[Boutique] Bank compliance experience

Part 1: Banking compliance experience

Recently, the provincial bank carried out the special education learning activities of “Starting from me, compliance operation”. During the learning activities, I followed the opinions of the relevant activities issued by the provincial bank and combined with my actual situation in the work, the professional ethics. Integrity, compliance awareness and awareness of supervision and prevention have a deeper understanding. I have summarized some experiences on the experience of this learning activity, and this is my time.

A rational understanding of educational learning activities.

First, dedication, selfless dedication: dedication in the ordinary, love and dedication is the most common dedication in all walks of life, it seems ordinary, but in fact great. In a big way, a profession and a job are the basic guarantees for a person to survive and develop. From a small perspective, for example, our Agricultural Bank, each person's job position is the guarantee of personal survival and development, and is also necessary for the existence and development of ABC. The development of the Agricultural Bank of China must be strong and invincible in this highly competitive financial industry. It is impossible to be invincible without the selfless dedication of each of our comrades. As a farmer, for the future of the Agricultural Bank, for the honor of the Agricultural Bank, to be a person who loves and dedication, it is the rule of conduct that professional morality is most used to regulate the quality of behavior and evaluate good and evil.

As a financial unit, employees should seek truth and morality in their own occupations. If the road goes wrong, they will make mistakes and lose their way. If there is no virtue, it will be difficult to serve the people, so they cannot talk about themselves. The cause of the business is that without the prosperity of the unit business, there will be no development of personal undertakings, and the social value of personal existence will be lost. I am currently working in the Agricultural Bank. This is my profession and my only occupation. Since I joined the work, I have been engaged in this profession. I have always loved this profession and have a strong interest and deep feelings for the ABC work. I have always been dedicated to my work. Only dedication and dedication are the concrete manifestation of my spirit of serving the people.

To be professional and ethical must also be honest and trustworthy, the so-called honesty is loyal, loyal and honest. The so-called trustworthiness is to speak, count credibility and credit, and fulfill their obligations. Therefore, through this study, I have learned more about the fundamentals, people, words and deeds and responsibilities of an ABC employee. They are constantly strengthening their studies in their work, always asking themselves and working hard according to professional norms. I am invincible.

Second, strengthen business knowledge learning and enhance awareness of compliance operations. "There is no rule in the square", as a front-line employee of the network, to effectively improve the quality of business and risk prevention capabilities, comprehensively strengthen the counter sales and counter services, is the most practical task for our staff. As a staff member, I know the importance of working in the cabinet because it is a direct understanding of the customer window and serves as a bridge between the customer and the bank. Therefore, in the work of the cabinet, I started. I will continue to be a "hearted person." Learn business humbly, exercise skills, patiently handle business, and treat customers with enthusiasm. Under the increasingly fierce competition in the banking industry, we are all very aware that only the more patient, thoughtful and fast quality service can win more customers and win a better social image. Every day we face different levels of customers and all kinds of things, and we also require our front-line employees to have a high degree of ideological awareness.

Strengthening awareness of compliance operations is not an empty talk. Sometimes, I always feel that some rules and regulations are restricting the handling of our business, which restricts the development of our business and thinks about it in detail. In fact, the establishment of various rules and regulations is not a product that is imagined out of thin air, but is experienced. After summing up many practical work experience and lessons learned, we can only protect our own rights and protect the rights and interests of our customers only by following the rules and regulations. Our rules and regulations are just like a huge machine. Every system is a machine part. If we don't follow the program to operate it, even if there is one less nail, it will cause immeasurable loss. The maintenance and implementation of various systems is to be strictly enforced by our employees. Just as the violations mentioned in Case 3 of the Violation of Discipline Violation Cases, if there is no teller Huang Qiqin, there is no temporary signing system, no cashier. Yan Chaoxia's casual indulgence, Dawu branch itself does not follow the rules to let the class teacher on behalf of the class, the light of all violations can not succeed. The indulgence of asylum in the aftermath of the Dawu sub-branch also led to the extension of the bright and irregular incidents. Looking at the leopard in the tube, it is obvious that the implementation of the rules and regulations is not implemented by a certain person, but by a collective mutual restraint and supervision.

Third, enhance the implementation of rules and regulations and supervision to prevent case awareness. The bank is known as “three irons: “iron system, iron abacus, iron account book.” It is because of the “three irons” of the bank that the bank can be trusted in the hearts of the people. The implementation of the rules and regulations depends on the employees. The clear understanding and proficiency of various rules and regulations, non-compliance with regulations, and the fact that there are chapters are taboos in various industries. The car dealers have a long way to go. For the implementation of rules and regulations, for the first-line tellers, from the inside It is necessary to start from me, correctly handle each business, carefully review each bill, supervise the legal compliance of the authorized business, strictly enforce the security of the business operation system, resist various illegal operations, etc., and do a good job of mutual restraint and mutual supervision. We must not be inconsistent with the pursuit of economic benefits and the deviation from the rules and regulations. We insist on doing things in accordance with the regulations from beginning to end. So, our system has to be implemented, and our financial security is guaranteed. A good system, if it can't get a good implementation, it will also go to the opposite side.

In recent years, economic cases in the financial system have not only disrupted the economic and financial order, but also seriously damaged the bank's social reputation. 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 banking professional crimes have shown an upward trend in recent years is that they ignore the ideological education. They only emphasize the importance of business work, neglect the ideological construction of cadres and workers, and fail to properly handle ideological and political work and business work. The relationship is limited to both positive education and regular case warning education, so that cadres and workers can strengthen their ideological defenses and often warn themselves that they will “make their hands and reach out and catch them”, thus laying a good foundation for the elimination of financial crimes. And the basis of thought, consciously doing it often by the river, is not wet shoes. Sound rules and regulations and strict internal management are 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 according to the characteristics of our frontline tellers' work, and through learning, so that all positions can truly fulfill their duties, fine systems, and strict operations. Effective pre-existing prevention and supervision is an important part of preventing economic cases. Self-inspection and self-immunization of this position are the first; secondly, regular or irregular self-inspection, superior inspection, cross-checking, etc. Find and correct deviations in your work in a timely manner. Effective internal control and control of all aspects of business work.

Through this compliance education activity, we have found self-correct value orientation and non-standards, identified the foothold of the work, enhanced the awareness of compliance management and compliance management, and improved our business through in-depth study of relevant systems. The quality and the consciousness of the execution system have higher requirements. In order to identify and control various risk enhancement capabilities in the business, actively regulate operational behaviors and eliminate potential risks, establish confidence in ABC reform, and enhance the responsibility for safeguarding the interests of ABC. A sense of mission and a well-established compliance culture have helped a lot.

Part 2: Banking compliance experience

Through the previous stage of study, I deeply realized that the Compliance Culture Education Activity is a management system and organization form that has the financial characteristics of the Agricultural Bank in a specific historical period, and is compatible with the management system and organization form of the Agricultural Bank. Drawing on the values ​​of the management experience of the Basel Committee on Banking Supervision and putting into practice, the focus is on agriculture.

The value standards, business concepts, behavioral norms, common beliefs, creativity, cohesiveness and combat effectiveness of bank employees are the strong political guarantee and organizational guarantee for promoting the reform and development of the Agricultural Bank. It can be said that the launch of this activity allowed me to further recognize the duties of the post, purify the mind and improve the leadership ability. Below, I will talk about my insights on the gains of this study.

First, strengthening compliance culture education is the need to improve the level of management. Conducting compliance culture education activities has positive and far-reaching significance for regulating operational behaviors, curbing violations of laws and regulations, and preventing cases. On the one hand, it is necessary to unify the understanding of leaders at all levels to strengthen compliance culture education, and make it an advocate, planner and promoter of corporate compliance culture construction. Today's society is a knowledge-based economy society, and various new things are constantly emerging. New business and new knowledge are emerging one after another. The development of the situation requires us to continuously strengthen our study, comprehensively and systematically study the knowledge of political theory, financial business, laws and regulations, constantly update the knowledge structure, strive to improve the overall quality, and better adapt to the needs of the development of the Bank's business. In accordance with the requirements of "one post and two responsibilities", earnestly perform job duties, especially to strengthen the study of political theory, economic finance, laws and regulations, etc., continuously improve their comprehensive quality, enhance the clarification and anti-corruption The ability to prevent change is to be firm and clear-headed in the face of big and big. At the same time, it is necessary to further correct the business guiding ideology, enhance the awareness of legal compliance and prudent management, and lead the Bank's various business activities to the right track to promote the healthy and effective development of various businesses.

We must be honest and pragmatic in our bank, form a truth-telling, report the truth, make real moves, do practical things, and pragmatic management style, create a good business environment, improve management, strict discipline, strict responsibility, and grasp Implement and strictly control various moral hazards, operational risks and management risks, and maintain and enhance the image of ABC. On the one hand, it is necessary to improve the awareness of all employees on strengthening corporate compliance culture education. The cadres and workers of the whole bank are the main body of the compliance culture construction of Quanzhou Agricultural Bank, and the practitioner and creator of the corporate compliance culture. With participation, it is impossible to build a good compliant culture enterprise, let alone keep employees compliant. From the reality, many employees lack scientific understanding and understanding of the connotation of corporate compliance culture education, and confuse the construction of corporate compliance culture with the general cultural and entertainment activities of enterprises. They think that they should mention a few slogans, organize some cultural and sports activities, and sing. Singing and jumping is the construction of corporate compliance culture. It is necessary to concentrate time and concentrate on the training and assessment of accounting personnel. The business training strives to achieve comprehensive, systematic, professional, practical, and enhancement. It is necessary for all accounting cashiers to be familiar with the system regulations. Qualified tellers, counters become the marketing stage; it is necessary to strengthen the training of political, ideological and professional ethics of accounting personnel. In view of the actual situation of different positions, we will take different forms such as training and special training, and strive to make the comprehensive quality of the accounting team in the original Based on another level. Through a series of activities, all employees can accurately grasp the true scientific connotation of corporate compliance culture construction, consciously integrate into the corporate compliance culture construction, enhance the awareness of internal control management, pay close attention to basic management, and promote legal compliance management.

Second, strengthening compliance culture education is the need to establish a long-term development mechanism. The construction of corporate compliance culture education is a huge systematic project, which can not be built overnight. To properly determine the development goals, we must have certain planning goals in a period of time, and finally establish a mechanism to adapt to the long-term development of the enterprise. From the perspective of the Bank, he should include the corporate spirit, values, corporate goals, corporate systems, corporate environment, corporate image, corporate etiquette, corporate identity and other content, forming a cultural business philosophy with its own characteristics. First of all, we must take the form of going out, coming in, etc. Through learning, communication, and discussion, all employees will realize how the agricultural bank should develop, how should employees do their own work in their own positions, and the difference is different from other employees. How big should be, how to improve it; what role does it have in the big family of the emerging sub-branch, how much power has been exerted by itself, and what constructive opinions are there on the reform and development of the ABC. It is necessary to discuss the individual's outlook on life, world outlook and values ​​by talking about it, so as to establish a compliance culture of the Bank, and thus improve the cohesiveness and combat effectiveness of the Bank of Agriculture. Secondly, it should be combined with the special treatment of cases and the ongoing special work of commercial bribery. It is necessary to make overall plans and rational arrangements, strengthen the analysis and research on the business links of illegal trading and commercial bribery, highlight key points, and carry out special projects in a targeted manner. Governance, resolutely correct the misconduct in business activities that violates business ethics and market rules, affects fair competition, and investigates commercial bribery cases according to law. Through educational activities, employees are encouraged to report violations of laws and regulations, provide case clues, promote the special work of cases, and improve the corporate compliance culture. Finally, it is necessary to combine the actual work and conscientiously carry out standardized services. In accordance with the provisions of the regulations of the head office, special study is required on some detailed and difficult issues. For the current business operation and counter service situation, carefully summarize and segment customer groups and business needs, integrate limited resources, and focus on the service focus of large contradictions and service difficulties, open up ideas, and continuously innovate service methods to the maximum extent. Meet the needs of customers and enhance the essence of corporate compliance culture.

Third, strengthening compliance culture education is the need to improve economic efficiency. The main purpose of strengthening compliance culture education is to maximize the efficiency of enterprises by improving the cohesiveness and centripetal force of enterprises and reducing financial risks. In the work, we should do "three musts." First, we must establish correct guiding ideology. In the pursuit of profitability, we must pay attention to the safety and liquidity of funds, and prevent the tendency to ignore the risk prevention and internal control mechanism in order to unilaterally pursue high-speed business growth. In particular, we must prevent companies from speculating on the bank. A project will inevitably lead to competition among many banks. In the competition, enterprises will certainly 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

Lost watermelon with sesame seeds. I would rather not develop, do not blindly develop, and cause new funds to settle. Second, we must establish and improve various rules and regulations. We must always put the system construction in a prominent position, pay attention to using the system to bind people, and use the system to regulate daily behavior. To this end, we must formulate and improve a series of rules and regulations in accordance with the actual work, adhere to the system to regulate the business process, ensure that there are rules to follow, effectively block various loopholes, prevent violations, and ensure that every link does not appear. problem. We must carefully learn from international advanced experience and actively use modern scientific and technological means to establish and improve monitoring, evaluation and early warning systems covering all business risks. We must pay attention to loan risk concentration and credit reporting and risk warnings of affiliated enterprises, attach importance to early warning, and conscientiously implement major defaults. Situation registration and risk alert system. It is necessary to establish a sound internal control system, ensure the safety, liquidity and efficiency of operation, establish a self-adjusting, self-discipline and self-control check and balance mechanism, and establish and improve a self-improving internal control system in the process of pursuing self-economic benefits. Strengthen operational risk prevention. Fourth, we must adhere to ideological education. We must firmly grasp the important link of ideological education, often carry out the study of relevant rules and regulations, conduct targeted education on party style and clean government, continuously enhance the awareness of legal compliance management, and use the cases around the financial system to make a statement. Employees always keep a clear head and consciously resist the erosion of all kinds of decadent ideas.

Part 3: Banking compliance experience

Through the previous stage of study, I deeply realized that the Compliance Culture Education Activity is a management system and organization form that has the financial characteristics of the Agricultural Bank in a specific historical period, and is compatible with the management system and organization form of the Agricultural Bank. Drawing on the management experience of the Basel Committee on Banking Supervision and putting into practice the values, it embodies the value standards, business concepts, behavioral norms, common beliefs, creativity, cohesiveness and combat effectiveness of the employees of the Agricultural Bank, which is to promote the reform of the Agricultural Bank. Strong political guarantees and organizational guarantees for development. It can be said that the launch of this activity allowed me to further recognize the duties of the post, purify the mind and improve the leadership ability. Below, I will talk about my insights on the gains of this study.

First, strengthening compliance culture education is the need to improve the level of management. Conducting compliance culture education activities has positive and far-reaching significance for regulating operational behaviors, curbing violations of laws and regulations, and preventing cases. On the one hand, it is necessary to unify the understanding of leaders at all levels to strengthen compliance culture education, and make it an advocate, planner and promoter of corporate compliance culture construction. Today's society is a knowledge-based economy society, and various new things are constantly emerging. New business and new knowledge are emerging one after another. The development of the situation requires us to continuously strengthen our study, comprehensively and systematically study the knowledge of political theory, financial business, laws and regulations, constantly update the knowledge structure, strive to improve the overall quality, and better adapt to the needs of the development of the Bank's business. In accordance with the requirements of "one post and two responsibilities", earnestly perform job duties, especially to strengthen the study of political theory, economic finance, laws and regulations, etc., continuously improve their comprehensive quality, enhance the clarification and anti-corruption The ability to prevent change is to be firm and clear-headed in the face of big and big. At the same time, it is necessary to further correct the business guiding ideology, enhance the awareness of legal compliance and prudent management, and lead the Bank's various business activities to the right track to promote the healthy and effective development of various businesses. We must be honest and pragmatic in our bank, form a truth-telling, report the truth, make real moves, do practical things, and pragmatic management style, create a good business environment, improve management, strict discipline, strict responsibility, and grasp Implement and strictly control various moral hazards, operational risks and management risks, and maintain and enhance the image of ABC. On the one hand, it is necessary to improve the awareness of all employees on strengthening corporate compliance culture education. The cadres and workers of the whole bank are the main body of the compliance culture construction of Quanzhou Agricultural Bank, and the practitioner and creator of the corporate compliance culture. With participation, it is impossible to build a good compliant culture enterprise, let alone keep employees compliant. From the reality, many employees lack scientific understanding and understanding of the connotation of corporate compliance culture education, and confuse the construction of corporate compliance culture with the general cultural and entertainment activities of enterprises. They think that they should mention a few slogans, organize some cultural and sports activities, and sing. Singing and jumping is the construction of corporate compliance culture. It is necessary to concentrate time and concentrate on the training and assessment of accounting personnel. The business training strives to achieve comprehensive, systematic, professional, practical, and enhancement. It is necessary for all accounting cashiers to be familiar with the system regulations. Qualified tellers, counters become the marketing stage; it is necessary to strengthen the training of political, ideological and professional ethics of accounting personnel. In view of the actual situation of different positions, we will take different forms such as training and special training, and strive to make the comprehensive quality of the accounting team in the original Based on another level. Through a series of activities, all employees can accurately grasp the true scientific connotation of corporate compliance culture construction, consciously integrate into the corporate compliance culture construction, enhance the awareness of internal control management, pay close attention to basic management, and promote legal compliance management.

Second, strengthening compliance culture education is the need to establish a long-term development mechanism. The construction of corporate compliance culture education is a huge systematic project, which can not be built overnight. To properly determine the development goals, we must have certain planning goals in a period of time, and finally establish a mechanism to adapt to the long-term development of the enterprise. From the perspective of the Bank, he should include the corporate spirit, values, corporate goals, corporate systems, corporate environment, corporate image, corporate etiquette, corporate identity and other content, forming a cultural business philosophy with its own characteristics. First of all, we must take the form of going out, coming in, etc. Through learning, communication, and discussion, all employees will realize how the agricultural bank should develop, how should employees do their own work in their own positions, and the difference is different from other employees. How big should be, how to improve it; what role does it have in the big family of the emerging sub-branch, how much power has been exerted by itself, and what constructive opinions are there on the reform and development of the ABC. It is necessary to discuss the individual's outlook on life, world outlook and values ​​by talking about it, so as to establish a compliance culture of the Bank, and thus improve the cohesiveness and combat effectiveness of the Bank of Agriculture. Secondly, it should be combined with the special treatment of cases and the ongoing special work of commercial bribery. It is necessary to make overall plans and rational arrangements, strengthen the analysis and research on the business links of illegal trading and commercial bribery, highlight key points, and carry out special projects in a targeted manner. Governance, resolutely correct the misconduct in business activities that violates business ethics and market rules, affects fair competition, and investigates commercial bribery cases according to law. Through educational activities, employees are encouraged to report violations of laws and regulations, provide case clues, promote the special work of cases, and improve the corporate compliance culture. Finally, it is necessary to combine the actual work and conscientiously carry out standardized services. In accordance with the provisions of the regulations of the head office, special study is required on some detailed and difficult issues. For the current business operation and counter service situation, carefully summarize and segment customer groups and business needs, integrate limited resources, and focus on the service focus of large contradictions and service difficulties, open up ideas, and continuously innovate service methods to the maximum extent. Meet the needs of customers and enhance the essence of corporate compliance culture.

Third, strengthening compliance culture education is the need to improve economic efficiency. The main purpose of strengthening compliance culture education is to maximize the efficiency of enterprises by improving the cohesiveness and centripetal force of enterprises and reducing financial risks. In the work, we should do "three musts." First, we must establish correct guiding ideology. In the pursuit of profitability, we must pay attention to the safety and liquidity of funds, and prevent the tendency to ignore the risk prevention and internal control mechanism in order to unilaterally pursue high-speed business growth. In particular, we must prevent companies from speculating on the bank. A project will inevitably lead to competition among many banks. In the competition, enterprises will certainly put forward some unreasonable conditions for banks to increase the risk of loans. It is necessary to weigh the pros and cons and avoid losing watermelon for sesame. I would rather not develop, nor blindly develop, and cause new funds to settle. Second, we must establish and improve various rules and regulations. We must always put the system construction in a prominent position, pay attention to using the system to bind people, and use the system to regulate daily behavior. To this end, we must formulate and improve a series of rules and regulations in accordance with the actual work, adhere to the system to regulate the business process, ensure that there are rules to follow, effectively block various loopholes, prevent violations, and ensure that every link does not appear. problem. We must carefully learn from international advanced experience and actively use modern scientific and technological means to establish and improve monitoring, evaluation and early warning systems covering all business risks. We must pay attention to loan risk concentration and credit reporting and risk warnings of affiliated enterprises, attach importance to early warning, and conscientiously implement major defaults. Situation registration and risk alert system. It is necessary to establish a sound internal control system, ensure the safety, liquidity and efficiency of operation, establish a self-adjusting, self-discipline and self-control check and balance mechanism, and establish and improve a self-improving internal control system in the process of pursuing self-economic benefits. Strengthen operational risk prevention. Fourth, we must adhere to ideological education. We must firmly grasp the important link of ideological education, often carry out the study of relevant rules and regulations, conduct targeted education on party style and clean government, continuously enhance the awareness of legal compliance management, and use the cases around the financial system to make a statement. Employees always keep a clear head and consciously resist the erosion of all kinds of decadent ideas.