Adjust the management mode of bank employees and improve their work enthusiasm. Below, I have compiled the management measures for bank employees for everyone. Welcome to read the reference!
Measures for the Administration of Banking Employees Chapter I General Provisions
I. In order to standardize Fuqiang Credit Cooperative (hereinafter referred to as? Credit union? ) Employees' professional behavior, educate and guide employees' self-discipline, improve employees' professional quality and professional ethics, and formulate these rules and regulations.
Two, these rules and regulations apply to all employees of this credit cooperative.
Three, rules and regulations are the basic norms for credit cooperatives employees to perform their duties.
4. These rules and regulations cannot replace the specific provisions of business rules and regulations, and employees should also abide by relevant rules and regulations in their work.
The second chapter is a brief overview.
1. Working hours are 7:30, and off hours are 17:00. Those who arrive late and leave early will be punished and fined according to the relevant provisions of the labor law. If it is necessary to ask for leave during working hours and under special circumstances, the corresponding salary must be deducted in accordance with the labor law. And linked to the year-end benefit salary.
Second, in order to maintain the corporate image, work clothes should be worn uniformly during working hours, and casual clothes are not allowed. All scarves and ties should be worn.
Third, do a good job of cleaning your post every day and keep it clean and tidy. Articles in the business room should be placed neatly, and it is forbidden to place articles unrelated to business. Do not put the cup on the workbench.
Four, when the business leaves the system, it should exit the integrated system and lock the tail box. Luggage keys shall not be placed at will.
5. Complete the work tasks within the specified time during office hours, and do not delay the business process without reason. Inform the customers concisely about the business that cannot be handled. No sleeping, eating snacks, reading newspapers and books that have nothing to do with business.
Six, do business in civilized language, don't argue with customers.
Seven, all kinds of registration books should be registered, and all business operations should be operated correctly according to relevant regulations.
Eight, all front desk tellers should implement the system of three nuclear warehouses a day, and the vouchers, seals and cash should be checked correctly.
Nine. The elements filled in the voucher must be complete and not altered: if you want to keep a copy of the customer's ID card, you must keep it.
Ten, collateral for the first floor or the bottom of the house, to reduce the mortgage ratio, good conditions, consult the director and the competent director, and then study the loan, to determine whether to handle.
1 1. Notify the loan maturity 15 days in advance, and the loan officer is responsible for reminding the loan maturity before the non-credit personnel market and making corresponding records.
Twelve, according to the law to sue the loan should inform the parties at the first time, set up a legal prosecution account, contact with the judge to have a written record.
Chapter II Detailed Rules for Implementation
First, employees should be loyal to credit cooperatives, be honest and trustworthy, proceed from the best interests of credit cooperatives, faithfully perform their duties, and work diligently and cautiously.
Second, employees should strengthen business learning and improve their financial business ability and knowledge level; Forge ahead, be realistic and innovative, and actively put forward constructive opinions and reasonable suggestions.
Three, employees should establish a sense of dedication and overall situation, and actively safeguard the interests of credit cooperatives.
Four, employees should be in accordance with the requirements of job responsibilities, high standards, high quality and high efficiency to complete the task. (a) employees should improve their work efficiency, complete their tasks within the specified time according to business processes and business standards, and must not delay business processes without reason; (2) For the work assigned by the higher authorities, the employees of this institution shall reply in time according to the prescribed procedures and within the prescribed time, and shall not shirk or delay.
Five, employees should objectively, comprehensively and realistically reflect and report what they know and find in the performance of their duties, and truthfully summarize and report the achievements and problems in their work. No fiction, exaggeration, concealment, misleading and other acts; Don't deliberately hide the mistakes in your work.
Six, employees should be honest and objective to maintain the legitimacy, authenticity, integrity and accuracy of bank accounts and information. The following acts are prohibited, including but not limited to: (1) any act of not recording business according to the accounting system; (2) Acts of fabricating false bank accounts and information, such as fictitious trading volume, false contract signing, and artificially adjusting data;
Seven, employees should abide by the provisions of the credit cooperatives on keeping business secrets. The following behaviors are prohibited, including but not limited to: (1) Talking about information that belongs to trade secrets or is controlled in inappropriate occasions; (2) Accepting interviews with public media about credit cooperatives without authorization or approval, and publishing opinions and news on public media in the name of credit cooperatives or employees of credit cooperatives.
Eight, employees should take the initiative to learn and master the laws and regulations related to this position and the rules and regulations of credit cooperatives, develop the awareness and habits of obeying the rules and regulations, and consciously abide by the laws and regulations and the rules and regulations of credit cooperatives.
Nine, encourage employees to actively intercept, report and resist all kinds of violations and dangers.
Acts that damage the assets and credit of credit cooperatives. If you know or know that other employees have seriously violated the rules and regulations of the credit union and endangered the assets and credit of the credit union, you should immediately report to the competent person, the supervision department or the higher authorities. Reporting violations of laws and regulations should be objective and true, and real-name reporting should be advocated. Do not fabricate or distort facts, and do not falsely accuse or frame others.
Ten, for the possible loopholes or deficiencies in the rules and regulations, employees should proceed from the general rules and the best interests of credit cooperatives, understand in good faith, and shall not deliberately misinterpret or maliciously use them. If in business activities, a still-implemented law and regulations or rules and regulations of credit cooperatives affect business development, employees can put forward opinions or reasonable suggestions, but they must not violate or make changes before making adjustments. If employees have doubts about the rules and regulations of this post, they can ask for explanations and guidance from the competent personnel, institutions at the same level or higher authorities.
Eleven, employees should be in accordance with the post responsibilities and scope of authorization, business procedures, prudent in business. The following acts are prohibited, including but not limited to: (1) engaging in business beyond authorization or job responsibilities; (two) reverse program, program restore operation or black-box operation; (three) without authorization or approval, on behalf of other post personnel to perform their duties or entrust others to perform their work; (four) in violation of the regulations on post responsibility management, I will seal, operator's magnetic card, important vouchers, passwords, passwords, keys and other job-related items or information to or inform other personnel; (5) instigating, instigating, forcing or coercing other employees to operate illegally.
Twelve, employees should handle business for customers in accordance with the prescribed conditions. The following acts are prohibited, including but not limited to: relaxing or increasing the conditions for handling business without authorization, and lightening or aggravating the obligations of customers to credit cooperatives.
13. Employees shall abide by the prohibition of insider trading, and shall not inform anyone outside the scope permitted by the law and credit cooperatives in an express or implied way, or use insider information to obtain personal interests, or provide financial or investment advice to others based on insider information.
Fourteen, employees should be customer first, dedicated service, fair competition with the same industry to engage in business, and constantly improve the quality of service. Do business in civilized language, and don't argue with customers.
15. Employees should respect customers, be sincere, enthusiastic and polite. Employees should take the initiative to reply or coordinate with customers when consulting or handling business.
16. When recommending products or providing services to customers, employees should provide customers with clear, truthful, reliable and necessary information, and fully prompt the relevant laws, policies and market risks involved, so that customers can make reasonable judgments and decisions. The following acts are prohibited, including but not limited to: (1) concealing risks or making false or misleading statements for concluding transactions; (two) to make a commitment or guarantee to the customer that does not conform to the relevant laws and regulations and the rules and regulations of the credit cooperatives; (3) Inducing customers to buy products that are inconsistent with their risk perception and tolerance.
17. Employees shall treat all customers fairly and shall not discriminate against customers because of their nationality, nationality, age, identity, business complexity and amount. For the elderly, the disabled and customers with language barriers, we should provide convenience as much as possible.
18. Employees shall fully respect customers' right to choose financial products or services independently, and shall not tie in illegally, and shall not apply to customers through agreements and other means.