Experience in compliance management of bank employees (1);
Recently, the construction of compliance culture has been advocated. Through the reappearance of the case, I deeply felt the importance and necessity of the construction of compliance culture, and I felt a lot.
First, enhance the sense of responsibility and strengthen responsibility supervision.
First of all, we should really understand the importance of responsibility. Whether it's an accounting position or a credit position, whether it's a front desk position or a back desk position, every employee of ours should always be aware of his responsibilities. No matter whether the business is unfamiliar or skilled, whether the business is busy or idle, whether the personnel are nervous or slack, we must strictly follow the rules and operate according to the rules. If we are tired of our work, lose enthusiasm, be careless in our thoughts, fail to check our business carefully, and don't want to explore new risk points, then the potential risks may have been constituted, and unintentional mistakes will lead to the occurrence of cases. We must always remind ourselves: "my slight negligence may bring trouble to our customers;" My little mistake may bring huge losses to CCB. "
Secondly, responsibility is a constraint. We have seen and heard many cases of warning education, most of which stem from a weak sense of responsibility. In the case, some people turn a blind eye to the illegal signs and signs of people around them; Don't remind or warn people with abnormal behavior as colleagues; What's more, not only did we not raise any objection, but we also gave the green light to the perpetrators because we didn't follow the rules. Due to a weak sense of responsibility, violations were not found and stopped in time. Because the sense of responsibility is not strong, it brings convenience to people with criminal intentions. If everyone is responsible for himself and others at the same time, then the restriction mechanism of our mutual supervision is not empty talk, and the goal of Ping An Construction Bank will not be far away.
Two, strengthen learning, improve their own quality, establish a solid professional ethics.
As a practitioner in the financial industry, business learning is important, but the improvement of ideological consciousness and the sublimation of moral quality need to be guaranteed through learning. On the one hand, we should consciously study, learn various internal systems and prohibitions, and understand what can be done and why not; Read more newspapers and news, learn more about good deeds, follow the example of people with positive energy, and reach the height of resisting corruption and preventing change ideologically. On the other hand, we should not neglect professional ethics because of the influence of the surrounding environment. Around us, there are many people who wear famous brands and drive luxury cars. We can't lose our professional ethics because of envy and imitation. Around our employees, an individual broke the rules and regulations and got a temporary benefit by luck. As other employees in the same environment, you can't have the wild idea that "I can do the same thing" just because "he did it", otherwise you will be trapped in it.
Third, practice and become a practitioner of compliance culture construction.
As an accounting supervisor, you should first study your business seriously, study hard and think more. Secondly, the inspection work is meticulous and solid, and it does not go through the motions. Before inspection, check the data clearly and consider the inspection method in advance; In the inspection, people are conscious, using their brains and hands, and combining business guidance with business inspection; After the inspection, put forward rectification suggestions and measures for the existing problems. Through inspection and supervision, we will make contributions to standardizing accounting, improving accounting level and preventing and controlling risks.
Experience in compliance management of bank employees (2);
In order to enhance the awareness of financial business compliance management and cultivate a good compliance culture, Liuxiang Sub-branch recently held a kick-off meeting on risk compliance education. The purpose of the meeting is to strengthen the study of compliance culture and carry out activities to promote compliance construction. The development of the banking industry is always accompanied by financial risks. The construction of compliance culture can establish a long-term mechanism for risk prevention and control, and achieve long-term stability, which will bring strong support and guarantee for the implementation of Minsheng Bank's business philosophy and system.
In recent years, economic cases in the financial system have not only seriously damaged the economic and financial order, but also seriously damaged the social reputation of banks. In recent years, professional 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 employees is neglected, and the relationship between ideological and political work and professional work is not properly handled. Taking corresponding measures to strengthen prevention from the source is an important line of defense against financial crimes in the new period. It is necessary not only to carry out positive education, but also to adhere to regular safety warning education, so that employees can strengthen their ideological defense line and often tell themselves that "reaching out will be caught", laying a good ideological foundation for putting an end to financial crimes and consciously walking along the river, that is, not getting wet shoes.
The bottom line of risk cannot be crossed, the bottom line of compliance cannot be touched, and the bottom line of morality cannot be broken. Strengthen the implementation of rules and regulations and the awareness of case supervision and prevention. Whether the rules and regulations are implemented or not depends on the clear understanding and proficiency of the employees. As for the implementation of rules and regulations, as far as front-line tellers are concerned, they should start from me internally, handle every transaction correctly, carefully examine every bill, supervise the legal compliance of authorized business, resist all kinds of illegal operation levels, and do a good job of mutual restriction and supervision. They should not deviate from the rules and regulations because of the feelings of their colleagues, and always adhere to the rules and regulations. Only in this way can our rules and regulations be implemented and our capital security be guaranteed.
Use your head to run a bank, run a bank with confidence, and run a bank in a down-to-earth manner. We should take the compliance requirements of the chairman as the goal and escort the version 2.0 of Minsheng Bank!
Experience in compliance management of bank employees' behavior (III);
In the study and education activities some time ago, I deeply realized that the growth of China Agricultural Bank 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 bring strong support and guarantee for the implementation of ABC's business philosophy and system, and also make it possible to establish a long-term mechanism for risk prevention and control and achieve long-term stability. Below, I will talk about some superficial views on how to improve the efficiency of banks and reduce financial risks.
First of all, we should put the concept of "customer-centered" throughout our work. "The foundation is solid and stable as Mount Tai; The foundation is not firm, and the ground shakes. " Risk prevention and control, in the final analysis, is the human factor playing an important role. Customers create markets and customers create value. Customers are the source of our interests and our parents. With customers, our business can develop and the value of employees can be reflected. If employees in each position can strictly meet the requirements, norms, standards and rules, the risks in business operations will be effectively curbed. It is necessary to vigorously advocate and publicize advanced concepts such as value maximization, capital constraint, comprehensive risk management, risk-return balance and internal control priority among all employees, so that all employees can understand the relationship between asset quality, economic added value and salary distribution, consciously change their concepts, and take their own work as the first line of defense, guiding and leading the employees of the whole bank to form a good atmosphere of standardized operation and risk prevention. Taking serving the front desk, grassroots and customers as the starting point and destination, improving the level of risk and return management can effectively improve the implementation and implementation of the bank's risk management and internal control policies, systems and systems, and play an irreplaceable role in comprehensively strengthening risk management and internal control construction.
Second, we should update our service awareness. In fact, the bank's business foundation is the market. Without market, there will be no bank, and without high-quality market and customers, there will be no bank business development. Strengthening marketing is an urgent task to improve our core competitiveness. From the point of view of our bank, our business service consciousness has changed to a great extent compared with before, but these changes are only on the surface and lack of deeper excavation. In the current increasingly fierce market competition, in order to be invincible in the competition, we must break through the original limitations, create personalized services, and attract customers with comprehensive and high-quality services. This requires us to establish a strong market awareness, be good at studying realistic and potential markets, be good at expanding high-quality markets, be good at competing for high-quality customers, and promote the rapid development of business through effective marketing. Personality is to identify with customer orientation and firmly establish the consciousness of serving high-quality customers, because 20% of high-quality customers will bring us 80% of operating profits.
Third, we should really improve the level and skills of risk management. On the one hand, from our own point of view, there are many restrictions on bank costs, including financial costs, tax costs, provision costs, capital costs, risk loss costs and so on. Under the planned economy system, we ignored the cost constraint for a long time, blindly increased the number of personnel and institutions, increased the scale, and ignored the cost, resulting in considerable waste. In addition, our internal management also has loopholes in cost constraints, lacking effective measures to control and save costs, and many leaders realize that employees do not have a good sense of saving costs. Practice has proved that unrestricted operation will increase business risks. Therefore, we should change the previous situation of blindly pursuing the growth of scale and quantity, emphasizing scale, ignoring benefits, emphasizing development, ignoring risks, emphasizing input and output, emphasizing short-term benefits and ignoring long-term benefits, implementing the understanding of various cost constraints in the management of banks at all levels, learning to develop healthily under the conditions of cost constraints, emphasizing cost management in every business, and carefully calculating and evaluating the ratio of input and output. On the other hand, the concept that "the awareness and potential of risk management are supported by customers" emphasized by advanced foreign banks is exactly what we lack. As an employee, personality is a leader. It is not enough to have the awareness of risk service, but also to have the skills of risk service. It is necessary to take effective measures to cultivate employees' risk awareness, let employees know what to do and what not to do, and ensure that operating procedures, post systems, law-abiding work standards and disciplines are strictly implemented in their work.
Punish rules, implement compliance management, compliance management and compliance management, so that the awareness of being alert to risks, facing risks squarely, managing risks and preventing risks will penetrate into the hearts of every employee, further strengthen internal control, enhance self-restraint and self-development potential, and bring effective protection to comprehensively enhance the core competitiveness of banks.
Fourth, we should establish a comprehensive, coordinated and balanced business philosophy. At present, the main source of our bank's profits still depends on customer business, but relying solely on this traditional business is far from meeting the market demand. With the development of the capital primary market, the financing channels of enterprises are gradually widened, and some high-quality customers no longer need the financing channels of banks. The advancement of interest rate marketization and the increasing diversification of customer demand force us to think about the future development. Real high-quality commercial banks should not only bring financial services to customers, but also bring intermediary services such as fund settlement, financial consultancy and wealth management services to customers. At present, the rapid expansion of intermediary business, the promotion of customer service value and the maximization of customer value require commercial banks to realize the balanced development of assets, liabilities and intermediary business. At the same time, because the development of intermediary business is not constrained by capital, it can make up for the limitation of the development of asset-liability business. Therefore, the coordinated development of assets, liabilities and intermediary business is not only the requirement of market economy law for commercial banks, but also the inherent requirement of commercial banks' operating rules. In order to enter the economy, while developing its business, ABC should fully promote the construction of compliance culture with employees as the main body and core, business-oriented, management-oriented, and operation-oriented. Through strengthening education and training, organizing risk point analysis, building prevention and control system, optimizing process, standardizing management, ensuring the quality of business development and other activities, the concept of compliance is everyone's responsibility and compliance creates value is deeply rooted in people's hearts. Let legal decision-making, compliance management, compliance management become the trend of the whole bank.
. Effectively rectify the chronic diseases such as non-compliance, illegal operation, repeated investigations and repeated crimes, eliminate hidden dangers of basic management in time, enhance the potential of risk prevention, and create favorable conditions for the sustained and healthy development of the business.
Experience of bank employee behavior compliance management (4);
In order to enhance the bank's awareness of compliance management, cultivate a good compliance culture, effectively prevent compliance risks, and operate in compliance with the law, Longchuan Post Bank held the annual activity plan learning meeting of Longchuan Post Financial Compliance Management on February 6, 2009 at 5438+07. The leaders and staff all took part in the study meeting with their hearts, and the learning atmosphere was strong. Through this study, I will report my learning experience as follows:
First, learn to comply with regulations and raise awareness.
In this learning activity, we systematically studied the materials required by the scheme, and I made study notes carefully at the learning meeting. Through learning, I have a deeper understanding of compliance management and realize the urgency of compliance management to prevent risks under the current new situation. Through learning, I have formed a working consciousness of "compliance management and risk prevention" ideologically. Through this compliance management study, I found my correct value orientation and enhanced my awareness of compliance management and compliance management.
Second, strengthen learning compliance management.
The concept of "compliance management and risk prevention" is the principle that we should adhere to at any time, anywhere and anything. It takes time to shape it, and it can't be done overnight. Personality For me who just came into contact with the financial industry, I can't just think about achieving my goal this time. There is still a lot to learn in the future work. We should continue to study the relevant rules and regulations in depth and strictly standardize and implement them. Only in this way can the risks in enterprise management be effectively contained. Not only should the awareness of compliance management be gradually improved, but my post operation and business skills also need to be further strengthened.
Third, compliance management starts with me.
Through this study of compliance management, I have established the concepts of "Everyone is responsible for compliance", "Compliance starts with me", "Compliance creates value" and "Compliance promotes development". As an ordinary employee, we should really implement compliance management in our daily work, consciously abide by compliance management, standardize operations, start from every specific business, cultivate compliance into a sense in a down-to-earth manner, and finally develop good work habits.
The study will end in just over an hour. Although the time is short, it is of great benefit to me. Through the study, I not only understand the significance of compliance management, but also have higher requirements for my professional quality and skills, and strive to standardize the operation in the future work.
Experience in compliance management of bank employees (5);
Through the previous stage of study, I deeply realized that the compliance culture education activities concentrated on the values, business philosophy, code of conduct, common beliefs, creativity, cohesion and combat effectiveness of the employees of Agricultural Bank of China, which is a strong political guarantee and organizational guarantee for promoting the reform and development of Agricultural Bank of China. With the development of this learning activity, I have further recognized my post responsibilities, purified my thoughts and improved my work potential. Next, I want to report the experience of this research:
First, strengthening compliance culture education is the need to improve management level. Carrying out compliance culture education activities is of far-reaching significance for standardizing business practices, curbing violations of law and discipline, and preventing cases. 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, strive to improve our comprehensive quality, better meet the needs of accelerating the development of the whole bank's business, enhance the potential of distinguishing right from wrong, resisting corruption and preventing change, and be firm and clear-headed in the face of big and big issues.
Second, strengthening compliance culture education is the need to establish a long-term development mechanism. The construction of corporate compliance culture education is a huge systematic project, which cannot be accomplished overnight. Compliance culture should include enterprise spirit, values, enterprise goals, enterprise system, enterprise environment, enterprise image, enterprise etiquette, enterprise logo and other materials, which constitute a cultural management concept with its own characteristics.
Third, strengthening compliance culture education is the need to improve economic efficiency. The main purpose of strengthening compliance culture education is to reduce financial risks and maximize the interests of enterprises by improving the cohesion and centripetal force of enterprises. We should do "three essentials" in our work. First, we must establish a correct guiding ideology. While pursuing profits, we should pay attention to the safety and liquidity of funds, and prevent the tendency of unilaterally pursuing high-speed business growth and neglecting risk prevention and internal control mechanism construction. Personality should prevent enterprises from speculating in banks. A project will inevitably lead to competition from many banks. In the competition, enterprises will definitely put forward some unreasonable conditions to banks, which will increase the loan risk. To weigh the pros and cons, to avoid
Sesame throws watermelon. I would rather not develop than blindly develop, resulting in new capital precipitation. Second, we must establish and improve various rules and regulations. We should always put system construction in a prominent position, pay attention to restraining people with systems, and regulate daily behavior with systems. To this end, it is necessary to formulate and improve a series of rules and regulations in combination with the actual work, insist on standardizing the business operation process with the system, ensure that there are rules to follow, effectively plug all kinds of loopholes, prevent the occurrence of violations, and ensure that there are no problems in every link. Drawing lessons from international advanced experience, using modern scientific and technological means attentively, we will establish and improve a monitoring, evaluation and early warning system covering all operational risks, pay attention to loan risk concentration and credit monitoring and risk early warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the major default registration and risk early warning system. It is necessary to establish and improve the internal control system, ensure the safety, liquidity and efficiency of operation, establish a balance mechanism of self-adjustment, self-restraint and self-control, establish and improve the internal control system of self-improvement in the process of pursuing self-economic interests, and strengthen the prevention of operational risks. Fourth, we should persist in ideological education. We should firmly grasp the important link of ideological education, often carry out the study of relevant rules and regulations, carry out the education of party style and clean government in a targeted manner, constantly enhance the awareness of operating according to law, and put forward our own views by using cases that have occurred around the financial system, so that all employees can always keep a clear head and consciously resist the erosion of various decadent ideas.
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