Bank compliance experience

Part 1: Bank Compliance Experience

I have learned a lot from the study of the “Compliance Management” of the ##视频会议and Jian Jian Han [#]##号, Jian Jian Han [#]## file, and I will learn from it. The report is as follows:
First, learn compliance and raise awareness.
First of all, our school branch office held a special meeting of all employees, and issued the "##视频会议和建总函[#]##号,建总函[#]##号档案" issued by the municipal bank, and The Compliance Management file has been comprehensively and earnestly studied, especially the “Compliance Manual” has been fully understood and mastered. For this reason, I have also carefully made study notes, which enabled me and my colleagues to operate in compliance. Have a deeper understanding.
Secondly, through learning, I corrected my previous misunderstanding of “heavy management and light management”. A consensus has been reached with colleagues: that minor violations will accumulate into serious compliance risks, and serious compliance risks will cause the Bank of China to suffer heavy losses and even lead to a crisis of survival. Strengthening compliance management can reduce the risk of penalties for violations or violations, and it can also protect employees from making fewer mistakes and motivating employees to contribute value.
Finally, due to the strengthening of compliance management, it will eventually attract more quality customers to our company and expand the return value of customers. It will also enhance the sustainable competitiveness of outlets and enhance the reputation of CCB.
Second, timely rectification, reinstatement.
Through study, I have a deeper understanding and understanding of my mistakes in the "#年网银事事". Things happened at the end of ## at the end of the year. At that time, in order to complete the online banking business volume, our unit mobilized all the staff and staff to find ways to do marketing work for the emerging business of online banking, and strive to complete the task index. I am a very hardworking person. For this reason, I have made great efforts to publicize the customer. However, since the online banking was just beginning to develop, the customer’s psychological acceptance of this new business is far away. Not enough, and at the end of the year, the task indicators issued by the city line are still far from each other. For this reason, all of our employees are very anxious. Later, I heard that you can make free deposits online, without any restrictions, so everyone negotiated to transfer their account deposits back and forth between the two accounts. At that time, I also thought that these were legal accounts. The money was also legal funds. I was able to get familiar with the online banking business and get the task index completed. So I also learned the Internet. I made a few such strokes. However, in April of this year, after an internal audit, it was known that this was a false online transaction. At that time, I still did not understand, free deposits and voluntary withdrawals. This is the principle we have always pursued. However, through this compliance study, I deeply felt that I lacked a sense of compliance management and had a great shortage of rules and regulations. I was deeply annoyed by my ignorance. Although the number of transactions is small, the amount is not large, and there is no loss to CCB, but it is also a waste of network resources. And more prominently reflects my ignorance of compliance and ignorance of relevant regulations. In the future, I will learn from this experience and do not do this kind of "only taking care of the small family and harming everyone's behavior." In order to comply with the management, we must work hard to make compliance as the first gist of the operation of the outlets. Strictly follow the rules and regulations of CCB. After the protest incident, I also made serious rectifications. First of all, the company has thoroughly cleaned up its offending account, and has carefully sorted out the accounts of all employees of the unit, as well as the accounts of relatives and friends, and processed the suspicious accounts with risks in place to deal with them. The occurrence of the account. Secondly, it is a responsibility to firmly establish compliance. Everyone starts from the present, and the employees supervise each other. In the whole staff's understanding, they form a rational and sensible, illegal and illegal, and guilty. Finally, compliance management needs to establish a long-term mechanism. The employees of mine and me will deepen our sense of compliance management into our daily operations and every business, effectively interacting with compliance and supervision, and cadres and employees supervise each other. Supervision, commendation for adhering to compliance, resolutely resisting violations, and never condoning inconsistency.
Third, compliance management, initial results.
After correct understanding and rectification, the compliance work of our unit during this time has achieved some gratifying effects. First of all, compliance management minimizes the work mistakes and misconduct that employees are likely to commit in business operations, and protects the enthusiasm of employees. Since the compliance request, the error rate of the counter business of our unit has dropped by 62.5%. Some small problems that are easy to commit due to negligence in work have been significantly improved under the supervision of employees. Successfully blocked 5 cases of opening an account with a fake ID card, refused to ask for violations of the number of documents due to irregular documents, 35 cases of human rights violations, and intercepted 65 counterfeit money, amounting to 4,865 yuan. The warning report on the cash inventory over-limit situation can no longer see the figure of my unit. Although the individual customers did not understand and even encountered complaints at the beginning of the implementation of compliance management, they were finally recognized by the customers. Compliance management creates value. We have done an investigation and asked the customer why I have a lot of people, and I need to queue up, instead of going to other units with fewer people to handle the business? The answers obtained are quite consistent: "Your units are more formal." When we were doing fund business promotion, we never promised customers, and we did not do misleading propaganda about how much or how much return a certain fund bought. On the contrary, it is always euphemistically warning customers to take precautions against risks. However, the sales volume of funds in my unit has not decreased as a result, but it is still increasing. This should be a saying: "Gold is valuable, integrity is priceless." Therefore, my feeling is that CCB should follow the service principle of “golden price compliance and pricelessness”. Because most customers do not favor banks that are often violating or being punished, they will loyally choose banks that are thoughtful and secure to them, and only compliant banks can enhance their continued competitiveness. Competitiveness is precisely the unremitting source of wealth and residual value for our banks, and it can enhance the reputation and social status of CCB among our customers.
The above is a little bit of my understanding of compliance learning. Improper places welcome criticism.

Chapter 2:

Compliance risk is the primary compatibility of credit risk, moral hazard and operational risk. Compliance is an inherent requirement of a stable operation. Most banks have taken two efforts to reduce violations. One is the direction of reforming the process and strengthening management, and the other is to establish a direction of full compliance culture, making compliance behavior a conscious action for all members. 1. Compliance culture is a group that is proud of compliance and shameful violations. Honor and disgrace. It works by allowing the brain to appreciate emotions and punish emotions for a combination of compliance behaviors. That is, the compliance and reward emotions are bound, so that the compliance behavior will make people feel a pleasure, people call it a sense of honor; at the same time, let the violations be bound with the punishment, so that the violation will make people feel Uncomfortable, people call it a shame. What people advocate and what they reject is the process of the distribution of positive and negative emotions. This natural combination is the cultural origin. Emotions are combined with the admired events through human intervention, which is cultural construction.
Second, the reasons for violations of regulations and violations of regulations are related to the influence of traditional culture. The advantage of cultural construction is that once culture is established, it has relative stability. The difficulty is that the compliance culture faces the challenge of traditional culture. When compliance rewards encounter feelings of affection and friendship, often the former is not the enemy, and when seeking the best of both worlds, the violation will come to an end. Therefore, there is often an encounter between the construction of compliance culture and traditional culture. The environment is particularly important when building a compliance culture.
three. The normative governance structure is the “environmental soil” for the compliance culture to survive.
3.1 The supervisor must create pressure on the operator. The best source of stress is real-time supervision within the organization
3.2 The supervisor must be re-trusted to act as a watcher. So how do you prevent the supervisor from instructing the underlying violations? Supervisors also need an emotional support. This is a sense of trust and honor. It needs to be given care. The appointment of each hiring level can be used to establish trust, and thus to stimulate trust and honor, and to fulfill the responsibility of a representative. The mechanism of mutual checks and balances is a work environment with neither trust nor pressure. It is the main reason leading to unfaithfulness in reality.
3.3 The environment can stimulate people's emotions and abilities. The overall quality of people is key, and another key factor is the environment. People have the experience that when people come to a particularly beautiful, clean and standardized tourist attraction, they will consciously maintain and not litter. At this time, it is not that the quality of a person is immediately improved, but that the emotions stimulated by the environment enhance the spiritual realm of the person.
Fourth, people can play different roles because different emotions can be flexibly converted. The role theory tells us that a person can't play two different roles in the same category. It is the emotional side inhibition. Otherwise, it will cause role conflicts and role defects. The soil environment that fosters a culture of compliance is for the supervisor to create a single function of the watcher, accept the trust of the superiors, and experience the peak, so that they can be as unreliable as the rescue team; It is subject to real-time supervision by internal supervisors, which is equivalent to the permanent leadership of the superiors and maintains certain pressures throughout the year. Only a standardized governance structure can resist the resurgence of traditional culture and improve the living conditions required for a compliance culture. Therefore, an important part of establishing a culture of compliance with the company is to improve the compliance “soil environment”.

Chapter three:

Recently, the head office organized a large-scale discussion on compliance culture construction throughout the Bank, continuously enhancing employee compliance concepts, strengthening compliance awareness, and improving the awareness of compliance management. I have summarized the following experiences through this learning activity:
A compliance management system must have a sound management system. It must be based on the constant construction of a compliance culture to teach the normal mechanism of education. We must find out the outstanding problems in the construction of compliance management and compliance culture across the bank. In-depth discussions on education, system, implementation, supervision, rectification, rewards and punishments, etc., promoted the in-depth promotion of compliance culture, and ensured the rapid and good development of the Bank's various businesses. Compliance construction is not only for ABC, but also for others, and for ourselves. "Compliance is serious love, and it is a kind of love for everyone."
Second, we must focus on solving the problem that the ideological understanding is not in place, the system implementation is not in place, the supervision and inspection are not in place, the management is replaced by trust, the principle of emotional substitution is adopted, the compliance atmosphere is accepted, the compliance habit is formed, and the root of compliance culture promotion is promoted. .
The successful practice of the Compliance Culture Proclamation proves that no matter what you do, as long as you aim at the target, earnestly and conscientiously, you will get twice the result with half the effort. Compliance is like a traffic light, you follow it and it will protect you. Many people think that when they talk about compliance, they feel that they are constrained, their business is not good, and their development is affected. When they accept compliance management, they will consciously or unconsciously produce such feelings or feelings. However, we must make clear that “the culture of compliance is the foundation of the business and the foundation of the business”. Compliance and business development are not contradictory, nor even opposite. Compliance, like a traffic light, maintains the order of business development and assumes the responsibility and mission of escorting business management.
There are many real people and real things around us. All kinds of cases reflect the importance of compliance construction. Ten small violations may cause a large flight failure, and a hundred large failures may cause one hit. In the event of a flight accident, ten major flight accidents may cause an air crash. This requires us to control the risks from the root cause, to prevent violations, and to leave no chance for the "accident". Only in this way can we ensure the good and fast development of our cause on the road of compliance. We must regularly participate in some activities of “internal control, create a culture of compliance”, truly integrate the compliance culture into the daily behavior of our employees, integrate into specific business activities, and lay a solid foundation for the sound and rapid development of the Bank's business. The basis of compliance. The construction of four-conformity culture is a very arduous and significant system project. We must make persistent efforts to combine the daily business work to enhance the innovative work ideas and methods of the annual activities, and carry out the work of compliance culture construction in depth. Excellent large listed banks provide strong compliance culture support!

Chapter 4:

My childhood was spent in the stories told by my parents. In their mouths, there are those who are not afraid of power, straightforward Bao Zheng, who have strict ruling and loyalty to the country, and their names and deeds constitute the origin of the Chinese nation. The most glorious part of the long history and culture, of course, Zhao Gao, who is referred to by thousands of people, has naturally played the well-deserved harlequin in this history. "Why do the same people have such a big difference?" I did not understand the world, I raised such a ridiculous question.
"That is because in a person's heart, a kind angel and a ferocious devil are fighting. The devil uses laziness, greed, lies, indulgence, fear and infidelity to seduce you into a bottomless abyss, while angels use diligence, Self-discipline, sincerity, responsibility, calmness and loyalty take you into the pinnacle of humanity!" Father's loving eyes revealed his earnest hope.
In the face of my parents' explanations, I seem to understand and understand. I haven't understood their good intentions until many years later. In fact, there is such a struggle in everyone's mind, and the direction of life depends on it. In my heart.
The way of life depends on your choice. Dedicated to work, striving for first-class is our eternal pursuit of work; courteous hospitality, smile service is our business principle; obeying superiors, strengthening control is the magic weapon for us to carry out our work; service efficiency, social recognition is our overall golden crown The greatest wish of man. People can be jealous, but they can also be high-minded; they can despise themselves or solemnly self; they can be light and light, and they can also be important; they can do things, but they can also be vigorous and vigorous. There is a saying: What can my soul expect? If the goods are branded to the world, then I said that people should have their own brands when they live. "Satisfaction is the key, rest assured, and compliance is a guarantee."
What is compliance? Compliance is in line with regulations, including large rules and regulations, as well as small rules and order. I walked to the podium in order according to the order, it was compliance; everyone sat quietly here to listen to the speech, it was compliance; crossing the road to cross the crosswalk was compliant; in the work, we did our duty to be more compliant. Because I have no experience in doing too much business work, my understanding of compliance is rather embarrassing, but I understand that compliance with industry norms is inseparable from self-discipline. Confucius said: "The body is right, the order is right, the body is Not correct, although it is embarrassing."
The first time I realized that the word "compliance" was learned from a friend in the financial industry, but I think that the meaning of "compliance" should not be limited to a narrow single industry. The industry events that have repeatedly occurred in terms of "compliance" have made me really feel the importance and necessity of "conformity" culture construction.
Because we don't talk about compliance, we have experienced too many lessons: a complaint caused by a hair, a blame caused by a utensil, a loss caused by a character, an angry ignited anger... Can we still not jump out? This week's cycle of repetition?
There are many reasons for reflecting on this series of events. There are both internal and external reasons; there are both subjective and objective reasons; there are problems of poor supervision by grassroots managers and weak foundations of business management. However, at the root of it, "the ten cases are illegal", there are chapters that do not follow, and illegal operations are the most important cause of incidents, and also reflect the importance of "compliance" operations. Judging from the problems exposed in the incident, the industry rules and regulations are in vain: internal control management is confusing, mutual restraint is destroyed, resulting in rules in the course of business operations, and the problem of illegal operation is serious, when the individual's temperament is overriding On the rules and regulations, when violations of regulations overcome the sense of compliance, can we still hope to establish a standardized business and economic order?
For us personally, compliance operations are not only related to the standardization and efficiency of personal work, but also to the interests and image of the company, which in turn affects the healthy development of the industry! Do not talk about compliance, once an incident occurs, even the best business performance will also be rejected by one vote! Even if you touch the keyboard lightly, you can lose millions of dollars and cause huge losses to customers and units. If you don't understand compliance, even if a small business is wrong, our account will be uneven. Can not go to work normally, go home on time; abandon compliance, you may go astray, and even embark on a dangerous road to no return. Therefore, it is the compliance culture that guarantees the rapid and rapid development of various businesses. It is also the compliance culture that allows us to continue to grow and develop.
Establishing a "compliance culture" in the new era is an effective measure to standardize industry service standards. However, how to make the "compliance culture" deeply rooted in the hearts of the people, how to let the "compliance culture" melt into its own actual actions and form a kind of Habits are not a simple matter. Spring weather and rain, no matter how quiet, every one of us should start from ourselves, start from small things, strengthen self-cultivation, strengthen personality tempering, abide by industry norms, and do our best to promote the industry's new wind and promote the development of the industry. I also feel this. Quite a lot, the following is my personal experience of professional ethics integrity, compliance operation awareness and supervision and prevention awareness, but also hope that everyone will not hesitate to advise:
First, to establish a body. There is a saying in the old saying: Baixing is led by Germany. It can be seen that the ancients have long explained the importance of morality. To be a human being, you should be a leader in morality and work. You should also work in Germany and resolutely establish a determination to fight against bad behavior. The Great Wall is still built by bricks and stones. The Great Wall, which adheres to the rules and establishes a good industrial atmosphere, should also start from the cornerstone of virtue.
Second, take care of things. The construction and practice of "compliance culture" is not a one-off event, and it can be completed by one person. It requires us to abide by the principle and persist in the long-term unremitting efforts. It is said that "the rules are easy to follow, and it is difficult to comply with the rules." Serious and cautious work style, sticking to the insurmountable moral defense line in the heart, can not put personal interests above the interests of the state and the collective at any time, be cautious in thinking, be willing to act, settle in the heart, keep the body, be careful In the case of small festivals, many industry events often start in small sections, thousands of miles long embankments, and collapsed in ant nests. The room of 100 feet is burned in the smoke. This is the truth. It is better to swear from the beginning than to "repent." Breaking the temptation in the heart, strictly controlling compliance, and being cautious, making "compliance" a habit.
Third, "three provinces", beyond self. The society is progressing, the industry is developing, and the situation we are facing is constantly changing. The ancients still know that “the gentleman is the third province of China”, can we not compare with the ancients?
Attach importance to study, pay special attention to learning, learn and understand party discipline and state laws and regulations, recharge ideas, update concepts, broaden thinking, improve self-cultivation, and integrate the "eight honors and eight shame" ethics system into "compliance culture". This is one of the provinces that build a culture of compliance;
Taking the mirror as a mirror to know the beauty and ugliness, people can learn from the gains and losses. Because of the human condition, face, or the like, the incidents of illegal operations are endless, and the irreparable economic losses and the painful lessons of the family are often seen. Can we still be indifferent? Do we have to turn a blind eye to repeat the same mistakes? Be good at summing up lessons learned, alarming, ringing, not doing anything wrong, not taking ill-gotten gains, not ignoring the unhealthy trend, not doing anything wrong, taking "compliance" as the code of conduct, which is to avoid compliance risks Second province;
Integrating “compliance with practice”, compliance everywhere, and compliance with all aspects, not only to ensure that their business activities comply with the rules and regulations of the industry and the code of conduct, but also to strengthen the spirit of “compliance” between the inside and outside of the enterprise. Promote and spread.
As an ordinary employee who strives to be at the forefront of the industry's grassroots service, our words and deeds are closely related to the image of the company. Because of the nature of the work, we have resolutely provoked the responsibility of the “compliance” culture and interpret the compliance culture with practical actions. Connotation, dedication to the interpretation of the "compliance" culture messenger's true self style, go hand in hand, and strive to create a "regulatory business, law-abiding dedication, compliance, and full staff" compliance culture. This is the three provinces that promote the “compliance culture”.
The derivation of the compliance culture is inseparable from the excellent traditions of the Chinese nation that have been passed down for thousands of years. The establishment of a compliance culture is closely related to the development of local economic culture. The development of the Lijiang River is the key to compliance!

Chapter 5:

According to the spirit of the provincial education campaign to carry out the theme education activities of “Everyone follows the rules and the whole bank rectifies”, under the propaganda, organization and mobilization of relevant branches of the branch, I participated in the “Compliance and Reform” of the whole bank in a serious and in-depth manner. "Learning activities. Through this theme education activity, I further improved my awareness of risk prevention, strengthened the concept of compliance operation, and clarified the responsibility of the position and the significance and importance of this theme education activity.
I have earnestly studied the "Notice on the implementation of legal education compliance activities in the whole bank and the implementation of the provincial bank case prevention work rectification plan" file, and further realized the importance and urgency of legal compliance management for the Bank's operation and management. Deeply aware of the dangers of illegal operation and high incidence of cases. In the case of the “Guanghua” in the South China Sea, the cases of Shunde’s sub-accounting cases and the cases notified by the provincial bank last year once again sounded the alarm to us. This year’s branch’s briefing on the case made me more aware of the grim situation facing the current internal control management. As a manager, I deeply understand that compliance with laws and regulations is the basic principle of modern commercial bank management, and it is also the guarantee for adhering to the correct business direction. It is also the fundamental reason for financial enterprises to develop self-protection and prevent financial risks. Therefore, in the business management work, we must do the following work to ensure the healthy and rapid development of our work.
First, improve the ideological quality of employees, enhance the concept of employees' compliance with laws and regulations, strengthen the study of employees' laws, regulations, rules and regulations, and strengthen ideological education. This is an important means to eliminate violations of regulations from the source. Strengthening the risk prevention education for bank employees, so that everyone recognizes the complexity of society and the universality of bank business risks. It is recognized that banks themselves are high-risk industries and must take risk prevention first. Copyright Notice: law compliance by the Chinese people to build a learning experience Guide Network Original starting, author: East Branch Zhou Ji Horn, prohibit the unauthorized commercial use, please indicate the source. Starting from your own position every day, consciously abide by various rules and regulations, consciously resist all kinds of violations of discipline, violations, violations, to eradicate management by trust, to replace the system with habits, to replace discipline with sympathy, to cherish your career, to see Institutions such as life, correcting violations such as mine clearance, enhance risk prevention awareness and self-protection awareness, improve standard operations, prevent the occurrence of cases from the source.
Second, the establishment of various rules and regulations, strengthen internal control management From the economic cases in the financial system in recent years, "ten cases of nine violations" have no rules, violations of regulations, inspection is not fine, poor supervision, is The important root causes, countless cases, accidents, and lessons have all reflected that there are still some loopholes in internal control management. It is the imperfection of the system that leads some people to have the opportunity to exploit the loopholes, thus causing losses to the state funds. 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 implement the provisions of the case prevention responsibility system, promote the strengthening and improvement of internal prevention mechanisms, and strive to achieve Develop business under the premise of standardization, and strengthen the standard management while developing the business, so as to ensure the implementation of the processes and rules and regulations of each business.