1 Different job responsibilities: Bank tellers are mainly responsible for cash business and basic services, such as deposit and withdrawal, remittance, etc. Loan officers are mainly responsible for loan business and risk assessment, such as reviewing loan applications and making loan plans. Because their job responsibilities involve different businesses and risks, they need to restrict each other to avoid business overlap and risk overlap.
2. Risk control demand: As a financial institution, banks need to effectively control risks. The mutual restraint between bank tellers and loan officers can effectively reduce the operational risk and credit risk in credit business, prevent loan funds from being used for illegal or improper purposes, and protect the interests of banks and customers.
3. Internal control requirements: As an enterprise, banks need to establish a sound internal control mechanism to ensure that the company's operation and management comply with laws, regulations and internal system requirements. The mutual restriction between bank tellers and loan officers is an important means of internal control, which can strengthen the supervision and management of business processes and operating procedures and improve the effectiveness and reliability of internal control.