Experience of compliance management of bank staff (1);
Recently, I advocated the construction of compliance culture. Through the reappearance of cases, I deeply felt the importance and necessity of compliance culture construction, and I felt a lot.
First, enhance the sense of responsibility and strengthen the supervision of responsibilities.
First of all, we should really understand the importance of responsibility. Whether in an accounting position or a credit position, whether in a foreground position or a background position, each of our employees should always be aware of their responsibilities. No matter whether the business is unfamiliar or skilled, whether the business is busy or idle, whether the staff is tight or slack, we must strictly follow the rules and operate according to the rules. If we get tired of our work, lose our enthusiasm, be careless in our thoughts, fail to examine our business carefully, keep a strict check, and don't want to explore new risk points, then the potential risks may have been constituted, and unintentional mistakes will lead to cases. We must always remind ourselves: "My slight negligence may bring annoyance to our customers;" My minor mistakes may bring huge losses to CCB. "
Secondly, responsibility is a constraint. We have seen and heard many cases of warning education, most of which originated from a weak sense of responsibility. In the case, some people turn a blind eye to the signs and signs of violations by people around them; Do not remind or warn people with abnormal behavior as colleagues; What's more, not only did we not raise objections, but we also gave the green light to the perpetrators because we didn't follow the rules. Because we didn't have a strong sense of responsibility, we failed to find and stop the violations in time. Because the responsibility is not strong, we have brought convenience to those who have the intention to commit crimes. If everyone is responsible for himself and others at the same time, then the restriction mechanism of our mutual supervision is not empty talk, and the goal of Ping An Construction Bank will not be far away.
Two, strengthen learning, improve their own quality, establish a solid professional ethics.
As employees in the financial industry, business learning is important, but the improvement of ideological consciousness and the sublimation of moral quality need to be ensured through learning. On the one hand, we should consciously study, learn various internal systems and prohibitions, and understand what can and why not be done; Read more newspapers and news, learn from good deeds, follow the example of people with positive energy, and reach the height of resisting corrosion and preventing corrosion ideologically. On the other hand, we cannot ignore professional ethics because of the influence of the surrounding environment. Around us, there are many people who wear famous brands and drive luxury cars. We can't lose our professional ethics because of envy and imitation. Around our employees, an individual broke the system and rules and got a temporary benefit by luck. As other employees in the same environment, we can't have the wild idea that "I can do the same thing" because "he did it", otherwise, we will be deeply involved and unable to extricate ourselves.
Third, practice and be a practitioner of compliance culture construction
As an accounting supervisor, first of all, I should study my business seriously, study hard and think more. Secondly, the inspection work is meticulous and solid, and it does not go through the motions. Before inspection, make clear the inspection data and consider the inspection method in advance; In the inspection, people are conscious, both brains and hands-on, and business guidance and business inspection are combined; After the inspection, put forward recommendations and measures for the rectification of the problems. Through inspection and supervision, we will contribute to the standardization of accounting, the improvement of accounting level and the prevention and control of risks.
Experience of compliance management of bank staff (2);
In order to enhance the awareness of compliance management of financial business and cultivate a good compliance culture, Liuxiang Sub-branch recently held a kick-off meeting on risk compliance education. The conference aims to strengthen the study of compliance culture and carry out activities to promote compliance construction. The development of the banking industry is always accompanied by financial risks. The construction of compliance culture makes it possible to establish a long-term mechanism for risk prevention and control and to achieve long-term stability, which will bring strong support and guarantee for the implementation of Minsheng Bank's business philosophy and system.
In recent years, economic cases in the financial system have not only seriously damaged the economic and financial order, but also seriously damaged the social reputation of banks. In recent years, professional crimes in banks are on the rise. One of the important reasons is that ideological education is neglected, and the importance of professional work is only emphasized at ordinary times, ignoring the ideological construction of employees, and the relationship between ideological and political work and professional work is not properly handled. Taking corresponding measures to strengthen prevention from the source is an important line of defense against financial crimes in the new period. We should not only carry out positive education, but also insist on regular safety warning education, so that employees can strengthen their ideological defense lines and often warn themselves that "if you reach out, you will be caught", thus laying a good ideological foundation for eliminating financial crimes and consciously walking by the river, that is, you don't wet your shoes.
The bottom line of risk can't be crossed, the bottom line of compliance can't be touched, and the bottom line of morality can't be broken. Strengthen the implementation of rules and regulations and the awareness of supervision and prevention of cases. Whether the rules and regulations are implemented or not depends on the broad masses of employees' clear understanding and proficiency in various rules and regulations. As for the implementation of rules and regulations, as far as front-line tellers are concerned, internally, they should start from me, correctly handle every business, carefully examine every bill, supervise the legal compliance of authorized business, resist all kinds of illegal operation levels, and do a good job of mutual restraint and mutual supervision. They should not deviate from the rules and regulations because of their colleagues' feelings, and always adhere to the rules and regulations. In this way, our rules and regulations can be implemented and our capital security can be guaranteed.
Use your brains to run a bank, run a bank in a proper way, and run a bank in a down-to-earth manner. We should take the compliance requirements of the chairman as the goal and escort the 2.0 version of Minsheng Bank!
Experience of bank staff's behavior compliance management (3);
In the study and education activities some time ago, I deeply realized that the growth of the cause of Agricultural Bank of China can not be separated from the open and closed operation, but also accompanied by the prevention and control of financial risks. Promoting the construction of compliance culture will certainly bring strong support and guarantee for the implementation of ABC's business philosophy and system, and also make it possible to establish a long-term mechanism for risk prevention and control and achieve long-term stability. Below, I would like to talk about some superficial views on how to improve the efficiency of banks and reduce financial risks.
First, we should put the concept of "customer-centered" throughout our work. "The foundation is solid, as steady as Mount Tai; The foundation is not firm, and the ground shakes. " Risk prevention and control, in the final analysis, is the human factor plays an important role, customers create the market, customers create value, customers are the source of our benefits, is our parents, with customers, our business can develop, the value of employees can be reflected. If employees in each position can be strict with requirements, norms, standards and rules, risks in business operations will be effectively curbed. It is necessary to vigorously advocate and publicize advanced concepts such as value maximization, capital constraint, comprehensive risk management, balance between risk and income, and internal control priority among all employees, so that all employees can understand the relationship between asset quality and economic added value, and salary distribution, consciously change their concepts, incorporate their own work into the risk control system as the first line of defense, and guide and lead the employees of the whole bank to form a good atmosphere for standardized operation and risk prevention. Taking serving the front desk, grassroots and customers as the starting point and destination to improve the level of risk and return management can effectively improve the implementation and implementation of the Bank's risk management and internal control policies, regulations and systems, and play an irreplaceable role in comprehensively strengthening risk management and internal control construction.
Second, we should update our service awareness. In reality, the business foundation of a bank is the market. Without the market, there will be no bank, and without the high-quality market and customers, there will be no bank's business development. Strengthening marketing is an urgent task to improve our core competitive potential. From our bank's point of view, our awareness of business service has changed to a great extent compared with before, but these changes are only at the superficial level and lack of deeper excavation. In the current increasingly fierce market competition, it is necessary to break through the original limitations, create personalized services, and attract customers with comprehensive and high-quality services in order to be invincible in the competition. This requires us to establish a strong market awareness, be good at studying realistic and potential markets, be good at expanding high-quality markets, be good at competing for high-quality customers, and promote the rapid development of business through effective marketing. Personality is to identify with customer orientation, and firmly establish the consciousness of serving high-quality customers, because 20% of high-quality customers will bring us 80% of operating profits.
Third, we should really improve the level and skills of risk management. On the one hand, from our own point of view, there are many restrictions on bank costs, including financial costs, tax costs, provision costs, capital costs, risk loss costs and so on. Under the planned economy system, we ignored the cost constraints for a long time, blindly increased the number of people and institutions and increased the scale, regardless of the cost, which caused considerable waste. In addition, our internal management also has loopholes in cost constraints, lacking effective measures to control and save costs, and many leaders realize that employees do not have a good sense of saving costs. Practice has proved that operating without constraints will increase business risks. Therefore, we should change the previous situation of blindly pursuing the growth of scale and quantity, emphasizing scale, neglecting benefits, emphasizing development, neglecting risks, emphasizing input and output, emphasizing short-term benefits and neglecting long-term benefits, implement the understanding of various cost constraints to the management of banks at all levels, learn to develop healthily under the conditions of cost constraints, stress cost management in every business, and carefully calculate and evaluate the proportion of input and output. On the other hand, the concept that advanced foreign banks emphasize that "the awareness and potential of risk management are supported by customers" is what we lack. As an employee, personality is as a leader, only the awareness of risk service is not enough, but also the skills of risk service. It is necessary to take effective measures to cultivate employees' risk awareness, let employees know what to do and what not to do, and ensure strict implementation of operating procedures, post systems, compliance and law-abiding work standards and disciplines in their work.
Punish the rules, implement compliance management, compliance operation and compliance operation, make the awareness of being alert to risks, facing risks squarely, managing risks and preventing risks penetrate into the hearts of every employee, further strengthen internal control, enhance self-restraint and self-development potential, and bring effective protection to comprehensively enhance the core competitiveness of banks.
Fourth, we should establish a comprehensive, coordinated and balanced business philosophy. At present, the main source of our bank's profits still depends on customer business, but relying solely on this traditional business is far from meeting the market demand. With the development of the capital primary market, the financing channels of enterprises are gradually widened, and some high-quality customers no longer need the financing channels of banks. The advancement of interest rate marketization and the increasing diversification of customers' demands force us to think about the future development. Real high-quality commercial banks should not only bring financial services to customers, but also bring intermediary services such as capital settlement, financial consultants and wealth management services to customers. At the moment, the rapid expansion of intermediary business, enhancing the value of customer service and maximizing the value of customers require commercial banks to realize the balanced development of assets, liabilities and intermediary business. At the same time, because the development of intermediary business is not constrained by capital, it can make up for the restrictions on the development of asset-liability business. Therefore, coordinating the development of assets, liabilities and intermediary business is not only the requirement of market economy law for commercial banks, but also the inherent requirement of commercial bank operating rules. In order to gain access to the economy, while developing its business, ABC should fully promote the construction of a compliance culture with employees as the main body and core, business-oriented, management-oriented and operation-oriented. Through strengthening education and training, organizing the analysis of the causes of risk points, building a prevention and control system, optimizing processes, standardizing management, ensuring the quality of business development and other activities, the concept that compliance is everyone's responsibility and compliance creates value has been deeply rooted in the hearts of the people. Let decision-making according to law, compliance operation and management, handling affairs according to rules and compliance operation become a common practice throughout the bank.
. Effectively rectify the persistent diseases of non-compliance, illegal operation and repeated investigations, eliminate hidden dangers in basic management in time, enhance the potential of risk prevention, and create good conditions for the sustained and healthy development of the business.
Experience of bank staff's behavior compliance management (4);
In order to enhance the bank's awareness of compliance management, cultivate a good compliance culture, effectively prevent compliance risks, and operate in compliance with the law, Longchuan Post Bank held a learning meeting on the annual activity plan of Longchuan Post Financial Compliance Management on February 17, 2009. The leaders and staff all took part in this study meeting with their hearts, and the learning atmosphere was strong. Through this study, I will report my learning experience as follows:
First, learn compliance and raise awareness
In this learning activity, we systematically studied the information required by the scheme, and I made careful study notes at the learning meeting. Through learning, I had a deeper understanding of compliance management and realized the urgency of compliance management to prevent risks under the current new situation. Through learning, I have formed a working consciousness of "compliance operation and risk prevention" ideologically. Through this compliance management study, I found my correct value orientation and enhanced my awareness of compliance management and compliance management.
Second, strengthen the management of learning compliance
The concept of "compliance management and risk prevention" is a principle that we should adhere to all the time, everywhere and everything. It takes time to shape it, not something that can be done overnight. Personality For me who just came into contact with the financial industry, I can't just think that I can achieve my goal this time. I still have a lot to learn in my future work. We should continue to study the relevant rules and regulations in depth, and strictly standardize and implement the rules and regulations. Only in this way can the risks in business operations be effectively contained. Not only should the awareness of compliance management be gradually improved, but my post operation and business skills need to be further strengthened.
Third, compliance management starts with me
Through this study on compliance management, I have established the concepts of "Everyone is responsible for compliance", "Compliance starts with me", "Compliance creates value" and "Compliance promotes development". As an ordinary employee, you should truly implement compliance management in your daily work, consciously abide by compliance management, standardize operations, start from every specific business in a down-to-earth manner, truly cultivate compliance as a kind of consciousness, and finally develop good work habits.
The study meeting ended in a short time of more than one hour. Although the time is short, it is of great benefit to me. Through the study, I not only understand the meaning of compliance management, but also have higher requirements for my professional quality and skills, and strive to standardize the operation in my future work.
Experience of compliance management of bank staff (5);
Through the previous stage of study, I deeply realized that the compliance culture education activities concentrated on the values, business concepts, codes of conduct, common beliefs, creativity, cohesion and combat effectiveness of employees of the Agricultural Bank of China, which is a strong political guarantee and organizational guarantee for promoting the reform and development of the Agricultural Bank of China. With the development of this learning activity, I have further recognized my post responsibilities, purified my thoughts and improved my work potential. Below, I would like to report the experience of this study:
First, strengthening the education of compliance culture is the need to improve the management level. Carrying out compliance culture education activities has far-reaching benefits for standardizing operational behavior, curbing violations of law and discipline and preventing cases from happening. The development of the situation requires us to constantly strengthen our study, comprehensively and systematically study political theory, financial business, laws and regulations and other aspects of knowledge, constantly update our knowledge structure, strive to improve our comprehensive quality, better meet the needs of the accelerated development of the whole bank's business, enhance the potential of distinguishing between right and wrong, refuse corruption and prevent change, and be firm and clear-headed in the face of big and big issues.
Second, strengthening compliance culture education is the need to establish a long-term development mechanism. The construction of enterprise compliance culture education is a huge systematic project, which can not be built overnight. Compliance culture should include enterprise spirit, values, enterprise objectives, enterprise system, enterprise environment, enterprise image, enterprise etiquette, enterprise logo and other materials, which constitute a cultural management concept with its own characteristics.
Third, strengthening compliance culture education is the need to improve economic efficiency. The main purpose of strengthening compliance culture education is to reduce financial risks and maximize the benefits of enterprises by improving the cohesion and centripetal force of enterprises. At work, we should achieve the "three essentials". First, we must establish a correct guiding ideology. We should pay attention to the safety and liquidity of funds while pursuing profit, and prevent the tendency of neglecting risk prevention and internal control mechanism construction in order to pursue high-speed business growth unilaterally. Personality should prevent enterprises from speculating in banks. A project will inevitably lead to competition among many banks. In the competition, enterprises will definitely put forward some unreasonable conditions for banks to increase the risk of loans. It is necessary to weigh the pros and cons well and avoid
Sesame loses watermelon. Would rather not develop, not blindly develop, and cause new capital precipitation. Second, we must establish and improve various rules and regulations. We should always put system construction in a prominent position, pay attention to restraining people with systems, and regulate daily behavior with systems. To this end, it is necessary to formulate and improve a series of rules and regulations in combination with the actual work, adhere to the system to standardize the business operation process, ensure that there are rules to follow, effectively plug all kinds of loopholes, prevent the occurrence of violations, and ensure that there are no problems in every link. We should learn from international advanced experience, use modern scientific and technological means attentively, establish and improve a monitoring, evaluation and early warning system covering all business risks, pay attention to the concentration of loan risks and credit monitoring and risk warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the system of registration and risk warning of major breach of contract. It is necessary to establish and improve the internal control system, ensure the safety, liquidity and efficiency of operation, establish a balance mechanism of self-adjustment, self-restraint and self-control, establish and improve the internal control system of continuous self-improvement in the process of pursuing self-economic interests, and strengthen the prevention of operational risks. Fourth, we must persist in ideological education. We should firmly grasp the important link of ideological education, often carry out the study of relevant rules and regulations, carry out targeted education on the party's work style and clean government, constantly enhance the awareness of operating in compliance with the law, and make use of the cases that have happened around the financial system to present their views, so that all employees can always keep a clear head and consciously resist the erosion of various decadent ideas.
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