, employees were organized to study in time, which strengthened their familiarity with national financial policies, systems and methods, and standardized business operation procedures.
3. According to the actual situation of the bank, constantly improve various effective rules and regulations. According to the spirit of the document of the superior bank, our behavior further penetrated into the specific business development and internal control management. This year, the sub-branch issued various system support and business documents, newly established committees, groups, leading groups and leading groups, adjusted the annual business target assessment methods, and revised the post responsibilities of the functional departments of the sub-branch. The promulgation of regulations and measures provides an effective institutional guarantee for internal control management from the aspects of organization and responsibility.
4. Attach great importance to the existing problems, clearly implement the responsibility for rectification, and do a good job in rectification. The rectification work is led by the Compliance Department of the sub-branch and supervised by the competent business department, and the units with problems implement rectification. The Compliance Department establishes a bank-wide rectification ledger, registers all kinds of internal and external inspection problems and rectification results of the superior bank this year one by one, and sends a notice to the competent business department to monitor the rectification of each unit throughout the process. The competent business department shall establish a systematic rectification account for the problems existing in various internal and external inspections and quarterly self-discipline supervision of the superior bank, and carry out rectification at the grass-roots level according to the notice, and adhere to the principle of "who handles, who corrects and who does not". Through measures such as responsibility in place and vertical and horizontal integration, except for objective reasons, it is really difficult to rectify, so that rectification does not leave a dead end and does not go too far.
5. Self-discipline procedures have been gradually standardized, and penalties have been significantly increased. In September, the sub-branch severely punished the relevant personnel who violated the basic accounting operation and system according to the Measures for Handling Bank Employees' Violation of Discipline and the Measures for Auditing Punishment, and fined * * * person-times, amounting to RMB.
6. Actively organize employee training to improve employees' awareness of standardized operation.
Experience in internal control of banks III
The discussion on the construction of compliance culture is of positive and far-reaching significance for standardizing business practices, curbing violations of law and discipline and preventing cases. On the one hand, it is necessary to unify the understanding of leaders at all levels on strengthening the construction of compliance culture, so that they can become advocates, planners and promoters of corporate compliance culture construction. Today's society is a knowledge-based economy, with all kinds of new things constantly emerging, new businesses and new knowledge emerging one after another. The development of the situation requires us to constantly strengthen our study, comprehensively and systematically learn the knowledge of political theory, financial business, laws and regulations, constantly update our knowledge structure, and strive to improve our comprehensive quality to better meet the needs of the accelerated development of the whole bank's business.
In accordance with the requirements of "one post and two responsibilities", we should conscientiously perform our duties, pay attention to strengthening the study of political theory, economy, finance, laws and regulations, constantly improve our comprehensive quality, enhance our ability to distinguish right from wrong, resist corruption and prevent change, and be firm and clear-headed in the face of big and big issues.
At the same time, it is necessary to further correct the guiding ideology of operation, enhance the awareness of legal compliance and prudent operation, guide all business activities of the Bank on the right track, and promote the healthy and effective development of all businesses. On the one hand, it is necessary to improve the understanding of all employees on the discussion activities of compliance culture construction. Our cadres and workers are the main body of corporate compliance culture construction, and they are also the practitioners and creators of corporate compliance culture. Without the active participation of employees, it is impossible to build a good compliance culture enterprise, let alone let employees abide by the law. In reality, many employees lack scientific knowledge and understanding of the connotation of corporate compliance culture education, and confuse corporate compliance culture construction with corporate general cultural and entertainment activities, thinking that just saying a few words, organizing some cultural and sports activities, singing and dancing are corporate compliance culture construction. To carry out a big discussion on the construction of compliance culture among all employees is to let everyone realize the extreme importance of the construction of compliance culture and actively participate in it through study and discussion. Secondly, make great efforts to do a good job in all-staff training and assessment, and strive to make business training comprehensive, systematic, professional, practical and promotional, so that all business personnel are familiar with the system and strive to be qualified tellers and experts; Through a series of activities, let all employees correctly grasp the real scientific connotation of corporate compliance culture construction, consciously integrate into corporate compliance culture construction, enhance the awareness of internal control governance, pay close attention to basic governance, and promote compliance management according to law.
Experience of internal control in banks
Compliance management is an inherent requirement for the steady operation of banks, a duty that every employee must perform, and a powerful weapon to protect their own vital interests. Through the study of the internal control system of the whole bank, I have a deeper understanding of compliance. In the compliance cases I study every month, I deeply understand the importance of bank compliance. Every case profoundly warns us to strictly abide by compliance and start from me.
The quality and benefit that banks depend on come from operating according to law, from every link that produces quality and benefit, and from every employee in every position. The development of banks must be based on legal and compliant operations and prevent risks from the source. Strengthening the awareness of compliance operation is not an empty talk. Sometimes I always feel that some rules and regulations are binding the handling of business and restricting the development of business. Think carefully, in fact, the establishment of various rules and regulations is not the product of imagination, but the summary of many practical work experiences and lessons. Only by following various rules and regulations can we protect the rights and interests of ourselves and our customers. Compliance is not a day's work, and violation may be a matter of thought. So mind your own business. Insist on handling every business according to the operation rules, and implement the habitual compliance operation in all business activities in job embeddedness, so as to make the habitual compliance action become habitual compliance operation.
There are many real people around us. Many people think that when it comes to compliance, they are bound, feel that business is not good and development is also affected. When they accept compliance management, they will always unconsciously have some resistance, but we must understand that compliance and business development are not contradictory, let alone antagonistic. Ten minor violations may lead to major accidents, which requires us to control risks from the root causes, put an end to illegal operations, and truly integrate compliance culture into employees.
"Compliance management" is the principle that we should always adhere to. Through this study, I have established the concept that everyone is responsible for compliance and start from me. As an ordinary employee, especially for our front-line retail employees, it is not only this time to learn, but also a lot to learn in future work. Continue to study deeply, and compliance cannot be achieved overnight. It is necessary to truly implement compliance management in daily work, consciously abide by compliance management, standardize operations, start from each specific business, and develop good work habits in a down-to-earth manner.
Experience of internal control in banks
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.
Compliance management is an inherent requirement for the steady operation of banks, a duty that every employee must perform, and a powerful weapon to protect their own vital interests. Through the study of internal control system carried out by the whole bank, we have a deeper understanding of compliance. As a member of Lingcheng Rong Yuan Rural Bank, I deeply understand the importance of compliance. Now talk about your own experience in this research:
Compliance management is the need to guard against operational risks of commercial banks. Compliance management is the need to standardize business practices, curb violations and prevent cases, comprehensively guard against risks and improve management level. It can create value for banks, and effective compliance management can eliminate compliance risks invisibly.
Compliance management is the need for commercial banks to improve their systems. The quality and benefit that banks depend on come from operating according to law, from every link that produces quality and benefit, and from every employee in every position. The development of banks must be based on legal and compliant operations and prevent risks from the source.
Compliance management is an important guarantee for banks to achieve their development goals. Compliance management is to protect business and serve to better promote business development. In the process of development, business expansion and peer competition, only by adhering to the concept of compliance management and improving management quality can we ensure the durability of banking business.
Strengthening the awareness of compliance operation is not an empty talk. Sometimes I always feel that some rules and regulations are binding the handling of business and restricting the development of business. Think carefully, in fact, the establishment of various rules and regulations is not the product of imagination, but the summary of many practical work experiences and lessons. Only by following various rules and regulations can we protect the rights and interests of ourselves and our customers.
We should learn lessons, constantly improve 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 improvement of the internal control mechanism, strive to develop business under the premise of standardization, and strengthen standardized management while developing business to ensure that all business processes and rules and regulations are within the scope of constraints.
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