When we have a new experience, when it accumulates to a certain height, write it down as experience. The following is the "2022 Collection of Short Essays on Banking Compliance Operations" compiled by me for everyone. It is for reference only. You are welcome to read this article. 2022 Collection of Short Essays on Banking Compliance Operations (1)

This time I was fortunate to participate in the x-day short-term "Behavioral Decision-making and Risk Management" training of xx Management Institute. Although the time was short, I felt that I benefited a lot. There are many, especially Professor xx and Professor xx’s analysis and discussion of people’s different behavioral decisions and grasp of risks in various situations from a psychological perspective, which touched me a lot.

1. Collect information, analyze problems from multiple angles, and make rational decisions. People always have to make various decisions throughout their lives, whether in study, work, or life. One decision may very well change a person's future development path, so rational decisions should be used as much as possible. How can we make rational decisions? The first is to collect relevant information about the problem, and collect it as comprehensively as possible. The second is to establish a feasible solution to the problem based on the information. The third is to evaluate the solution, and the fourth is to select the best solution. In the process of making decisions, we must pay special attention to the anchoring effect and framing effect, and think more from others' perspective. By completing these four steps, you will be able to better deal with the many uncertainties in the processing process and reduce decision-making biases. As written in the Chen Tianqiao entrepreneurial case studied in class, "At every turning point, if the right decision is not made, Chen Tianqiao's entrepreneurial story will be rewritten." The same is true for us, at every turning point, we will You must analyze and judge rationally and make decisions carefully, so as to lay a good foundation for your future life and not deviate from your ideal development path.

2. Avoid deviations in judgment and decision-making and do a good job in risk management. At work, due to the influence of personal knowledge, literacy, growth environment, educational experience, work background and other factors, our thinking will have various deviations, including sensory deviations, cognitive deviations, memory deviations, environmental deviations, and "one leaf blinding the vision" may occur. , "Taishan is missing" and "groupthink" appears, which may lead to wrong decisions and risks. From the case of the collapse of Barings Bank, I once again felt how important risk management is. The perpetrator, Nick. Leeson's illegal operations, coupled with a serious gambler's mentality, estimated the situation too optimistically, and then concealed important information. Driven by interests, he completely ignored the existence of risks, coupled with Bahrain Bank's chaotic internal management and ineffective monitoring. These measures caused Barings Bank to lose many opportunities to curb the further expansion of risks, which ultimately led to the ruin of the century-old bank. Therefore, we should constantly enhance our risk awareness, lock the risk within a controllable range and do a good job in risk management during the game with the market.

3. According to the three reference points theory, do a good job in bottom-line control and target control, and manage risk decisions in daily life. We often set some goals for ourselves to constantly motivate ourselves to work hard for the established goals, but we may rarely consider what our bottom line is, and sometimes we may set the bottom line as the goal, so we cannot Manage risky decisions in daily life. For example, when managing money for a customer, you must fully understand the customer's needs, what his bottom line, current situation, and goals are. Only in this way can we formulate feasible financial management plans for customers and tell them under what circumstances they can obtain high returns and under what circumstances they can maintain their capital without losing money. Otherwise, if you only set optimistic profit targets, it will be difficult for customers to accept and agree with you when risk situations arise.

Decision-making, like risks, is everywhere. How to manage risks well and make correct decisions depends on the beholder and the wise, so I would like to use this sentence from "The University" to share with everyone *** Mian: "Knowing to stop can then have concentration. After concentration, one can be still. After being still, one can be at ease. After being at ease, one can think about it. After thinking about it, one can gain. 2022 Collection of Short Essays on Banking Compliance Operations (2)

In order to enhance the awareness of compliance operation and management of postal financial business and cultivate a good compliance culture, 20xx has been designated as the "Compliance Management Year" of our bank. It is currently a critical period for the reform of the postal savings system and the year of compliance construction promotion is carried out. The activities are highly realistic and necessary. The growth of postal savings business is inseparable from compliance operations and is also accompanied by the prevention and control of financial risks.

Promoting the construction of compliance culture will surely provide strong support and guarantee for the implementation of our bank's business philosophy and systems.

By participating in the "Compliance Management Year" organized by the municipal bank with the theme of "Compliance Construction, Standardized Processes, and Solid Foundations", I gained a deeper understanding of compliance management. The first step in compliance management work is to establish a compliance cultural atmosphere across the bank in which all employees are compliant, compliance starts from the top, proactive compliance, and compliance creates value. This study is a very good one. Good opportunity.

The main contents of this study are: the guiding ideology of the "Compliance Management Year" activities, the establishment of organizational leaders, the arrangement of activity stages, and the key contents of the "Compliance Management Year", including the implementation of the "Four "Evaluation" and the release and implementation of "Four Measures, etc."

Through study, I further realized the importance and urgency of operating in compliance with laws and regulations for our bank's operation and management, and deeply realized that illegal operations are prone to cases. hazards. Operating in compliance with laws and regulations is the basic principle of modern xx bank operation and management, and it is also the guarantee for adhering to the correct business direction. It is also the basis for financial enterprises to develop, protect and prevent financial risks. Therefore, in the operation and management work, the following tasks must be done well to ensure the healthy and rapid development of all the work of our bank.

1. Improve the ideological quality of employees

Strengthen employees’ concept of operating in compliance with laws and regulations, strengthen employees’ learning of laws, regulations, rules and regulations, and strengthen ideological education. This is to eliminate violations of regulations from the source. important means of behavior. Strengthen the risk prevention education for our bank employees so that everyone will realize the complexity of society and the universality of bank operating risks. We will also realize that the bank itself is a high-risk industry and must put risk prevention first. Start from your own position every day, consciously abide by various rules and regulations, consciously resist all kinds of violations, violations, and violations. We must eradicate trust instead of management, habits instead of systems, kindness instead of discipline, and cherish your career. We should regard the system as life, correct violations as mine clearance, enhance the awareness of risk prevention and self-protection, improve standardized operations, and prevent the occurrence of cases from the source.

2. Establish and complete various rules and regulations, and strengthen internal control management

Judging from the economic cases that have occurred in the financial system in recent years, "nine violations out of ten cases" have rules and regulations. Compliance, illegal operations, lax inspections, and inadequate supervision are indeed important root causes. Countless cases, accidents, and lessons have reflected that there are still certain loopholes in internal control management. It is the imperfection of the system that gives some people the opportunity to take advantage of loopholes and cause losses to state funds. We should learn lessons, constantly improve and improve various rules and regulations, and regard internal control management as a prerequisite for risk prevention. We must conscientiously and solidly implement the provisions of the case prevention responsibility system, promote the strengthening and improvement of internal prevention mechanisms, and strive to achieve Develop business under the premise of standardization.

While developing business, strengthen standardized management to ensure that all business processes and rules are carried out within the constraints. Improving rules and regulations and strict internal management are the guarantees for preventing economic cases. To this end, we must conscientiously do a good job in system construction. On the one hand, we must organize learning based on the characteristics of our front-line teller work. Through learning, we must ensure that personnel in each position truly clarify their responsibilities, detail their systems, and operate strictly. Effective prior prevention and supervision is an important part of preventing economic cases. Self-inspection and self-immunization of this position are the first priority; secondly, regular or irregular self-inspections, superior inspections, interactive inspections and other methods can be adopted to promptly Detect and correct deviations in work. Implement effective internal control and restriction on all aspects of business work. In addition, our bank also required the collection and sorting of some basic management ledger contents. We are mainly responsible for sorting out the ledgers of employee names, attendance registration, bonus distribution, etc. This is a good way to strengthen basic management.

3. Strengthen the implementation and supervision of rules and regulations and awareness of case prevention

The bank is known as the "three irons: "iron system, iron abacus, and iron account book". It is precisely because of the bank's "iron abacus" "Three irons", banks are trustworthy in the hearts of the people.

The implementation of rules and regulations depends on the clear understanding and proficiency of the employees on various rules and regulations. Failure to comply with the rules and not escaping from the rules are taboos in various industries. Only when a car travels a thousand miles does one have to follow the rules. As far as front-line tellers are concerned, they must start from the inside, handle every business correctly, carefully review every bill, supervise the legal compliance of authorized business, strictly implement business operating system security precautions, and resist We must do a good job of mutual restraint and mutual supervision regarding various illegal operations, etc. We must not deviate from the rules and regulations because of colleagues' concerns or one-sided pursuit of economic benefits. Insist on acting in accordance with the rules from beginning to end. Only in this way can our system be implemented and the security of our funds can be guaranteed. No matter how good the system is, if it cannot be implemented well, it will go to its opposite.

In recent years, economic cases in the financial system have not only disrupted and disrupted the economic and financial order, but also seriously damaged the social credibility of banks. Taking corresponding measures to strengthen prevention from the source is an important line of defense against financial crimes in the new era. The reason why professional crimes in banks have been on the rise in recent years is that one of the important reasons is that ideological education has been ignored. Usually, only the importance of business work is emphasized, the ideological construction of cadres and employees is ignored, and ideological and political work and business work are not correctly handled. The relationship is limited to both positive education and regular case warning education, so that cadres and workers can strengthen their ideological defense lines and often warn themselves "Don't reach out, otherwise you will be caught", thereby laying a good mass foundation for the elimination of financial crimes. Based on my thinking, I consciously walk by the river often without getting my shoes wet.

4. Banks should establish positive incentive mechanisms and corresponding penalty mechanisms

Positive incentives are necessary measures to ensure the implementation of various rules and regulations, but a certain penalty mechanism is also Essential. Only the combination of the two can provide a guarantee for the effective implementation of rules and regulations.

Through this compliance education activity, I found my correct value orientation and standards of right and wrong, found a correct footing in my work, enhanced my awareness of compliance management and compliance operations, and through understanding the relevant systems Through in-depth study, we have higher requirements for improving our own business quality and consciousness of implementing the system, enhancing our ability to identify and control various risks in our business, actively standardizing operating behaviors and eliminating Risk hazards, building confidence in the reform of the Postal Savings Bank, enhancing the sense of responsibility and mission to safeguard the interests of the Postal Savings Bank, and establishing a good compliance culture have all been of great help. I sincerely hope that there will be more such learning opportunities in the future. . 2022 Collection of Short Essays on Banking Compliance Operations (3)

Do you feel about compliance education? Mencius said: "Without rules, there is no circle." As a new employee in the industry, the first lesson I learned was how to avoid risks. Understanding the key points of risk events and being familiar with various business processes are the most basic qualities of an ICBC employee. So on the first day of reporting, I began to recite a series of guidelines every day such as the top ten illegal operations, the eight prohibitions, the six prohibitions and one disclosure, and the standards for a type of risk event, always reminding myself not to touch the bottom line.

After carefully watching ten risk cases, I combined these guidelines to have a deeper understanding. Employees participate in illegal fund-raising or private lending activities and seek high profits;

Employees deliberately inform customers of false information, induce customers to make wrong investments or accept customer interests, and engage in activities that harm the interests of the bank;

Interception or replacement of customers’ electronic banking identity authentication tools, theft and misappropriation of customer funds;

Employees violated the People’s Bank of China’s interest rate and our bank’s interest rate management regulations, raised or lowered interest rates without authorization, and sought benefits for themselves or others. . After comparing these risk events, I deeply feel that the financial industry is a high-risk industry, and the revision of these rules and regulations must be derived from these experiences and lessons. These painful lessons taught me that I must know the law and abide by it, and never touch the bottom line of morality and law! Bank businesses are diverse and require a certain amount of time to learn. But in terms of ideological awareness, we must improve immediately and cannot be careless. Establishing internal control is also a business, safety is also a benefit, risk management creates value, positive regulations and negative prohibitions are implemented, and behavioral monitoring is handled in a standardized manner. Strengthening internal control management is very necessary for modern financial enterprises. We must not only sing slogans but also implement them. As an employee, we must master business skills and strengthen business capabilities, and we must also enhance compliance awareness based on these capabilities.

xx branch has a deep cultural heritage. Everyone has the same goal and continues to forge ahead. After the occurrence of risk events, we will further reflect on and strengthen our own internal control management. This is both pressure and motivation for our new comrades. I will actively respond to the foundation strengthening year Activities, taking advantage of opportunities to continue to learn business and improve one's ideological awareness.

Don’t do good deeds because they are small, and don’t do evil deeds because they are small. How to start from myself is what I should think about most now. In order to meet the requirements for ourselves, we must continue to deepen our awareness of compliance. I should start from the following points:

1. Strengthen the recitation and copying of a series of codes for employees. Through mechanical memory over and over again, you can get a mental awakening immediately before the violation occurs.

2. Strengthen learning business capabilities. Practice hard on basic skills, obtain job qualification certificates, and understand the business in many aspects. You can communicate with senior employees privately, feel the importance of management and control from experience and reality, and improve your ideological awareness while understanding the business.

3. Carefully study the "20xx Annual Case Risk Investigation Implementation Plan". By classifying the latest risk events, we can improve our understanding of the key points of risk events and continuously deepen our legal and moral awareness.

Only by strictly following the rules and regulations and carefully studying business and legal provisions can we understand what can be done, what cannot be done, what should be done, and what should not be done. Only by professionally handling business in accordance with the principle of "one payment, one clearing" can we maintain the first hurdle when facing customers. Compliance education has been deeply rooted in my heart, and I will always persist in deepening my ideology, turning awareness into action, and making action into a habit.

Shape the culture of compliance workers and become a compliance worker. Today I am proud of ICBC, and tomorrow ICBC will be proud of me. I will devote my sweat and efforts to ICBC to interpret my meaning. 2022 Collection of Short Essays on Banking Compliance Operations (4)

According to the requirements of the Sichuan Provincial City xx Bank Association on compliance online learning in 20xx, xx compliance was completed within the specified time with quality and quantity. Course study and compliance are the focus of the bank's stable operation and are the responsibilities that every employee should perform. Combined with daily actual work, I have a deeper understanding of professional ethics, compliance awareness, and supervision and prevention awareness. Now I would like to summarize some experiences from this study.

With the pressure of competition in the banking industry and the impact of Internet finance, some banks focus on business development and despise the guidance of values. They have insufficient understanding of the importance of values, regard business work as a hard indicator, and regard business work as a hard target. Ideological and political education is regarded as a soft task, and too much emphasis is placed on work performance. Ideological and political education is divorced from actual business work, and lacks education on regular job responsibilities, professional ethics, and institutional rigidity. The problems existing in these aspects require our employees to strengthen compliance learning, abide by laws and regulations, and abide by work disciplines.

1. Enhance compliance awareness and increase ideological education.

Conduct comprehensive discussions on the outlook on life, values, and world view of bank employees to enhance their ability to consciously resist the erosion of decadent ideas. Front-line bank employees are often exposed to the management and use of large amounts of cash. In the process, they will face the temptation of money. They may be driven by desire to illegally embezzle or misappropriate the funds under management, and they may also be corrupted by some criminals. Integrate compliance education and ideological and moral education into all aspects of business, operation, management, finance, distribution, etc., and focus closely on business and operation management.

Insist on placing the work of being a good person in an important position and doing it together with business work. Ideological and moral education must build an ideological defense line to prevent and resolve financial risks. It is necessary to combine regular ideological education, strict management, and severe punishment, establish three lines of defense of ideology, system, and law, and organically combine internal and external constraints to fundamentally curb the occurrence of financial cases and financial violations. occur.

Through ideological and moral education, employees can realize the importance of standardized operations and strict management, and the dangers of neglecting management. Educate employees so that they dare not, do not want to, are unwilling, and cannot commit crimes.

2. Strengthen compliance learning and enhance risk prevention capabilities.

Although the bank’s internal rules and regulations are relatively sound and strict, there are still problems such as failure to follow the rules, failure to correct violations in a timely manner, lax implementation of the system, and lax management.

Strengthening compliance awareness, strengthening compliance learning, and preventing occupational crimes require the joint efforts of bank employees and banking institutions to ultimately nip occupational crimes in the bud. As front-line employees of the bank, we must comprehensively strengthen counter services, perform our duties conscientiously, strengthen business learning, especially strengthen the learning of various rules and regulations, be familiar with and master the requirements of various rules and regulations, improve our own business capabilities, conscientiously perform work responsibilities, and effectively carry out work Case risk prevention.

3. Be strict with yourself and exercise self-discipline.

Due to the particularity of bank work, there will be huge amounts of money coming and going in daily work, and there will be the temptation of money and the contrast of income disparity, which will distort the values, power and interests of individual employees. Faced with The temptation of money creates a sense of imbalance and compensation, as well as a sense of luck, and the idea of ????getting through things continues to breed. We must overcome these unfavorable psychology, grasp the correct direction of life, firmly hold on to our professional ethics and ideals, stay away from bad psychology such as embezzlement, fluke, and comparison, establish correct concepts, and be cautious in beginning, being cautious, cautious in independence, and cautious in friends. Lay a solid foundation for self-discipline. Calculate financial accounts, reputation accounts, family accounts, freedom accounts, and family accounts to enhance personal awareness of integrity and self-discipline, self-discipline, and self-discipline.

In short, I have benefited a lot from this compliance study. I have a deep understanding that our bank employees must maintain good professional ethics, be honest and trustworthy, diligent and conscientious, adhere to compliance operations, and strictly implement all requirements for honest work. provisions. If we want to achieve a better future, we need the self-disciplined efforts and dedication of each of our employees!