Internal control is a procedure to reasonably ensure the achievement of three major objectives: the effectiveness and efficiency of operations, the reliability of financial reports, and compliance with laws and regulations. Now I will bring you my experience in bank internal control work, I hope it can help you!
Bank internal control work experience 1
Since 20__, our bank has insisted on Strictly manage the bank, attach great importance to internal control management work, regard internal control work as an important task, and on the premise of strictly implementing the systems and methods of the superior bank, strive to improve and refine the internal control management system according to the actual conditions of the branch, and do a good job In order to achieve business goals, our bank adheres to the business strategy of both business development and internal control management, and plays a positive role in standardizing operating procedures and preventing risks. The basic situation of our bank’s internal control management is now reported as follows:
1. Strengthening the system sorting and learning
Since this year, our bank has sorted out the rules and regulations of each line. In response to new document changes, organize carefully, learn and provide guidance on relevant policies, and always implement the latest system requirements and regulations in actual business operations and operations to ensure that our bank's relevant business operations are in compliance with laws and regulations. In April this year, based on the content of the branch education month activities, our bank comprehensively and in-depth carried out the "Ten Strict Prohibitions for Tellers and Business Institution Leaders", "Professional Ethics for Employees of Banking Financial Institutions", "Bank Co., Ltd. Employee Code", " Measures for Handling Employees' Violations, "Several Provisions on the Integrity of Leaders of State-owned Enterprises", "Several Guidelines for the Integrity of Leading Cadres of the Communist Party of China", "Regulations on Inner-Party Supervision", "Disciplinary Punishments of the Communist Party of China" Regulations and other rules and regulations. All employees of our bank have further enhanced their awareness of complying with rules and regulations and complying with laws and regulations.
2. Continue to implement management and control measures for personnel in important positions
Our bank strictly follows the relevant system requirements in the use of teller numbers, account opening, seal verification, business seal storage, reconciliation, and bill exchange. In business links such as authorization and confirmation of large-amount fund collection and payment, the responsibilities should be assigned to the individual, and incompatible positions and businesses should be clearly defined. We must resolutely put an end to problems such as job hopping, mixed jobs, illegal job assignments, and concurrent jobs. At the same time, our bank has implemented job rotation and compulsory leave systems for personnel in important positions as required. So far, 3 people have been rotated and 3 people have been forced to take compulsory leave.
3. Adhere to the implementation and control of important operational links and high-risk businesses
Our bank will check the implementation of the Double Ten Ban regulations at least once a month; check cash and important transactions at least once a month Check the accounts and accounts of blank vouchers, precious metals, etc.; check account opening, loss reporting, account freezing, large deposits, withdrawals and transfers, customer reserved seals, business seals and teller private seal storage at least once a quarter; every quarter Take the initiative to understand the reconciliation status of key customers of our bank at least once.
4. Actively carry out various risk investigation work this year
Our bank’s risk investigation work will be carried out in accordance with the spirit of this year’s latest documents of the provincial branch and sub-branches, and further strengthen the supervision of various business links. Management, standardizing daily operations, and enhancing employees' compliance operations and risk awareness.
(1) Company Line
According to the requirements of the document "About Clarifying the Management Requirements for RMB Large-amount Transaction Verification and Authorization Registration System?", our bank once again verified the large-amount transaction We have conducted self-examination and standardization of the standards, verification personnel, verification methods, and registration work to ensure our bank's legal compliance in this business operation and execution.
(2) Gold Bar Lines
1. According to the document requirements of the "Notice on the Management Measures for Personal Customer Information of Sending Bank Co., Ltd. (20__ Edition)", our bank will further standardize Inquiry and review of personal customer information, and effectively handle personal customer information of our bank.
2. According to the document requirements of the "Notice on Sending Risk Investigation Plans for Personal Financial Management Business to Sub-branch Employees", our bank will provide a The personal financial product business conducted a comprehensive self-examination on a transaction-by-transaction basis, focusing on whether employees took advantage of their work to handle personal financial services. After self-examination, our bank’s financial management business is in compliance with regulations, and there is no such situation.
(3) Supervision and legal compliance
1. According to the document requirements of the "Notice on Risk Warning to Bank Employees of Leaking Customer Information", our bank has effectively carried out employee ideological awareness education and management work, and increased employee training.
2. In accordance with the document requirements of the "Notice on Strengthening the Prevention of Operational Risks in Employees' Self-operated Business and the Use of Personal Accounts to Transfer Customer Funds", our bank's employees have been provided with business guidance and learning to cultivate the operation of all employees. Risk management culture and standardized counter operation procedures.
5. Implementation of employee ideological dynamics analysis and behavioral investigation system
Recently, our bank organized employee ideological dynamics analysis and behavioral investigation work, through observation, conversation, meeting analysis, home visits, Understand each employee's thoughts and behavioral changes through customer return visits and other methods.
At the same time, we frequently communicate with each employee to provide education on the Double Ten Ban, ideology and ethics, compliance operations and case warnings, and open communication channels to encourage each employee to contribute ideas and suggestions to the branch’s compliance and internal control work.
Thanks to the unremitting efforts of the branch leaders and all employees of our bank, our bank’s internal control and compliance work is operating well. In the future work, our bank will continue to attach great importance to internal control and compliance as a long-term and unremitting task, so that compliance and internal control work can protect our bank's business development.
Bank internal control work experience 2
Since the head office carried out a comprehensive evaluation of internal control in __, our bank has attached great importance to internal control management and regarded internal control as an important task. On the premise of strictly implementing the systems and methods of the superior bank, and based on the actual situation of the branch, we strive to improve and refine the internal control management system, and refine and refine various internal control management. In order to achieve business goals, maintain property integrity, and ensure accounting and other information Correct and legal financial revenue and expenditure, the business policies and business decisions of the decision-making level can be smoothly implemented, and work efficiency and economic benefits can be improved. Our bank adheres to the business strategy of both business development and internal control management, standardizing operating procedures and reducing financial costs. play an active role in promoting risks.
The internal control management situation of the whole bank is now reported as follows:
1. Basic situation of internal control management
The branch has its own office, personnel supervision department, and planned credit There are seven functional departments including the Department, Marketing and Customer Department, Financial Accounting Department, International Business Department, and Compliance Department, as well as a labor union office and a party committee office. It has 11 business institutions under its jurisdiction: business department, branch, branch, branch, branch, branch, branch, branch, branch, branch, branch and 6 more. savings bank. By the end of October, all employees in the bank will be employed, including long-term contract workers and short-term contract workers. In terms of organizational setup, functional departments should be horizontally controlled, and front- and back-office businesses should be separated. In terms of position allocation, personnel should be implemented and responsibilities should be clearly defined. In terms of system construction, documents should be delivered in a timely manner, and learning should be implemented in place. In terms of system implementation, strict requirements should be followed to standardize operations. , strive to reduce operational risks, insist on strengthening self-discipline supervision and re-supervision in terms of institutional guarantees, and safeguard internal control management. Generally speaking, our bank's internal control management work requires leadership attention, organizational implementation, clear responsibilities, three interlocking lines of defense, and increasing risk prevention capabilities.
2. The main measures, effects and achievements achieved in internal control management during the year
In order to ensure the good situation of internal control management of the whole bank, our bank has adopted various measures in internal control management this year. The following measures:
1. Leaders pay attention to and organize implementation. Since ##, the leadership team of our bank has always attached great importance to the internal control work of the branch, and regards strengthening internal control work as a way to improve the management level of the whole bank and standardize business operations. It is an important means to improve the comprehensive quality of employees across the bank, so that ideological awareness is in place, work measures are in place, the organizational system is sound, and punishment rectification is strengthened. Our bank has set up a separate audit office, and the internal control work is led by the audit office. This year *** organized on-site audits with the number of participants. Since the beginning of this year, a work plan has been formulated in accordance with the requirements of the president’s office, and the terms of the director and branch director have been completed. Responsibilities for internal audits of livestock storage, savings, savings, and branch business audits were transferred to individuals. Supported the deployment of branch audit office personnel to conduct extended inspections of problems discovered during supervision. Established a problem rectification ledger and supervised internal control. Evaluate self-examination and self-correction work.
2. Timely convey new policies, new systems and new methods of the China Banking Regulatory Commission, the People's Bank of China and superior banks. According to statistics, by the end of September, *** had forwarded more than ten business documents from internal and external superior banks to the sub-branch, and many business documents from internal and external superior banks to business institutions. After receiving the documents, it organized employee learning in a timely manner and strengthened the overall The bank's employees are proficient in national financial policies, systems and methods, and have standardized employee business operating procedures.
3. Continuously improve various effective rules and regulations based on the actual conditions of the Bank. According to the spirit of the documents of the superior bank, our bank has further penetrated into specific business development and internal control management. This year, the branch has issued various system guarantee and business documents, newly established,, and committees, and adjusted the review committee, committee, leadership The group and leading group issued the annual business target assessment method, the internal comprehensive management assessment method for the principal responsible person of the operating unit, the salary distribution method, the work quality assessment method, and revised the job responsibilities of the branch's functional departments. The introduction of systems and methods has enabled the entire bank to provide effective institutional guarantees for internal control management in terms of organization and responsibilities.
4. Pay great attention to existing problems, clearly implement rectification responsibilities, and do a solid job in rectification work. The rectification work will be led by the compliance department of the branch, supervised by each business department, and the units with problems will implement the rectification. The compliance department establishes a bank-wide rectification ledger, registers the problems and rectification results discovered by various internal and external inspections of the superior bank this year one by one, and sends a "Notice" to the business department to monitor the rectification status of each unit throughout the process. The department establishes a systematic rectification ledger for problems existing in various internal and external inspections and quarterly self-regulation of higher-level banks. According to the "Notice", it goes to the grassroots level to implement rectification and implementation of problems. Units with existing problems focus on the person responsible for rectification, insisting on who handles the rectification, and who rectifies it. The principle is that whoever does not make corrections will be dealt with.
Through the implementation of responsibilities and the combination of vertical and horizontal measures, unless it is difficult to rectify due to objective reasons, the rectification will not leave any blind spots or go against the norm.
5. Self-regulatory supervision procedures will be gradually standardized, and the intensity of punishment will be significantly increased. In March, the branch severely punished relevant personnel who violated the basic accounting business operations and systems of the bank in accordance with the bank employees' measures for handling violations of rules and regulations and the audit handling and punishment measures. The number of people punished and the amount of the punishment was RMB yuan.
6. Actively organize employee training to improve employees’ awareness of standardized operations.
Bank internal control work experience 3
Carrying out large-scale discussion activities on compliance culture construction has positive and far-reaching significance for standardizing operating behaviors, curbing violations of laws and disciplines, and preventing the occurrence of cases. On the one hand, it is necessary to unify the understanding of leaders at all levels on strengthening the construction of compliance culture and make them the advocates, planners and promoters of corporate compliance culture construction. Today's society is a knowledge-based economy, with all kinds of new things emerging, new businesses and new knowledge emerging one after another. The development of the situation requires us to continuously strengthen our study, comprehensively and systematically study political theory, financial business, laws and regulations and other aspects of knowledge, constantly update the knowledge structure, strive to improve the overall quality, and better adapt to the needs of the accelerated development of the entire bank's business.
In accordance with the requirements of "one post, two responsibilities", we must conscientiously perform our job responsibilities, pay attention to strengthening the study of political theory, economics and finance, laws and regulations and other aspects of knowledge, constantly improve our overall quality, and enhance our ability to speak clearly. The ability to resist corruption and change when things go wrong, and to be firm and clear-headed in the face of major right and wrong.
At the same time, it is necessary to further correct the guiding ideology of operations, enhance the awareness of prudent operation in compliance with laws and regulations, guide the bank's various operating activities on the right track, and promote the healthy and effective development of various businesses. On the one hand, it is necessary to raise the awareness of all employees on the compliance culture construction discussion activities. The cadres and employees of the whole bank are the main body of the bank’s corporate compliance culture construction, and they are also the practitioners and creators of corporate compliance culture. Without the majority of employees, Without active participation, it is impossible to build an excellent company with a compliance culture, let alone to make employees abide by the law. From a practical perspective, many employees lack scientific familiarity and understanding of the connotation of corporate compliance culture education construction, and confuse corporate compliance culture construction with the company's general cultural and entertainment activities, thinking that they can mention a few words, organize some cultural and sports activities, and sing Tiaotiao is the construction of corporate compliance culture. To carry out a big discussion on compliance culture construction among all employees is to make everyone realize the extreme importance of compliance culture construction and actively participate in it through learning and discussion. Secondly, make great efforts to train and assess all employees. Business training strives to be comprehensive, systematic, professional, practical, and upgrading. All business personnel must be familiar with the system regulations and strive to become qualified tellers, Experts; through a series of activities, all employees can correctly grasp the true scientific connotation of corporate compliance culture construction, consciously integrate into the corporate compliance culture construction, enhance the awareness of internal control and governance, pay close attention to basic governance, and promote legal and compliant operations.
Bank internal control work experience 4
Compliance management is an inherent requirement for the stable operation of the bank. It is a duty that every employee must perform. It is also a powerful weapon to protect our own vital interests. Through studying the internal control system of the whole bank, I have a deeper understanding of compliance. From the compliance cases I study every month, I deeply understand the importance of bank compliance. Every case is deeply It reminds us to strictly abide by the regulations and start with me.
The quality and efficiency that banks rely on for their survival come from operating in compliance with laws and regulations, from every link that produces quality and efficiency, and from every employee in every position. The development of banks must be based on legal and compliant operations in order to prevent risks from the source. Strengthening the awareness of compliance operations is not an empty talk. Sometimes, I always feel that some rules and regulations are restricting business management and restricting business development. If you think about it carefully, it is actually not the case. The establishment of various rules and regulations is not the product of imagination, but the summation of many practical work experiences and lessons. Only by acting in accordance with various rules and regulations can we protect ourselves and others. The ability to benefit our customers. Compliance is not something that can be accomplished in a day, but violation can be a matter of a single thought. So take care of yourself. Insist on handling every business in accordance with operating procedures, embed habitual compliance operations into various business activities, and make habitual compliance actions become habitual compliance operations.
There are many real people and real stories around us. Many people think that when it comes to compliance, they are restricted, feel that business is difficult to do, and development is also affected. When accepting compliance management There will always be some resistance unconsciously, but what we need to understand is that compliance and business development are not contradictory, let alone antagonistic. Ten small violations may cause a major accident, which requires us to root out the root causes. Control risks, eliminate illegal operations, and truly integrate the compliance culture into the daily behavior of our employees.
"Compliance management" is a principle that we should adhere to at all times. Through this study, I established the concept that everyone is responsible for compliance and it starts with me.
As an ordinary employee, especially for our retail front-line employees, not only can we achieve the goal by studying this time, but there is still a lot to learn in future work. Continue to study in depth. Compliance is not achieved overnight. We must truly implement compliance management in daily work, consciously abide by compliance management, standardize operations, start from each specific business in a down-to-earth manner, and develop good working habits.
Experience 5 on internal control work in banks
Judging from the economic cases that have occurred in the financial system in recent years, "nine out of ten cases are violations". , Ineffective supervision is indeed an important root cause. 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.
Compliance management is an inherent requirement for the stable operation of the bank. It is a duty that every employee must perform. It is also a powerful weapon to protect our own vital interests. Through the study of the internal control system carried out throughout the bank, I have a deeper understanding of compliance. As a member of Lingcheng Yuanrong Rural Bank, I deeply understand the significance of compliance. Now let me talk about my experience during this study:
Compliance management is the need to prevent operational risks of commercial banks. Compliance management is the need to standardize operating behaviors, curb violations of regulations and disciplines, prevent the occurrence of cases, comprehensively prevent risks, and improve the level of operation and management. It can create value for banks, and effective compliance management can eliminate compliance risks invisible.
Compliance management is the need to improve the institutional system of commercial banks. The quality and efficiency that banks rely on for their survival come from operating in compliance with laws and regulations, from every link that produces quality and efficiency, and from every employee in every position. The development of banks must be based on legal and compliant operations in order to prevent risks from the source.
Compliance operations are an important guarantee for banks to achieve their development goals. Compliance management is to protect the business and serve to better promote business development. In the process of development, business expansion and peer competition, only by closely following the concept of compliance management and improving the quality of management can the longevity of banking business be ensured.
Strengthening the awareness of compliance operations is not an empty talk. Sometimes, I always feel that some rules and regulations are restricting business management and restricting business development. If you think about it carefully, it is actually not the case. The establishment of various rules and regulations is not the product of imagination, but the summation of many practical work experiences and lessons. Only by acting in accordance with various rules and regulations can we protect ourselves and others. The ability to benefit our customers.
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 and promote the development of internal prevention mechanisms. Strengthen and improve, and strive to develop business under the premise of standardization. While developing business, strengthen standardized management to ensure that various business processes and rules and regulations are carried out within the constraints.
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