As special enterprises, banks receive special management that is different from ordinary production enterprises. In 2018, the China Banking Regulatory Commission issued the "Guidelines for the Management of the Behavior of Employees of Banking Financial Institutions", which clearly stated that banks should The investigation of abnormal employee behavior does not require the employee's personal consent, but is directly required by the regulatory agency.

So from last year to this year, all local banking and insurance regulatory bureaus have issued notices on conducting behavioral investigations of employees of banking financial institutions within their jurisdictions, and many banks have also entered the system for investigation. The investigation content is not only to check the so-called credit report and bank statements, but also to target high consumption, high risk and high leverage, high investment, random dating, personal account changes, failure to rotate due to job rotation, frequent travel abroad, participation in private lending, illegal Fund-raising, fund intermediaries, private sales of orders and illegal participation in business operations, etc., will all be investigated. After the investigation, a report and processing results must be formed and submitted to the China Banking and Insurance Regulatory Commission. This kind of investigation is not only about checking the credit report and bank statements, but also relies on the internal data of the financial institution. It also uses external big data and conducts external interviews and witness testimony to assist in the verification. The more people are rejected, the more they will be investigated and punished. Starting from the end of last year, until now, it has been very strict.

If bank employees resist and do not cooperate with the investigation and investigation, they will either resign themselves or be dealt with internally and be laid off within minutes. Moreover, this kind of investigation is regular and long-lasting. Every time a certain time point is reached in the future, it will be reviewed again. It is impossible to escape if you want to. In recent years, there have been frequent incidents of violations by employees of banking institutions. Supervision attaches great importance to this and will impose heavy penalties every time it is discovered. This practice is not only targeted at individuals, but also at the banks where they work. Therefore, various banks also attach great importance to it.

Chaos has occurred frequently in the financial industry in the past two years, and it is reasonable for regulators to impose more stringent policies and penalties. Otherwise, the financial affairs will really turn into a mess later. Therefore, the bank can definitely tell that the employee's credit report is fraudulent.