Bank reputation risk self-examination report

#report# Introduction Reputation risk refers to the risk that the operations, management and other behaviors of commercial banks or external events lead to negative evaluations of commercial banks by stakeholders. The following is a bank reputation risk self-examination report. Welcome to read it!

Zhangyi Bank Reputation Risk Self-examination Report

In accordance with the "Notice of the *** Office of the Banking Regulatory Commission forwarding the relevant documents of the General Office of the China Banking Regulatory Commission on the risk warnings of bank employees involved in social financing behaviors" (*Banking Supervision Bureau No.****) document requires that our department organizes an all-employee investigation, focusing on bank employees involved in social financing activities such as private lending and fund-raising.

1. Work organization

First, careful organization. We attach great importance to the possible risk consequences of private lending, organize carefully, and implement it carefully to prevent personal private lending risk events for employees and avoid reputational risks. The second is to strengthen leadership. A leading group for investigation work was established, with the general manager and deputy general manager of the department serving as the group leaders respectively. All employees of our department were investigated one by one.

2. Investigation content

This employee investigation mainly focuses on the following four aspects: whether they directly organize and participate in private lending or fund-raising activities; whether they act as a "broker" for social financing, Introduce others to participate in social financing and collect bribes, royalties, and commissions; whether there are financial transactions with fund brokers, pawn shops, small loan companies, and guarantee companies; whether any employees take advantage of their positions or status as bank employees to provide repayments to borrowers Funds may be borrowed or misappropriated from our bank for private lending or fund-raising activities.

3. Problems discovered and rectification status

During this investigation, no employees of our department were found to be involved in social financing activities such as private lending and fund-raising.

IV. Supervisory measures to be taken

Our Ministry plans to take the following supervisory measures to carry out in-depth investigations:

(1) Timely discover and lock in the key points of investigation, and discover If an employee engages in social financing activities, the compliance status of the relevant business operations such as bank account opening, reconciliation, important blank voucher management, large deposits and withdrawals, etc. shall be thoroughly and carefully inspected and thoroughly investigated.

(2) Do a good job in the "four combinations", that is, combine with the cleanup and investigation of abnormal business transactions of financing guarantee companies; combine with the implementation of the risk investigation of the Provincial Banking Regulatory Bureau; combine with the daily employee investigation Combined with the reports and reports from the masses, give full play to the role of case prevention and control, group prevention and group treatment, effectively prevent private lending risks, and avoid risk transfer to banks.

Part 2 Bank Reputation Risk Self-examination Report

In order to establish and improve our bank’s public opinion monitoring system, effectively protect our bank’s reputation, and eliminate the adverse effects of negative public opinion, especially negative online public opinion, on our bank Impact; collect public opinion and customer feedback in a timely manner to protect the legitimate interests and legitimate rights and interests of customers, our bank and its employees. After our bank received relevant documents, our leaders attached great importance to them and organized and carried out the following work as soon as possible:

1. Clarify the departments and contact persons responsible for the public opinion work of our bank. In order to ensure the effective implementation of online public opinion monitoring and bank reputation risk investigation, after research and decision by the leaders, the public opinion monitoring department of our bank has the Audit and Supervision Department responsible for it and is led by the said department. The department assigns relevant personnel to be responsible for the implementation of specific work, reporting of relevant information, and rotation monitoring.

2. Carrying out in-bank self-examination work In order to promptly grasp the abnormal behavior trends of employees in the bank and promptly prevent employees from participating in illegal fund-raising or using the bank’s reputation to engage in illegal activities, our bank has recently organized an internal investigation of employees within the bank. Abnormal behavior investigation covers abnormal behavior at work, abnormal behavior in organizational disciplines, abnormal behavior in personal behavior, and investigation of nine types of people suspected of "pornography, gambling and drugs". And adopt methods such as back-to-back interactive judgment and spot-check interviews to ensure the authenticity and validity of information sources. After this investigation, no employees with abnormal behavior have been found.

3. Establish information exchange channels with local government departments and supervisory agencies. In order to ensure that information about people, customers, and employees as well as the reasons for petitions are obtained as soon as possible, we can face problems head-on and find out our own shortcomings in a timely manner. , our bank actively liaises with the call-receiving departments of local governments and regulatory agencies to ensure that when relevant petition issues arise, it receives information in a timely manner, finds out the reasons in a timely manner, and accepts supervision.

4. Our bank will continue to open channels for receiving letters and calls in the form of letters, phone calls, faxes, direct visits, and the Internet. Receive petition information in a timely manner and ensure that every petition question is responded to in a timely and conscientious manner. In addition, our bank checks customer complaints and suggestions registered in the customer opinion book from time to time, and implements an accountability system for abnormal situations.

As of the reporting date, our bank has not found any negative public opinion risks within the bank, outside the bank or on the Internet. In the future work, our bank will continue to strengthen its efforts and take a variety of comprehensive measures to effectively prevent our bank’s reputation risks. .

Part 3 Bank Reputation Risk Self-examination Report

As an agricultural policy financial institution, the Agricultural Development Bank is an important part of China’s financial system. In accordance with the WTO plan and the pace of China’s financial opening up With the acceleration of development, its business scope will be fully highlighted along with its financial functions and policy financial role. The Agricultural Development Bank's business has a "dual nature", that is, policy and operational, which puts forward higher requirements for the Agricultural Development Bank's confidentiality work. At this stage, there are many hidden dangers in the confidentiality work of the Agricultural Development Bank, which are mainly reflected in the following aspects:

1. Insufficient understanding of the necessity and importance of confidentiality work. Confidentiality work is an important part of the grassroots Agricultural Development Bank of China's business work. As a policy bank, we must ensure the seriousness and timeliness of implementing policies. Confidentiality work must be put on our work agenda. Otherwise, policy implementation will not be in place, which will damage the social image of the Agricultural Development Bank in a small way and may worsen the relationship between party and mass cadres; in a large way, it may damage the interests of farmers and affect the country. The transmission of monetary policy and the realization of macro-control objectives are even related to the safety of employees' lives and property. Therefore, confidentiality work is always with us, and we must sound the alarm just like security work.

2. The scope and responsibilities of confidentiality work are unclear. Most people think that confidentiality work is the business of the confidentiality department, staff and leaders, and has little to do with them; confidentiality is only about the release of documents involving state secrets within the prescribed scope and time, and for the grassroots Agricultural Development Bank and It is not necessary for employees; some people think that only information related to the Agricultural Development Bank of China is kept confidential, and information about departments and companies related to their business are not within the scope of confidentiality, etc. These views are one-sided. The necessity and importance of confidentiality work have been briefly introduced above. In fact, each of our work involves confidentiality issues, and every employee has confidentiality responsibilities. Any information that may be disclosed to the Agricultural Development Bank of China Information that adversely affects business development and internal work coordination, as well as the work of other departments and enterprises, is confidential.

3. Not paying enough attention to confidentiality. Judging from the actual situation, how well the grassroots Agricultural Development Bank of China is doing in confidentiality work seems to have little impact on the development of all aspects of work, and there is paralysis and insufficient attention to confidentiality work. First, there is a lack of corresponding supporting confidentiality equipment and other facilities; second, the confidentiality rules and regulations are not sound and complete; third, grassroots banks basically do not have full-time (part-time) confidentiality personnel, and even if they are equipped with full-time (part-time) staff, they only The first is to cope with inspections, etc., and the work is not carried out effectively and efficiently; the fourth is that confidentiality work is important, but there is little guidance on actual inspections, and job responsibilities are not in place.

In view of the above-mentioned problems and deficiencies, it is necessary to ensure that the work of the grassroots Agricultural Development Bank of China is carried out smoothly and form a situation of great confidentiality. Let me talk about this superficial view.

1. Strengthen leadership, unify thinking, and improve confidentiality awareness among all employees

In order to strengthen the confidentiality work of the grassroots Agricultural Bank of China, a "top-in-charge" group should be established from top to bottom within the system. The confidentiality work leading group is headed by the chief, with the president in charge as the deputy leader and the heads of relevant departments as members. It is equipped with full-time (part-time) confidentiality cadres so that confidentiality work is handled at all levels and everything is managed, forming a network management state. At the same time, confidentiality work should be included in the agenda and target assessment, and methods should be linked to the salary and performance of the responsible person to enhance the sense of responsibility of confidentiality staff. In order to effectively enhance the confidentiality awareness of all cadres and employees, on the one hand, regular seminars on the importance of confidentiality work are held throughout the bank, and based on the painful lessons of the financial system that resulted in frequent robbery and fraud cases due to leaks of confidentiality, the cadres and employees of the entire bank are fully aware of the confidentiality issues. "The more reform and opening up, the more confidentiality work must be strengthened"; on the other hand, we must carry out various propaganda of confidentiality knowledge.

For example: using blackboard newspapers, etc., to effectively promote confidentiality; in accordance with the "Third Five-Year Plan" and "Fourth Five-Year Plan" legal popularization plans, confidential personnel must learn confidentiality knowledge, and hold confidentiality knowledge training classes every year; organize confidential personnel and all employees to learn To comply with confidentiality laws and regulations, we must study the "Secrecy Law", the spirit of the National Conference on Secrecy and General Secretary Jiang's speech, so that the majority of cadres, workers and personnel involved in secrets have a clearer understanding of the confidentiality work of the Agricultural Bank of China at the grassroots level, and correct the misconception that "confidentiality means keeping good records" A one-sided understanding and a new concept that confidentiality work needs to be strengthened in all aspects.

2. Improve the system, refine responsibilities, and standardize the construction of confidentiality work

First of all, we must establish, improve and improve various confidentiality work systems. For example: confidential document circulation system, secret custody management system, cashier system, security system, file management confidentiality system, confidentiality work responsibility system, etc. These systems should be printed into booklets and distributed to confidential personnel. Some systems can also be Adopt the method of enlarging the information on the wall so that everyone can be familiar with the operation. In order to implement these systems, the confidentiality matters related to confidential departments and offices should also be scientifically stipulated. Such as: circulation and borrowing of confidential documents in the office; the use and seal of the accounting department's joint secret, management of important blank vouchers, cash transportation plan, banknote transportation route and management of firearms and ammunition; fund composition, asset quality, Data and transmission, etc., all of which require each professional operation to perform their job responsibilities and abide by the confidentiality system, so that the bank's confidentiality work has entered a standardized and institutionalized track.

3. Increase investment, pay close attention to implementation, and promote the development of various industrial exhibitions

As a policy bank, the Agricultural Development Bank of China is responsible for the safe and efficient operation of the acquisition funds of grain and oil purchasing and storage enterprises. . In carrying out business activities, in addition to being exposed to the secrets of national policy acquisition funds, oneself also constantly generate a large number of internal secrets. If you are not careful, it will cause irreparable losses to the country. How to do a good job in confidentiality requires not only Take a series of effective measures, and more importantly, implement them well. That is to say: first, the "three irons" must be implemented for the storage of confidential documents, that is, iron doors, iron windows, and iron cabinets; second, the "three books and one card" must be implemented for the sending and receiving of confidential documents, that is, the receipt register and the issue registration. Book, borrowing register, document circulation card, reading and circulation of documents shall be handled according to confidentiality procedures; third, the management of confidential documents must achieve "three specialties", that is, dedicated personnel, special counters, and special rooms; fourth, safety and confidentiality must be achieved "Three inspections" must be implemented in the work, that is, the confidentiality leading group shall conduct regular inspections on its members to see whether the confidentiality system is implemented; conduct regular inspections on confidential departments to see if there are any violations of the confidentiality system; conduct regular inspections on grassroots business outlets Regular inspections are conducted to see if there are any violations of the operating system and leakage loopholes. Only in this way can the grassroots Agricultural Bank of China maintain confidentiality, curb the occurrence of various leaks, and better serve the business development of the Agricultural Bank of China.