It's ok to do some sideline work quietly. Every year, the bank requires employees to sign a letter of commitment not to run a business. If you are found, you must make an appointment to talk!
This problem is relatively complicated. Strictly speaking, bank employees should not do sideline business, especially those that can bring in income. However, it is also necessary to analyze the specific situation.
First of all, bank employees have strict code of conduct, so it is absolutely impossible for them to participate in enterprise management and financing consultation and affect the normal operation of the bank.
Previously, banking regulators had "four bans" on banking practitioners:
First, it is forbidden for bank employees' personal cards (accounts) to have capital transactions with enterprises and customer accounts, not to open accounts for relatives and friends, not to advance money, withdraw cash or purchase foreign exchange for customers, not to advance foreign money or short money outside the account, not to handle accounts for enterprises, and not to keep account books, bill seals and passwords for enterprises in the business premises;
Second, it is forbidden for bank employees to engage in a second occupation that has an interest in the institution, not to operate independently or in partnership in violation of regulations, not to take part-time jobs in enterprises in various names, accept benefits, and seek personal gain for individuals, and not to embezzle or borrow private external guarantees in the name of banks;
Third, it is forbidden to engage in pornography, gambling, drug-related, investment and business, large debts and other acts to control the source of risks;
Fourth, it is forbidden for employees to have false authorization, false reconciliation, false library search and other behaviors.
2018 in March, China Banking and Insurance Regulatory Commission, China issued the Notice No.9 on Guidelines for the Behavior Management of Employees in Banking Financial Institutions, which further stipulated the code of conduct for employees in the banking industry.
Article 15 stipulates that the code of conduct and its detailed rules formulated by banking financial institutions should require all employees to abide by laws, regulations and work disciplines, including but not limited to: consciously resisting and strictly prohibiting participation in illegal fund-raising, underground banking, money laundering, commercial bribery, insider trading, market manipulation and other illegal acts, not conducting unapproved financial business in any place, and not selling or promoting unapproved products. Do not sell products issued by institutions that do not hold financial licenses, do not seek illegal benefits by taking advantage of their positions, and do not disclose the secret information of supervision work to the society or other units and individuals without the permission of the supervision department.
Second, in reality, there are indeed bankers engaged in sideline business that does not meet their status.
In reality, some bank employees engage in some sideline businesses, which not only violates the code of conduct of the regulatory authorities, but also violates the law.
First of all, some bank employees have shares in loan enterprises.
Some bank employees, especially account managers, vice presidents and branch presidents, own shares in loan enterprises, some are investment shares, some are dry shares given by enterprises, some may be good friends before loan business, but some are promised interests when loan business is handled, so in this case, it not only violates the code of conduct of bank employees, but also seriously violates the law. This sideline is seriously not allowed.
Second, some bank employees are consultants in corporate financing and get benefits.
Some bank employees provide financing services for enterprises, help enterprises to carry out financing, and take different benefits according to the financing amount and interest rate. Some even serve as financing consultants for enterprises for a long time. Although they don't necessarily carry out loan financing in their own banks or their own branches, this sideline is contrary to the code of conduct of bank employees, and some banks' own management regulations also prohibit this part-time behavior.
Third, bank employees illegally sell non-bank products.
Some bank employees use their identities to illegally sell non-bank products, some are insurance products of insurance companies, and some are private fund products, which seriously disrupt the financial order, affect the reputation of banks, and even cause significant economic losses to consumers.
The financial product "Feidan" is a very typical case, that is, bank staff use investors' trust in the bank to sell financial products that do not belong to the bank itself, and get high commissions from them. A well-known case is the "3 billion fake wealth management products" exposed by Tianqiao Sub-branch of Minsheng Bank. The reason why this wealth management product case attracts people's attention is that the amount is large, and the president of the bank branch participates in the leadership, which is very deceptive. Third, there are many participants, many deceived people and many employees involved in the bank. On October 2017165438+1October 2 1 day, Beijing Banking Regulatory Bureau imposed an administrative penalty of 27.5 million yuan on Minsheng Bank Beijing Branch. This case is also known as the biggest "flying single" case in history. Although Minsheng Bank and its related personnel were also punished, the Beijing Banking Regulatory Bureau imposed an administrative penalty on Zhang Ying, which was to cancel the qualifications of life-long directors and senior managers and prohibit him from working in the banking industry for life. Xiao Ye and He Rui were given administrative punishment of life-long ban on banking. Administrative penalties were imposed on Wang Tao, Wang Xiaohong, Li Yahui, He Shuqiong, Wang Fei, Wang Qiuyu and Kun Yatong, who were banned from banking for 65,438+0 years respectively. Zhang Jian and Zhou Jin were warned and given an administrative penalty of 500,000 yuan. Wang Yuewei was sentenced to administrative punishment of disqualification of directors and senior managers for five years.
It can be seen that bank employees engaged in sideline business have great default risk and illegal cost.
Fourth, bank employees benefit from various business activities.
Some bankers collect benefits in various business activities, some collect and ask for expensive gifts, some ask for property, some eat and drink, and some make money in the name of playing mahjong. These are strictly prohibited behaviors.
Therefore, bankers are not engaged in some sideline businesses as people say.
Third, what sideline businesses can bankers engage in?
Can't bank employees engage in sideline business at all? Not exactly. There are also some sideline businesses that can be done. Maybe the bank will support them, which is good for their own development.
So, what sideline businesses can bankers engage in?
The first is the release and publication of the banking business research and analysis report.
Many people in banks have doctoral degrees, senior economists and rich banking experience, and have a deep research and understanding of the theory and practice of banking business. Many people publish some research results and analysis reports combined with their own work, which is not only a summary of their own work, but also a good promotion to the reputation of banks, so some far-sighted bank executives support employees to conduct business research.
The second is to participate in and undertake research and innovation projects of some regulatory departments and bank headquarters.
Every year, the regulatory authorities have some research topics that need the participation and completion of commercial banks, and the banks themselves also have some topics that need innovation. These topics are close to practice and reality and need the combination of theory and practice. Participating in these topics can help us understand the frontier of bank development and enhance our value through innovative business methods. If the project report wins the prize, we can have both fame and fortune.
The third is to operate from the media number.
Through the promotion of banking knowledge from the media number, research and release the latest research results.
Fourth, you can be a part-time professor in some universities.
If you have research and presentation skills, you can be a part-time professor in some universities, and some can also take masters and doctors.
Fifth, researchers from some social research institutions.
You can be a researcher in some social research institutions and participate in some in-depth academic research and social academic activities.
However, bank personnel must be careful not to pursue too many interests and commercial interests when doing sideline business.
More and more bank employees take on different new roles outside the bank. I'm not talking about quitting and quitting banking. I'm talking about those who stay in the bank and have at least one sideline.
You are overwhelmed by the abnormal behavior of employees, and to make matters worse, you are fired.
Investment in fixed assets, this money is ok, as long as you have a better understanding of the development of local economy and regional departments and are forward-looking, the rich dare not say that 10 is no problem. It is important to seize the assets sold below the market price, hold them and rent them out. It is neither illegal nor against discipline to do so. There is no problem using parents' names. It just takes time to settle down, endure loneliness, resist temptation and continue to invest limited funds. The most important thing is actually the original funds. It is best for your parents to sponsor you. It is unrealistic to rely on yourself. After investing several times, you will be very calm, because the rent is enough to live. In extreme cases, you can live for 20 years after selling an asset, because you are already good at grasping low-priced assets. Finally, you can buy critical illness insurance, exercise well, and you can live with peace of mind in this life. I'd like to share my experience with you. I hope you can live a good life. Remember not to expand after success, and be low-key and steady at work. Investment should be accurate soon, and everything can be captured under the premise of better rental. After success, you must be able to control yourself. There are many outstanding people in this society. Don't compare with others, don't underestimate yourself, just agree with yourself. No matter how good others are, they won't give you money for no reason. You don't have to envy him. In the back, he is a billionaire boss or leader. You just need to live your life. If you want to live a happy life, your pension will be very low when you are old, and if you want to enrich yourself, you will retire. Life will be up to you. Think about the rest for yourself!
Begging for food
I remember a meeting, the leader said: I heard that our employees use off-duty time to drive, which is really hard!
In the past two years, the income of the bank was really too low, which even affected the normal food and clothing, but most people were unwilling to take this job and there was no other job suitable for them, so they had to stick to it.
The situation has changed a lot now, but I am very busy every day and have little time to do other things during the day.
It is also a good choice to use the evening time to hold a live broadcast to learn from Xiong Jian, a touring inspection team, and to hold a live broadcast to explain financial knowledge.
If you are famous, there will be a chain reaction, and you will get more deposits and loans, which will also increase your performance.
Sell insurance!
You are also engaged in sideline business. In this case, it is difficult for you to do your work well. Where can banks keep idle people now? Everyone wants to have three heads and six arms. Of course, if you just loaf around at work and no one cares about you, you can consider doing something. After all, as far as banks are concerned, it is hard to say whether they will remain strong. It is a good thing to reserve some resources for yourself in advance.
No matter what industry you are engaged in, it is difficult to do sideline business, especially bankers! I get up at six every morning and go home at nine in the evening. I still can't complete these indicators. I only have one day off every week. If there is an emergency, I will cancel my vacation. It feels like it has been sold to the bank! I don't even have time to think about sideline business, let alone find time to do it! Unless you buy some fixed assets to collect rent, or try to buy some funds for financial management, I can't think of it for the time being!
And banks are not allowed to do sideline business at all! ! !