Sample self-examination report on electronic banking business
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Electronic banking business self-examination report 1
In order to further improve our bank’s electronic banking business management, continuously improve risk identification and prevention capabilities, and realize the institutionalization and standardization of electronic banking business, according to the " "XX Bank's Notice on Carrying out Comprehensive Business Self-examination Activities" requires a comprehensive self-examination of our bank's electronic banking business. The self-examination report is as follows:
1. Business level
(1 ) Whether management systems such as safety assurance, inspection and supervision, personnel management, statistical analysis, information feedback, information disclosure, and major event reporting systems and risk identification, early warning, assessment, monitoring, and control mechanisms have been established. Whether business operating procedures and implementation details have been established that can completely cover the entire process of the business and each risk point; whether each business link of the operating procedures has effective control means; whether the settings of the control links are reasonable; and whether the division of control functions is clear. Whether a sound job responsibility system has been established and whether the responsibilities of each job can supervise and restrict each other. Whether the various management systems, operating procedures and implementation details that have been formulated are modified and improved in a timely manner as needed.
(2) Whether the relevant departments and personnel of electronic banking business have strictly implemented various internal control systems for electronic banking business. Are there problems such as unclear division of labor and lack of restrictions among relevant departments and personnel operating electronic banking services?
(3) When a customer applies for a certain electronic banking business product, whether the transaction rules of various electronic banking business products are explained and disclosed to the customer, and whether the transaction risks of the product and its specific conditions are explained to the customer. Rights and Obligations in Transactions.
2. Operational management level
Whether the bank has established a comprehensive, comprehensive and systematic management system for e-banking business authorization management, accounting, and account verification, and whether it has timely verified e-banking All business accounts, accounting data and statistical data are consistent.
3. Science and technology information level
(1) Whether the bank complies with national laws, regulations and rules on computer information system security, commercial password management, consumer rights protection, etc. Whether to set transfer limits as needed. Whether to set limits on the number of attempts and time for e-banking password attempts.
(2) Whether sufficient physical security measures have been developed and implemented to effectively prevent illegal access to key equipment by external or internal unauthorized personnel. Whether appropriate encryption technologies and measures are used to confirm the identity and authorization of electronic banking users. Whether effective measures have been implemented to prevent the electronic banking transaction system from being invaded by computer viruses.
(3) Whether the bank has formulated necessary system operation assessment indicators, regularly or irregularly tested the operation of the bank's network system and business operating system, and timely discovered system hazards and hacker intrusions into the system. Whether it has an early warning and payment stop function. Whether the electronic banking operating system will be included in the bank's emergency plan and business continuity plan.
(4) Whether the bank provides timely training to employees and timely updates system security technology and equipment based on business development needs. Whether a reporting system for major events in the operation of electronic banking business has been established, and whether major matters such as major leaks, hacker intrusions, and website name changes that occurred during the operation of the electronic banking business have been reported to the banking regulatory authorities in a timely manner. Whether to accept an authoritative assessment agency recognized by the banking regulatory department to assess the security of its business operating system.
4. Development strategy level
Whether the board of directors and senior management have established an electronic banking business development strategy and operational security strategy that are suitable for themselves.
5. Internal control and audit level
Whether the bank’s internal audit department is equipped with a dedicated audit force for electronic banking business. Whether electronic banking operations are regularly audited. Is the scope of internal audit comprehensive and effective?
6. Others
(1) System construction of business outlets and business outlet management regulations
(2) New business types and whether risks have been established in advance Precautions. Before the launch of new business and new products, whether relevant policies, systems and procedures are formulated to measure, evaluate and control potential risks. Self-examination report on electronic banking business 2
In recent years, the electronic banking business of our county branch has been favored by customers for its low cost, convenience, speed, and all-weather service. Online electronic banking settlement and merchant contract transfer terminals are developing rapidly among enterprises, institutions and individual customer groups. ATMs are widely welcomed by customers because they are not restricted by time and space and can provide convenient and efficient financial services 24 hours a day. However, due to the complexity of society, the level of corporate financial personnel and the low business level of individual settlement personnel, online electronic banking settlement risk cases are also increasing.
Enhancing risk awareness and avoiding online electronic banking settlement have become top priorities for the current development of online electronic banking in our county branches. In order to standardize the operation of electronic banking business, prevent risks, and ensure the healthy, rapid and standardized development of the electronic banking business of our county branches, a comprehensive self-inspection of the branch’s electronic banking transactions, merchant contracted transfer terminals and ATMs is carried out in accordance with the notice issued by the Provincial Bank of China. Report the self-examination status as follows.
1. Avoiding online electronic banking settlement risks shall be implemented through the implementation of standardized work processes.
The risk of online electronic banking settlement exists when the association and customers log in to the bank website through the Internet to handle various business activities. The risk of online electronic banking accounting settlement also runs through the entire process of online banking business processing. We Part of the settlement risks currently faced by the settlement business of county branches are related to online banking settlement to a certain extent. As of May 15, 20xx, our county branch *** has signed up 2 online banking corporate users and 9 individual users. The work management of online banking signing, counter operations, back-end operations, and internal bank personnel such as account managers is standardized and reasonable. ; The Assets and Liabilities Department of the county branch implements a one-bag-per-household system for customer information signed by enterprises. Customer information signed by individuals is kept in special folders, and all types of registration books are complete and complete; among them, the corporate customer certificate carrier is in and out. The records are sound, the certificate carrier and password are transmitted in two lines and issued in a timely manner, and relevant fees are collected from customers in accordance with the unified charging standards of provincial branches; at the same time, employees within the bank are strictly prohibited from participating in customer-related fund transactions.
2. The widespread use of ATM machines must be based on safety and reliability, otherwise the premise of existence will be lost.
In order to effectively prevent criminals from inducing customers to transfer money at ATMs through phone calls, text messages, emails, fake websites, etc., thereby causing the risk of customer loss of funds, our county branch has upgraded the version of the ATM system within its jurisdiction. "Anti-fraud prompts" have been added to transfers and card-not-present transactions. When the customer selects the "Transfer" or "Card-Not-Card Transaction" function key on the ATM, the screen will display a screen and text with the following prompt content - "Beware of fraudulent messages such as phone calls, text messages, emails, fake websites, etc. Do not contact "Remittances and transfers from unfamiliar accounts" promptly reminds customers to think twice before they act to prevent being deceived. In addition, in card-present transfers and card-less transactions, a "return account name" link has been added. When the customer enters the other party's card number or account number at the ATM, the screen will automatically display the account name corresponding to the account for the customer to confirm. Through this The account name verification relieves customers' worries and ensures the safety of customer funds.
In order to prevent customers from depositing the wrong money because they took the wrong card or the card was swapped when making an ATM deposit, our county branch has also added a "return account name" link to the ATM deposit transaction. When a customer makes a deposit at an ATM, the system will display the deposit account name for the customer to confirm in a manner similar to "returning the account name" for a transfer, thereby effectively preventing risks.
Analyzing the modus operandi of criminals in many ATM cases, we found that criminals basically rely on stealing customers’ bank card numbers or passwords to achieve their criminal purposes. So, from another perspective, as long as customers protect their account passwords or card numbers, they can ensure the security of account funds to a large extent. Therefore, our county branch requires all counter staff to strengthen education and guidance for customers, improve customers' own awareness of prevention, remind customers to protect their personal passwords, and enhance awareness of prevention, so as to achieve the purpose of improving the safety of ATM use. Here, our county branch still has shortcomings. It has not set up electronic banking monitoring positions and implemented specialized personnel monitoring and strict re-supervision and inspection plans. The leaders of our county branch attach great importance to the risk control of electronic banking, strengthen management, and will never allow fraud to complete tasks. They also formulate effective inspection plans, pay attention to the effectiveness of inspections, discover problems, and make timely rectifications, and make business inspections regular and Systematize and standardize, establish a long-term supervision mechanism for risk prevention, and follow the standards for building a world-class electronic bank to fundamentally ensure the rapid and steady development of the electronic banking business of our county branch. Electronic banking business self-examination report 3
According to the "Notice on Carrying out Special Inspections on Electronic Banking Business and Branch Construction" No. 402 of the ABC Jinbanfa [20xx] and the specific arrangements of the Provincial Branch's Internal Control and Compliance Department, Our five-member electronic banking business inspection team of Yuncheng Branch conducted a special inspection of the electronic banking business of Yuncheng Branch from July 13, 20xx to July 26, 20xx, and randomly inspected 6 businesses involved in Beicheng Branch and Wenxi Branch. The branch, with the active cooperation of the local bank, successfully completed this work. The relevant situation is now reported as follows:
1. Inspection work progress
(1) According to the plan , careful deployment.
We organized team members to carefully study the inspection plan and relevant supporting documents, clarify the inspection tasks, and conduct inspections in strict accordance with the inspection plan and inspection procedures.
Based on the business expertise of the five members of the inspection team, a reasonable division of labor was carried out. The team leader, Comrade Cui Jiaohua, was fully responsible for the inspection of e-banking and branch construction. The deputy team leader, Comrade Yang Wei, was responsible for the comprehensive inspection of e-banking business and was also responsible for the inspection of corporate e-banking business. Comrade Xu Zhanwei is mainly responsible for the inspection of personal electronic banking business, Comrade Wang Wanlian is mainly responsible for the inspection of transfer phone business, and Comrade Niu Ruigang is mainly responsible for the inspection of ATM machines and the drafting of summary reports. Let everyone perform their own responsibilities. During the inspection process, work diaries and work papers were carefully prepared and necessary inspection evidence was obtained.
(2) Highlight the key points and clarify the methods.
This time we randomly checked 30% of the electronic banking business volume of two branches in Beicheng and Wenxi in 20xx, and reviewed 165 relevant registers, contracts, agreements, subpoenas, etc. The main methods adopted are: a combination of archival data review, voucher verification, on-site inspection and off-site verification of key transactions. Among them, personal online banking and corporate online banking check key customer access, certificate management, agreements and file management; transfer calls focus on checking whether the information entered in the business system is consistent with the information submitted by the customer, agreement and file management; ATM machines focus on checking passwords, secret codes, etc. Key management, long and short payment management, and credit card management.
(3) Strict inspection and careful summary.
In this inspection, we followed the principle of "whoever inspects is responsible" and conducted an in-depth investigation to ensure that the inspection was not a formality. This inspection found 41 problems, of which 8 were rectified on-site, 33 drafts were issued, and 19 rectification suggestions were put forward, which promoted the continuous standardization of the electronic banking business operations of the bank under inspection.
2. Basic situation of the bank under investigation and overall evaluation of electronic banking work
Yuncheng Branch has 15 sub-branches involving 44 business outlets. In 20xx, the bank’s electronic banking services It has developed well. All the business indicators issued by the provincial branch have been exceeded. In particular, the electronic banking revenue ranks first in the province. The Beicheng Sub-branch and Wenxi Sub-branch this time were randomly inspected. They were the two Yuncheng Branch electronic banking businesses that developed relatively rapidly in 20xx. branch, and the inspection involves 6 outlets of these two branches, namely Beicheng Sub-branch Business Department, Beicheng Sub-branch North Street Branch and Wenxi Sub-branch Business Department, Dongzhen Branch, West Lake Branch, Haixin Branch In 20xx, Beicheng Branch added 87 corporate online banking accounts, 2,525 new personal online banking accounts, 402 transfer telephone numbers, and 4 ATMs. In 20xx, Wenxi Branch added 806 personal online banking accounts, 46 corporate online banking accounts, 303 transfer telephone numbers, and 3 ATM machines.
Through the inspection of Beicheng Sub-branch and Wenxi Sub-branch, it can be reflected that Yuncheng Branch is generally relatively standardized in the management of electronic banking business, the professional quality of employees is high, and the implementation of relevant systems and operating procedures is basically are in place, but there are also some problems in these two branches, most of which are fundamental problems, mainly: individual tellers are not familiar with the rules and regulations of electronic banking business and cause operational violations; failure to charge or undercharging corporate online services The bank's annual service fee; when individual tellers handle personal online banking services, they will retain the customer's two-digit code, etc.
3. Main problems discovered during the inspection
After on-site inspection, no major violations were found, but compliance and operational problems were found, mainly as follows: Aspects:
(1) The customer certification review was not strict, involving 1,372 households.
1. Customer access
(1) Personal online banking customer information has not been carefully reviewed and verified. A total of 1,269 households were involved, including 231 households from Beicheng Sub-branch and 1,038 households from Wenxi Sub-branch. The details are as follows:
①Business receipts, settlement applications and other information lacked customer signatures, involving 27 transactions from the Beicheng branch. For example: on March 2, 20xx, two customers, Yang Qi and Wei Huifang, were in Beicheng. The business department's registration receipt for personal online banking does not have a customer confirmation signature.
② The electronic banking service agreement has problems such as irregular storage, incomplete elements, filling errors, signatures on behalf of customers, and missing items. It involves 142 agreements from Beicheng Sub-branch, 1,000 agreements from Wenxi Sub-branch, and 1,142 agreements from *** Agreements, such as: 22 agreements from the Beicheng Sub-branch Business Department and 10 agreements from the Beidajie Branch did not include the names of the parties to the agreement; 37 agreements from the Beicheng Sub-branch Business Department and 1 agreement from the Beidajie Branch did not include the name of the person handling the agreement. There were 2 agreements from the Beicheng Sub-branch Business Department and 1 agreement from the Beidajie Branch. None of the customers signed for confirmation; 8 agreements were signed from the Beicheng Sub-branch Business Department and 2 agreements from the Beidajie Branch. The signature positions of parties A and B were reversed. In the "Agricultural Bank of China Electronic Banking Service Agreement (Individual)" of Wenxi Branch, Party B's signature place should be stamped with a special business seal according to regulations, but the business completion seal was actually used, involving 903 agreements.
③ Personal electronic channel registration and re-issuance of certificates did not retain a copy of the customer’s ID card or did not conduct an online verification of the ID card, involving 60 transactions at Beicheng Sub-branch and 37 transactions at Wenxi Sub-branch, such as: Beicheng Sub-branch Business Department in 20xx On March 2, four customers, Yang Qi, Wei Huifang, Feng Shenghu, and Li Yunlong, registered for personal online banking without conducting online ID verification.
④ The mobile banking activation was bound to the same mobile phone number, involving 2 transactions at Beicheng Sub-branch. On March 29, 20xx, the customers Hou Jiangxia and Ren Pengcheng had the same mobile phone number bound to activate mobile banking.
⑤Business vouchers were not used correctly when handling electronic banking business, involving 1 transaction at Beicheng Branch. On August 13, 20xx, teller Ren Peng registered an electronic channel account for customer Pan Ruinan without using the electronic banking application form. It's white paper.
(2) Corporate online banking customer information was not carefully reviewed and verified. A total of 61 households were involved, including 47 households in Beicheng Branch and 14 households in Wenxi Branch.
① The review of customer information is not strict, and there are problems such as no online verification, retained customer information not stamped with the company's official seal, lack of customer information, etc., such as: Wenxi Sub-branch Business Department on June 30, 20xx Registered online banking for 4 companies including Wenxi County Kaixiang Industry and Trade Co., Ltd., but did not conduct online ID verification for the company administrators and operators.
②The content of the authorization letter is incomplete or inconsistent with the content of the business. For example: On March 22, 20xx, Yuncheng Medicinal Materials Company registered corporate online banking at the Beicheng Branch Business Department, and the content of the authorization letter did not include the "certificate and "Password Envelope Collection" was authorized, but the certificate application business was processed for it.
③Business vouchers were not used correctly when handling e-banking services, which were all done by Beicheng Sub-branch North Street Branch. For example: on February 3, 20xx, teller Guo Ru was reviewing the company Accounting vouchers should be used for online banking, but white paper is used.
2. Certificates and two codes:
(1) The management of customer certificates and two codes does not strictly implement the system regulations. When registering for personal online banking, there is a phenomenon of retaining customers' two-digit certificates, involving 17 households in Wenxi Sub-branch, and 7 of them printed two-digit certificates without using password envelopes. For example: Wenxi Sub-branch Dongzhen Branch on March 26, 20xx, teller Ji Weiwei handled personal online banking business for customer Han Hongbin, and the customer's two-code envelope was attached as an attachment to the summons; Wenxi Sub-branch Haixin Branch 20xx On March 9, 2019, customer Sun Zhihong registered for personal online banking. Teller Zhang Junjie typed the two-digit certificate set on white paper with carbon paper, handed one page to the customer, and bound the other page as an attachment behind the subpoena.
(2) The activation of the corporate online banking certificate has not been authorized or confirmed by corporate personnel. 25 households are involved, including 11 households in Beicheng Branch and 14 households in Wenxi Branch. The main problem is that the two-code confirmation form of corporate online banking is signed by the administrator and operator in the same handwriting, and it is suspected that it was signed by one person, such as: February 3, 20xx On that day, the activation certificate of the Yilong Electrical Appliance Mall in the Yuncheng Economic Development Zone of Beicheng Sub-branch, Beicheng Street Branch, the administrator and operator signatures on the two-code confirmation form were similar, which cannot mean that they were signed by me.
(2) There were problems in important business management, involving 142 households.
The transfer phone business was not managed in accordance with regulations, involving 135 households, including 114 households in Beicheng and 21 households in Wenxi.
(1) No online verification of ID cards was carried out, involving 64 households in the Beicheng branch.
(2) There is no photo or relevant household registration certificate in the online verification of ID cards, involving 14 households in Wenxi Sub-branch. For example: On February 26, 20xx, customer Chang Fahu registered for the transfer phone service.
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