Chapter 1: Annual Work Summary. Since the Head Office conducted the comprehensive evaluation of internal control in 20xx, the Bank has attached great importance to internal control management as an important task. Under the premise of strictly implementing the systems and measures of the superior bank, we made great efforts to improve and refine the internal control management system according to the actual situation of the branch, and all internal control management work was done in detail. In order to achieve business objectives and maintain property integrity, ensure the accuracy of accounting information and the legitimacy of financial revenue and expenditure, ensure the smooth implementation of business policies and business decisions of decision makers, and improve work efficiency and economic benefits. Adhering to the business strategy of paying equal attention to business development and internal control management, the Bank has played an active role in standardizing operational procedures and reducing financial risks. Now report the internal control management of the whole bank.
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 jurisdiction over business departments, sub-branches, sub-branches, sub-branches, sub-branches, sub-branches, sub-branches, sub-branches, sub-branches, sub-branches and other 1 1 business institutions, as well as 26 savings offices. By the end of 10, the bank had xx employees, including xx long-term contract workers and xx short-term contract workers. In terms of institutional setup, functional departments should be restricted horizontally and parallel, and the front and back offices should be separated. In terms of post allocation, it is necessary to implement personnel and clarify responsibilities; In terms of system construction, timely transfer documents and implement learning in place; Strictly require standardized operation in system implementation, and strive to reduce operational risks; Insist on strengthening self-discipline supervision and re-supervision from the system guarantee to escort 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 great importance to it and organize its implementation. Since 20xx, the leaders of the Bank have always attached great importance to the internal control work of branches, taking strengthening internal control work 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 audits for x times, with xx participants, worked out the work plan according to the requirements of the president's office meeting, and completed the audit of the president and the branch president's term responsibility; Audit of livestock warehouses, savings offices, savings offices and branches; The responsibility of important posts has been transferred for x person-times; Support the telephone number of employees in the audit department of the branch; Extended inspection of problems found in supervision; Established a problem rectification account; 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, the employees were organized to study in time, which strengthened the employees' grasp of the national financial policies, systems and methods and standardized the business operation process.
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, and newly established and adjusted the evaluation Committee, Committee, leading group and leading group; This paper introduces the assessment methods of xx annual business objectives, the internal methods of comprehensive management assessment of the main responsible persons of business units, the methods of salary distribution and the methods of work quality assessment. The responsibilities of the functional departments of the sub-branches were revised. 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 the problems and rectification results found by the internal and external inspections 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 go deep into the grassroots to grasp the rectification and implementation according to the notice; Units with problems should focus on those responsible for rectification and adhere to the principle of "whoever handles rectification and whoever does not rectify". 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 X month, this sub-branch severely punished the relevant personnel who violated the basic accounting operation and system according to the Measures for Handling Violation of Rules by Employees of xx Bank and the Measures for Auditing Punishment, and * * * punished xx people with the amount of xx yuan.
6. Actively organize employee training to improve employees' awareness of standardized operation.
Chapter II: Summary of the Annual Work: The Internal Control Manager Sub-branch of the Bank strengthened internal control management, took legal and compliant operation and case accident prevention as the foundation of its establishment, took effective measures, strengthened system implementation, effectively prevented and put an end to all kinds of cases and accidents, and laid a good foundation for the healthy and stable development of various businesses of the sub-branch.
I. Strengthening business risk verification
Strengthen the management of high-risk tellers and high-risk business links, conscientiously implement the verification system, continuously strengthen supervision and verification, strictly adhere to the principle of "who checks, who is responsible, who responds", carefully analyze and judge every risk event, and ensure that all possible risk events are verified, discovered and disposed of in time.
For the problems found in the inspection of departments at all levels, it is clear that the special person will make timely rectification, verify and reply to the inquiry in time. At the same time, use the morning meeting to comment on the work of the previous day, and adopt the method of combining praise and criticism, reward and punishment to reduce mistakes and improve business operation level.
Second, improve the management performance of department heads.
Sub-branches require department managers and operation authorized personnel to firmly establish the consciousness of "guarding the land and being responsible", earnestly assume the responsibility of management and on-site management when the incident occurs, do a good job in the basic management of business operations, effectively eliminate potential risks, and ensure that the business of each department occurs objectively, accurately and truly.
At the same time, the branch made full use of the business monitoring system to strengthen the daily monitoring of risk events such as large deposit and withdrawal, abnormal fund transfer and illegal account opening. Important business, important links, important parts and important time periods are included in the scope of daily inspection, and cases are prevented by surprise inspection and rolling inspection.
Third, strengthen the risk prevention awareness education of employees.
Sub-branches require presidents in charge and department heads to regularly educate and guide employees to enhance their awareness of risk prevention in their daily work. They can't relax in the process of business operation. They should implement the awareness of risk prevention in all aspects of business operation to prevent touching the red line of "five prohibitions" illegal operation. Combined with business risk cases, educate employees to establish awareness of case prevention and self-protection, enhance their sense of responsibility and the consciousness of implementing rules and regulations, and prevent random operations from causing risk events.
Sub-branches always adhere to the system of twice-daily morning meetings and once-a-week departmental regular meetings, report and publicize cases, strengthen institutional learning, strengthen the education of compliance and clean government for employees in view of the complex social and economic situation, carefully calculate economic accounts, family accounts, credit accounts and future accounts for employees, and educate everyone to understand the situation and grasp themselves well. Through this extensive, in-depth and continuous education and study, employees are encouraged to consciously stay away from illegal business operations and economic crimes.
Chapter III: Annual work summary, internal control manager of the whole bank, improving the internal control management system is the need for ABC to achieve steady operation, improve operational efficiency, prevent and resolve risks and ensure safe development. In recent years, the Bank has actively and effectively explored the construction of internal control management, which has played a positive role in improving the business competitiveness and management level of the Bank and achieved certain results. The comprehensive evaluation of internal control in 20xx was rated as a first-class bank for the first time. However, we should also be soberly aware that there are still some weak links and outstanding problems in the implementation and execution of internal control management of our bank, which restricts the improvement of work quality. Now I would like to talk about some thoughts on the internal control management of our bank at present and in the future.
First, improve the construction of internal control subject.
Establish internal control mechanism. It is necessary to actively cultivate an internal control culture that is in line with the actual situation of the Bank, so that the awareness and culture of internal control can penetrate into every employee's mind and make internal control become every employee's conscious behavior. Familiarity with job responsibilities, understanding and mastering the key points of internal control, and finding problems and risks in time are important tasks to strengthen the construction of internal control.
Improve the risk identification and evaluation system. It is necessary to learn from the advanced experience of the same industry, actively use modern scientific and technological means, and gradually establish a monitoring, evaluation and early warning system covering all operational risks. Pay attention to loan risk concentration, credit monitoring and risk early warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the risk early warning system.
Establish a correct concept of enterprise development. Pay attention to safety and liquidity while pursuing profitability, and pay more attention to risk prevention and internal control construction while pursuing rapid business development.
Establish internal control information contact mechanism. It is necessary to establish and improve the internal management information system to provide information guarantee for the design, implementation and feedback of internal control. Establish the information contact and regular contact mechanism of the internal control management department, timely, truly and completely convey the supervision intention, exchange information and communicate problems.
Attach importance to the supervision of managers. It is necessary to strengthen the supervision and control of the management and decision-making levels and solve the unreasonable phenomenon of "controlling the lower level but not the upper level". Incorporate the construction of internal control culture into the management of senior executives, implement the internal control accountability system, urge them to change their concepts and play an exemplary role.
Two. Strengthen the implementation of internal control responsibility
Strengthen organizational leadership. Establish an internal control organization, set up an internal control management leading group with the president as the team leader, the president in charge as the deputy team leader and the heads of various departments as members, clarify responsibilities and objectives, form an organizational structure in which the president is responsible for grasping, the leaders in charge of grasping, the departments cooperate with grasping and implementing at different levels, be responsible for overall organization and coordination, specifically organize the implementation, formulate relevant systems, evaluate and submit internal control measures, effectively strengthen organizational leadership, and take effective measures to consolidate the foundation of internal control management.
Establish a regular meeting system. The whole bank should strengthen learning, master various rules and regulations, and conduct risk investigation and case analysis on a regular basis; It is necessary to strengthen the awareness of prevention in the morning and evening, ring the bell for major events, drum for minor events, and wooden fish for minor events, so as to keep the alarm bell ringing. It is necessary to profoundly learn from the painful lessons of negative examples and improve preventive measures in advance; Strengthen system construction, constantly improve the internal control management system, and all departments should give full play to the role of guidance and supervision.
Strengthen departmental self-discipline supervision. Business departments should implement "one post and two responsibilities" and play the role of re-supervision, strengthen authorization management, earnestly perform post responsibilities, and ensure that supervision is not a mere formality; At the same time, the competent department of business should formulate a feasible implementation plan for self-discipline supervision and inspection, adhere to the combination of self-discipline supervision and self-examination, and combine daily inspection with special inspection to ensure that supervision and inspection are in place, without going through the motions and leaving no regulatory blind spots; The supervision department should re-supervise the business department, so that the supervision can be truly implemented and the effective supervision level can be continuously improved.
Third, strengthen the implementation of various rules and regulations.
Strengthen inspection. We should pay attention to the importance of implementing the inspection system. Don't wait for the superior to arrange the inspection, or conduct the inspection after the case occurs. Instead, it is necessary to carry out routine inspections, and take the implementation as the primary responsibility of managers at all levels. All business departments should make inspection plans regularly and report the inspection results to the leaders in writing afterwards as the main basis for assessing the work quality of functional offices. First of all, we must increase the frequency of inspection. Safety, credit, accounting, science and technology, employee behavior inspection or evaluation, etc. And the frequency that must be checked. Second, we must ensure the quality of inspection. Before inspection, there should be an inspection outline, including contents, requirements, composition of inspectors, purpose requirements, etc. , and write a written summary after the inspection. Third, we should highlight the inspection of risk points. A comprehensive inspection is necessary, but it is more important to find out the risk points and conduct more surprise, thematic, symptomatic and targeted inspections.
Strict accountability. Under heavy rewards, there must be brave people, and under heavy penalties, violators will pay a high price to prevent them from breaking the rules. Its contents mainly include: whether the competent business department has organized the inspection of the implementation of the professional system according to the regulations, the quality results of its plan and inspection, and the implementation of the problem rectification; Did the members of the inspection team act as peacemakers, did they fail to check, did they fail to find out, did they fail to report and did not ask for rectification? Through accountability, those who fail to implement the system should be criticized. If losses are caused, the responsibilities shall be investigated according to the losses. At the same time, comrades who earnestly implement the system should be commended in time to promote righteousness.
Conduct a reverse investigation. Practice shows that all kinds of problems are mostly exposed at the grassroots level and operators, but they are often rooted in management at all levels, which lies in poor management and weak system execution. Therefore, the implementation of executive power should be combined with the implementation of strict accountability system, and inspectors should be responsible for the inspection facts to improve their sense of responsibility and inspection quality; If the competent business department fails to strengthen management, organize various inspections according to regulations, and timely organize rectification, thus delaying the timing and causing losses, it shall be investigated for its responsibility.
Regular rotation. Rotation of posts is a requirement of CBRC and higher-level industry management departments, a mandatory requirement of special case management, an effective way to prevent all kinds of risk exposure and all kinds of old debts, and also an effective way to cultivate talents and compound talents. Since employees of our bank have certain authority regardless of their positions, rotation should be aimed at all employees, but rotation in key positions is particularly necessary. In addition to exposing problems, rotation can also restrain the bad mentality of relevant personnel who violate the rules. The rotation of credit personnel can be the rotation of segment managers or cross-network rotation.
Fourth, strengthen compliance management.
Enhance compliance awareness. Compliance management is the core risk management activity of commercial banks, and it is the need to adapt to the joint-stock reform and corporate governance of modern commercial banks. At present, there are still many weak links in our internal control management. It is urgent to strengthen compliance awareness and implement compliance management, which is conducive to establishing the core position of the Bank's risk management. Carrying out compliance management is the need for employees to enhance their awareness and ability of self-protection. Strengthening compliance management in an all-round way aims at effectively identifying, preventing and resolving risks, avoiding possible legal sanctions, regulatory penalties, major financial loss risks and reputation loss risks due to non-compliance with laws, rules and standards, and ensuring the steady development of various businesses.
Strengthen compliance evaluation. Only by strengthening compliance evaluation can we find out the quality of compliance management implemented by banks at all levels in time. The content of compliance evaluation mainly includes five aspects: organizational compliance, authority compliance, system compliance, regulatory compliance and safety compliance. Organizational compliance mainly evaluates post responsibility system, learning system, reporting system, vacation system and avoidance system. Authority compliance mainly evaluates the implementation of superior authority management regulations, authorization system and authority of each post. System compliance mainly evaluates the strict implementation, legal compliance operation and compliance operation of various rules and regulations. Supervision and compliance mainly evaluate the implementation of the inspection system by leaders at all levels and the implementation of the inspection system by supervisors. Safety compliance mainly evaluates the results of operational safety and prevents various situations from happening.
Improve the compliance management level. Strengthen the study and implementation of rules and regulations, and correctly apply rules and regulations and compliance management. Build a compliance management platform, implement the system implementation to the operational level, and minimize the probability of compliance risk. Strengthen the supervision and re-supervision of system and operation compliance, mainly self-inspection, inspection and supervision of various business departments and personnel, and the supervision and guarantee departments and personnel should strengthen the re-supervision and management functions. Establish a rectification mechanism for existing problems, attach importance to tracking and checking violations, and focus on rectification of existing problems. Establish departmental compliance cooperation mechanism, strengthen coordination and interaction between departments, and ensure the efficiency and quality of compliance management.
Chapter IV: Annual work summary, internal control manager of the whole bank. Since X years, our department has strengthened management in business process integration, related system construction, related business varieties and policy learning, convened the director's office meeting and departmental plenary meeting, and deployed related internal control work. The recent internal control report of our department is as follows:
1. Bank card business. Our department inspected the credit card business, and the accounts of customer files, password envelopes, existing bank cards and finished bank cards were consistent.
Two. Strengthen internal control and compliance construction. Adjustment and implementation of internal control compliance officer. According to the actual situation of the personal finance department, Deputy Director xx was appointed to take the lead, and several comrades such as xx were appointed as internal control compliance officers of the personal finance department. It is also planned to hold a quarterly case situation analysis meeting in the department to strengthen the understanding of the risks under its jurisdiction and its own risks. In addition, the compliance officer is required to put forward constructive opinions at the quarterly case situation analysis meeting and make an evaluation at the meeting.
Third, emphasize the importance of business learning and rules and regulations learning. Arrange at least 2 days a month for all employees of the department to concentrate on learning business knowledge, policies, regulations and rules and regulations, and create a good learning atmosphere. Strengthen the ideological education of employees and cultivate their correct outlook on life, values and morality.
The fourth is to comprehensively clean up the tellers in the peripheral system. In order to strengthen internal control, our department cleaned and updated the operation management tellers of credit card system and retail credit system in time, and registered the cleaning and updating.
Chapter V: Annual work summary, bank internal control manager, internal control compliance is the inherent requirement of stable operation of banks, the duty that every employee must perform, and a powerful weapon to safeguard their own vital interests. As a teller who has worked for more than two years, I deeply understand the meaning of compliance. Further understand the job responsibilities, purify the mind and improve the business ability. Therefore, combined with the actual situation in my work, I have a deeper learning experience on professional ethics, honesty, compliance operation awareness and supervision awareness. Summarized as follows:
(1) Strengthen the study of compliance culture and implement the compliance system. 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", earnestly perform their duties, constantly improve their comprehensive quality, enhance their ability to distinguish right from wrong, resist corruption and prevent change, and be firm and clear-headed in the face of big right and big wrong. Internal control compliance rules and regulations are the basic framework, the premise of our teller's compliance operation, and the essence of our decades of financial business experience and lessons. Implementing internal control compliance system is the need to improve management level, which can create value for banks, and effective compliance management can virtually eliminate compliance risks.
(2) Improve their professional quality and strengthen their awareness of risk prevention. The development of banks should be based on legal and compliant operation, curb violations and cases, comprehensively guard against risks and strengthen the cultivation of their professional quality, that is, understand the internal control and compliance culture from the source. Although our counter system is sound, our business is still going on and expanding. It is inevitable that some systems are not perfect, so we need to constantly strengthen our own accumulation, enjoy resources and learn about new business at the first time. As a front-line gatekeeper, we should strengthen the awareness of internal control compliance, pay close attention to the basic management of internal control, promote compliance management according to law, make statements around the use of financial systems, always keep a clear head and consciously resist the erosion of various decadent ideas.
(3) Strengthen counter risk management, carry out in-depth education on internal control and compliance, and raise awareness of risk prevention and self-protection. Seriously study various rules and regulations, handle business in strict accordance with operating procedures, cultivate good risk control ability from the aspects of ideology, business philosophy, comprehensive risk management, professional ethics and behavior habits, and form a responsible internal control atmosphere for risk management. Keep in mind the "top ten banks violate the rules", earnestly carry out standardized services, and conduct special research on some detailed and difficult issues. In view of the current business operation and counter service, we should conscientiously sum up and subdivide customer groups and business needs, integrate limited resources, brainstorm and innovate service methods to meet customer needs to the maximum extent and enhance the essence of corporate compliance culture.
(4) Let every business link really create a good atmosphere of "abiding by discipline and law, pioneering and innovating", so that we can consciously abide by laws, rules and standards in business management. Every employee should first strengthen the concept of doing things according to rules and regulations, rather than relying on "experience". Compliance operation was not built in a day. We insist on handling every business according to the operation flow, and make the habitual compliance operation in all businesses in job embeddedness become habitual compliance operation. At work, I am good at asking questions about the handling of abnormal business in time, and I am responsible for the vigilance of my own authorized business. Adhering to the standard process and process system is the most effective way to solve compliance management problems and prevent capital risks.
In my daily work in the future, I will strive to achieve "rectification in place, strong internal control and zero violation", strictly demand myself with the standards of "self-respect, self-examination, self-vigilance and self-motivation", abide by the law, be self-disciplined, be conscientious, abide by professional ethics, strive to be law-abiding xx, and contribute to the realization of the established goal of sustained, steady operation and rapid development of xx.