Ask for help from an article on compliance management of Postal Savings Bank!

Ask for help from an article on compliance management of Postal Savings Bank! Years of experience in compliance management of postal savings.

In order to improve the efficiency of banks, reduce financial risks, enhance the awareness of compliance management of postal financial services and cultivate a good compliance culture, 2009 was designated as the "Year of Compliance Management System" of Postal Savings Bank. At present, it is a critical period for the reform of postal savings system, and it is of great practical necessity to carry out the activity of "How to promote the year of reconstruction". The expansion of postal savings business can not be separated from the operation of opening and closing rules, but also accompanied by the prevention and control of financial risks. Promoting the construction of compliance culture will certainly provide strong support and guarantee for the implementation of postal savings management concepts and systems, and also make it possible to establish a long-term mechanism for risk prevention and control and achieve long-term stability. Below, I will talk about some superficial views on how to improve the efficiency of banks and reduce financial risks.

First, strengthening compliance culture education is the need to improve management level. Carrying out compliance culture education activities is of positive and far-reaching significance for standardizing business practices, curbing violations of law and discipline and preventing cases. At the same time, it is necessary to further correct the guiding ideology of operation, enhance the awareness of legal compliance and prudent operation, guide all business activities of the Bank on the right track, and promote the healthy and effective development of all businesses. It is necessary to vigorously promote truth-seeking and pragmatism in the industry, form a business style of telling the truth, reporting the truth, doing practical things, being pragmatic and effective, create a good business environment, improve management level, be strict in discipline and responsibility, pay close attention to implementation, strictly control all kinds of moral risks, business risks and management risks, and maintain and enhance the image of banks. On the one hand, it is necessary to raise the awareness of all employees on strengthening corporate compliance culture education. Our cadres and workers are the main body of corporate compliance culture construction, and they are also the practitioners and creators of corporate compliance culture. Without the active participation of employees, it is impossible to establish a good corporate compliance culture, let alone let employees abide by the law. In reality, many employees lack scientific knowledge and understanding of the connotation of corporate compliance culture education construction, and confuse corporate harmonious culture construction with corporate general cultural and entertainment activities, thinking that raising a few slogans and organizing some cultural and sports activities to sing and dance is corporate compliance culture construction. We should concentrate our time and energy on the training and assessment of accountants. Business training requires comprehensive, systematic, professional, practical and progressive training. All accountants and cashiers should be familiar with the system, strive to be qualified tellers, and the counter should become a marketing stage. To strengthen the political, ideological and professional ethics training of accounting personnel, according to the actual situation of different positions, take different forms such as meeting instead of training and special training, so that the comprehensive quality of accounting team is equal on the original basis. Through a series of activities, all employees can accurately grasp the real scientific connotation of corporate compliance culture construction, consciously integrate into corporate compliance culture construction, enhance the awareness of internal control management, pay close attention to basic management, and promote compliance management according to law.

Second, strengthening the construction of compliance culture is the need to establish a long-term development mechanism. The establishment of corporate compliance culture education is a huge systematic project, which cannot be achieved overnight. To determine the development goals reasonably, we must have certain planning goals for a period of time, and finally establish a long-term development mechanism that adapts to enterprises. From our point of view, it should include enterprise spirit, values, enterprise goals, enterprise system, enterprise environment, enterprise image, enterprise etiquette, enterprise logo, etc., and form a cultural management concept with its own characteristics. First of all, we should take the form of going out and coming in. Through study, exchange and discussion, let all employees realize how the Postal Savings Bank should develop, how employees should do their jobs well, how different it is from other employees, and how to improve it; What role do you play in the big family of Sangzhi Sub-branch? How much effort do you make? What constructive suggestions do you have for the reform and development of Postal Savings Bank? We should talk about our personal outlook on life, world outlook and values through understanding, so as to establish our compliance culture and further improve our cohesion and combat effectiveness. Secondly, it is necessary to combine the special treatment of cases with the ongoing special work to control commercial bribery. It is necessary to make overall planning and reasonable arrangements, strengthen the analysis and research on the business links of unfair trading behaviors in the later period to reduce commercial bribery, highlight key points, carry out special treatment in a targeted manner, resolutely correct unfair behaviors that violate business ethics and market rules and affect fair competition in business activities, and investigate and deal with commercial bribery cases according to law. It is necessary to carry out educational activities, encourage employees to report people and things that violate the law and discipline, provide case clues, promote the in-depth development of special cases, and enhance the corporate compliance culture. Finally, according to the actual work, we should conscientiously carry out standardized services, and conduct special research on some details and difficult problems in accordance with the rules and regulations of the Head Office. In view of the current business operation and counter service, we should conscientiously sum up and subdivide customer groups and business needs, integrate limited resources, brainstorm and innovate service methods to meet customer needs to the maximum extent and enhance the essence of corporate compliance culture.

3. The main purpose of strengthening compliance culture education is to improve economic benefits and demand, strengthen compliance culture education, reduce financial risks by improving enterprise cohesion and centripetal force, and maximize enterprise benefits. In the work, we should achieve the "three essentials" and establish the correct guiding ideology. While pursuing profits, we should pay attention to the safety and liquidity of funds, and prevent the tendency of unilaterally pursuing high-speed business growth and neglecting risk prevention and internal control mechanism construction. Second, we must establish and improve various rules and regulations. We should always put system construction in a prominent position, pay attention to restraining people with systems, and regulate daily behavior with systems. To this end, it is necessary to formulate and improve a series of rules and regulations in combination with the actual work, insist on standardizing the business operation process with the system, ensure that there are rules to follow, effectively plug all kinds of loopholes, prevent the occurrence of violations, and ensure that there are no problems in every link. Learn from international advanced experience, actively use modern scientific and technological means, establish and improve a monitoring, evaluation and early warning system covering all operational risks, attach importance to loan risk concentration and credit monitoring and risk early warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the major default registration and risk early warning system. It is necessary to establish and improve the internal control system, ensure the safety, liquidity and transaction of operation, establish a check and balance mechanism of self-adjustment, self-restraint and self-control, establish and improve the internal control system that does not improve itself in the process of pursuing self-economic interests, and strengthen the prevention of operational risks.

Fourth, we must persist in ideological education. We should firmly grasp the important link of ideological education, often carry out the study of relevant rules and regulations, carry out the education of party style and clean government in a targeted manner, do not continue to enhance the awareness of operating according to law, and make statements with cases that happened around the financial system, so that all employees can always keep a clear head and consciously resist the erosion of various decadent ideas.

The Postal Savings Bank realized this activity by strengthening two containment experiences. By establishing a perfect contact mechanism, we will strengthen communication and coordination between postal savings banks, sort out the inspection priorities according to the plan, and select representative key customers in business types such as deposit, wealth management and credit. , comprehensively carry out self-examination and self-correction, focus on the investigation of internal control risks, and do a good job in active rectification. Clear the person in charge of the self-inspection business and the specific person in charge, clear the division of labor, implement the responsibility to people, seriously carry out the self-inspection and work overtime to ensure that the self-inspection work is completed on time with good quality and quantity.

The Compliance Manager of Postal Savings Bank summarizes Baidu Library monthly.

If the Risk Compliance Department of Postal Savings Bank is Grade I, it is OK. If it is less than a grade, it is chicken ribs.

Seeking a paper on the operational risks of China Postal Savings Bank, the annual income of the security system is 654.38+0.7 billion, and how to ensure the interests of all parties becomes the key.

The division of interests is difficult to balance.

People concerned in the State Post Bureau kept their mouths shut about the rumors about whether to set up a postal savings bank.

On the afternoon of the 29th, the reporter failed to obtain authoritative information from the State Post Bureau. Later, I called the insiders of Hubei postal system. He also said that at present, they have not received any documents from the State Post Bureau, and there is no clear news about the establishment of the Postal Savings Bank in the system.

However, the insider told reporters that "the entire postal system does not want to see a separate Postal Savings Bank."

According to him, one of the reasons for the popularity of the above statement is that postal savings income has become the highlight of all business income of the postal system. Take Wuhan as an example. Wuhan Post Office has six special bureaus, including the savings and remittance department and the letter department. Last year, the income of the savings and remittance bureau accounted for about 30% of the business income of the whole post office, ranking first.

Looking at the whole country, postal savings have become the main source of income for postal services, and the annual profit of nearly 654.38+0.7 billion yuan ensures the basic break-even of the whole postal service.

"In fact, it has become an open secret to rely on postal savings income to subsidize the whole postal service, because the postal service bears the heavy responsibility of universal service of the country." However, "in recent years, the business model that postal services only enjoy deposit spreads and do not bear loan risks has begun to be criticized".

Wu Hong, a professor at the School of Economics and Management, Beijing University of Posts and Telecommunications, who is writing a paper on the reform of postal savings, said, "Postal savings that can bring tens of billions of yuan to the postal system every year will affect the interests of postal services, central banks, the Ministry of Finance, rural credit cooperatives and other parties. It is the difficult balance of interest division that has led to the failure to settle the postal savings reform plan so far. "

Hubei Postal Savings and Remittance Bureau tested the water.

On February 9, Hubei Postal Savings and Remittance Bureau, two financial institutions in Wuhan, signed a comprehensive cooperation agreement with CITIC Industrial Bank Wuhan Branch to jointly develop the personal retail financial market.

It is understood that the framework of cooperation agreement between Hubei Postal Savings and Remittance Bureau and Wuhan Branch of CITIC Industrial Bank covers various personal financial services. It mainly includes: customers who hold postal savings certificates and voucher-type government bonds can obtain loans from CITIC Industrial Bank through pledge; CITIC Industrial Bank can make full use of the network advantages of Postal Savings and Remittance Bureau in urban and rural areas to provide comprehensive financial services for more customers.

Hubei Postal Savings and Remittance Bureau is mainly engaged in personal retail financial business. In recent years, the savings deposits have increased steadily, with a balance of 8 1 100 million yuan. It is a non-bank financial institution with strong financial strength in the province. By the end of last year, the balance of deposits in CITIC Industrial Bank reached 6,543,809 billion yuan, which was at the leading level among local peers.

Based on this, a person in charge of Hubei Banking Regulatory Bureau believes that it is the first time for two financial institutions to achieve comprehensive cooperation in Hubei Province. Some insiders believe that similar actions are rare in China. "In fact, it seems to be gradually confirming the previous statement about the postal savings reform plan."

A compromise is taking shape.

In this plan, the Postal Savings Office will not only continue to entrust the China Development Bank to use some funds, but also enter the interbank lending market, participate in the operation of the money market and purchase short-term investment products in the money market. In addition to buying government bonds and policy financial bonds, the plan will also allow postal savings to buy corporate bonds issued by large state-owned enterprises.

"Postal savings will have the function of securities investment, allowing postal savings funds to participate in securities market investment, and can purchase securities investment products with relatively low risks such as securities investment funds, and finally realize the diversification of capital utilization." Professor Yi Xianrong from the Institute of Finance of China Academy of Social Sciences said.

Postal savings banks have to pay a certain fee to use the outlets of the postal system; At the same time, in order to cooperate with the postal savings reform, the National Development and Reform Commission proposed to subsidize the policy postal service in some remote areas. Obviously, this scheme not only solves the problem that the State Post Bureau is worried that this fat meat will be eaten, but also solves the difficulty that postal savings will be difficult to survive without the support of postal outlets.

According to the above plan, the business scope of the reformed Postal Savings and Remittance Bureau will be limited to bond transactions in the inter-bank market, providing agreed loans to other commercial lending institutions and some low-risk investment projects.

This is only the first step of postal savings reform. According to this plan, after the diversification of capital utilization, the Postal Savings Bank will develop into an independent Postal Savings Bank in the next step.

In the interview, an industry insider told reporters that the relevant plan of the National Development and Reform Commission seems to be silent so far, which essentially contains powerful explosive power. The plan is intended to further broaden the channels for postal savings to use funds, but there has been a lack of feasible plans for its implementation.

Last September, the central bank put postal savings on the market, forcing postal savings to take the first step of marketization-to find a new way out for its new deposits. However, such a reform plan has been criticized by many parties and is not satisfactory in actual operation.

According to insiders of the postal system, "this reform has caused the postal service to lose at least 40%-45%." Because although the central bank has provided three main directions for the outlet of postal savings funds: "interbank lending, national debt market operation and large-sum agreed deposits of commercial banks", there are few successful cases because of the complicated operation process and long time of postal savings and remittance bureau.

Hello, regarding the Android Postal Savings Bank software, if you handle the mobile banking of Postal Savings Bank, if your mobile phone number is no longer used, you can go to the mobile banking before the cancellation of Postal Savings Bank with your ID card and re-bind to handle the new mobile banking business. I hope my answer is helpful to you.

I want to find the experience of bank compliance education and carry out the special education and learning activities of "starting from me and operating in compliance"

Recently, the provincial bank launched a special education and learning activity of "starting from me and operating in compliance". In the learning activities, I have a deeper understanding of professional ethics, integrity, compliance management awareness, supervision and prevention awareness according to the opinions of relevant activities issued by the provincial bank and the actual situation in my work. Now I have summed up some experiences from this learning activity, which is also my rational understanding of this educational learning activity.

First, love and dedication, selfless dedication: dedication in the ordinary, love and dedication is the most common dedication in all walks of life, seemingly ordinary, but in fact great. From a big perspective, a career and a job are the basic guarantee for a person's survival and development. From a small perspective, such as our Agricultural Bank, everyone's work is the guarantee of personal survival and development, and it is also necessary for the existence and development of Agricultural Bank. Without the selfless dedication of every comrade, it is impossible for ABC to develop and remain invincible in this highly competitive financial industry. Being an ABC person, for the future and honor of ABC, being a dedicated person is the most cited code of conduct for us to standardize the behavior quality and evaluate good and evil.

As a financial unit, employees should pay more attention to morality and conduct in their careers. If they go the wrong way, they will make mistakes and get lost. Without virtue, it is difficult to serve the people, let alone one's own career, and there will be no prosperity of institutions, no development of personal career, and no social value of personal existence. I am now working in the Agricultural Bank of China, which is my occupation and my only occupation. I have been engaged in this profession since I started to work, and I have always loved it. I have a strong interest and deep feelings for the work of Agricultural Bank of China, so I have always been very dedicated. Only my love and dedication is the concrete embodiment of my spirit of serving the people.

Speak professional ethics, but also be honest and trustworthy. The so-called honesty is loyalty and honesty. The so-called trustworthiness means keeping promises, stressing credibility, valuing credibility and fulfilling obligations. Therefore, through this study, I have a deeper understanding of the fundamentals, manners, words and deeds, and responsibilities of an ABC employee, that is, to constantly strengthen study at work, always demand myself according to professional norms, and work hard to make myself invincible.

The second is to strengthen business knowledge learning and raise awareness of compliance management. "How can there be a square without rules?" As front-line staff of outlets, it is the most realistic task for our counter staff to effectively improve their professional quality and risk prevention ability and comprehensively strengthen counter marketing and counter service. As a counter clerk, I know the importance of counter work, because it enables customers to directly understand our window and plays a bridge role between customers and banks. Therefore, in the counter work, I have always insisted on being a "willing heart". Learn business with an open mind, exercise skills with heart, handle business patiently, and treat customers warmly. In the increasingly fierce competition in the banking industry, we all clearly realize that only more patient, thoughtful and fast quality service can win more customers and better social image for our banks. Every day we are faced with different levels of customers and things, which requires our front-line employees to have a high degree of ideological awareness.

Strengthening the awareness of compliance operation is not an empty talk. Sometimes I always feel that some rules and regulations are binding our business and restricting our business development. Come to think of it, it's not really like this. The establishment of various rules and regulations is not a product of imagination, but a summary of many practical work experiences and lessons. Only by following various rules and regulations can we protect our own rights and interests and safeguard the rights and interests of our customers. Our various rules and regulations are like a huge machine, and each system is a part of the machine. If you don't operate and maintain according to the procedure, even if a gong wire nail is missing, it will cause immeasurable losses. The maintenance and implementation of each system must be strictly implemented by our employees, just like the violation mentioned in case 3 of disciplinary warning. Without the carelessness of teller Huang Qiqin and the arbitrariness of cashier Yan, the connivance and cover-up of Dawu Sub-branch afterwards also led to the extension of Guangming's violation. From time to time, we can see that the implementation of rules and regulations is not implemented by one person, but by a collective that restricts and supervises each other.

Third, strengthen the implementation of rules and regulations and the awareness of case supervision and prevention. Banks are known as "three railways:" iron system, iron abacus and iron account book ". It is precisely because of the "three railways" of banks that banks can gain trust in the hearts of the people. Whether the rules and regulations are implemented or not depends on the clear understanding and proficiency of the employees. It is a taboo for all industries to follow the rules and avoid them. As for the implementation of rules and regulations, as far as front-line tellers are concerned, they should start from me, correctly handle each business, carefully review each account, supervise the legal compliance of authorized business, strictly implement the safety precautions of business operating system and resist all kinds of illegal operations. Stick to the rules from beginning to end. Only in this way can our system be implemented and our capital security be guaranteed. No matter how good the system is, if it is not implemented well, it will go to the opposite side.

In recent years, economic cases in the financial system have not only disturbed and destroyed the economic and financial order, but also seriously damaged the social reputation of banks. Taking corresponding measures to strengthen prevention from the source is an important line of defense against financial crimes in the new period. In recent years, job-related crimes in banks are on the rise. One of the important reasons is that ideological education is neglected, and the importance of professional work is only emphasized at ordinary times, while the ideological construction of cadres and workers is neglected. The relationship between ideological and political work and professional work is not handled properly. It is not only limited to positive education, but also to regular case warning education, so that cadres and workers can strengthen their ideological defense lines and often warn themselves that "reaching out will be caught", laying a good mass foundation and ideological foundation for eliminating financial crimes. Perfect rules and regulations and strict internal management are the guarantee to prevent economic cases. To this end, we must conscientiously do a good job in system construction. On the one hand, we should organize learning according to the characteristics of our front-line teller work, so that all post personnel can truly understand their responsibilities, refine the system and strictly operate through learning. Effective prevention and supervision in advance is an important link in preventing economic cases, and self-examination and self-exemption of this post is the first; Secondly, we can take regular or irregular self-inspection, superior inspection, cross inspection and other methods to find and correct deviations in work in time. Effectively control and restrict all aspects of business work.

Through this compliance education activity, I found my correct value orientation and right and wrong standards, found my own foothold in work, and enhanced my awareness of compliance handling and compliance management. Through the in-depth study of relevant systems, I have higher requirements for improving my professional quality and the consciousness of implementing the system, which has played a great role in identifying and controlling various risks in my business, actively standardizing operational behaviors and eliminating potential risks, establishing confidence in the reform of ABC, and enhancing my sense of responsibility and mission in safeguarding the interests of ABC and establishing a good compliance culture.

Postal savings compliance experience In 2007, under the leadership of the president's office and with the help of various departments, all employees of our branch earnestly studied, implemented and enforced various rules and regulations. Focusing on the "* * * * *" proposed by the municipal branch, we should take service as the center, give full play to the image of the service window of the branch, do a good job in the accounting and settlement business of the whole bank, and contribute to the annual work of the whole bank.

& gt First, do a good job in daily service settlement.

As a branch, it is a large-scale integrated network, which is not only the window of external service, but also the business processing center of the whole bank. We think the most important thing is to do a good job in daily business processing, external service and internal settlement.

1, a lot of cash came in and out before and after the holiday. Before the Spring Festival, in order to meet the customers' demand for cash, two 1 were taken from the People's Bank of China. After the Spring Festival, 65 million yuan in cash was returned to the People's Bank of China.

2. Twice a year, give maximum cooperation to personnel and business in school fees, timely count the recovered cash, timely issue invoices for administrative fees and return them to the school, and timely transfer the money to finance.

3. Do a good job in the Spring Festival and 5. During the period of 1, the security work of salesmen, warehouse keepers and outlets, taking into account that the number of staff in the branch is less than before, informed the outlets before the festival that the quality of the banknotes required to be put into storage is up to standard, so as to speed up the storage of returned funds and reduce inventory.

4. Participate in the sales and collection of tickets for * * * large-scale concerts, and arrange related work to ensure the safety of financial personnel during this period.

5. In the first half of the year, coordinate the three departments to do a good job in the installation of online banking, and train relevant enterprises in business and computer knowledge to reduce sleeping users. In the second half of the year, in order to better develop e-banking business, under the care of the president's office, branches and corporate business departments are responsible for the installation and service of e-banking. In addition to installation and business knowledge publicity, we have also handled the e-banking business well, and there have been no mistakes such as duplication, cross-checking and omission in the past year.

9. Adjustment of account information of China Telecom, China Petroleum and Petroleum Company (transferred to group account).

10. At the invitation of the Telecommunications Bureau, * * * conducted counterfeit currency training for cashiers under the jurisdiction of the Telecommunications Bureau.

1 1. The agency business is transferred from the personal business department to the sub-branch, and the payroll service is handled centrally in all savings outlets of the whole bank, so as to speed up the payment of wages to households and meet customer requirements.

/kloc-securitization of non-performing assets was completed in February and July, with a total amount of * * * accounts, and these accounts were also closed.

In June 5438+March and July, the daily warehouse was cancelled and the branch warehouse keeper handed over. At the same time, the business personnel will be transferred from the branch to the business support department for management.

14. On August 23rd, the bank successfully accepted bill deposits and entrusted loans, and strengthened the control over deposits and entrusted loans.

With the joint efforts of all departments, the replacement and cleaning of 15 and 676 payment passwords have been completed.

Second, improve service quality and ensure the smooth development of various businesses.

Branches focus on the background of the whole bank's accounting business, and have higher requirements for business level, business scope and service means than all other outlets, and their business level depends on service skills. Only by improving business processing ability can we serve customers well.

1. We use the regular meeting every Tuesday to make service comments, point out the shortcomings of employees in counter service, and reward and punish employees according to their counter performance, so as to improve the overall service level.

3. Under the requirements of the tax exemption form of the local taxation bureau and the resumption of tax deduction procedures of other banks, with the efforts of the president's office, the Science and Technology Department of the Municipal Branch solved the procedural problems for our bank. At present, this work has been carried out smoothly, meeting the service requirements of the local taxation bureau.

4. The cashbox of 4.TM machine is installed by the outlets themselves, which saves half of the labor force for the sub-branches. * * After the merger, the counter pressure of the branch office increased obviously. We use this change in ATM management mode to increase the pressure on the counter. At the same time, the agency business will be concentrated in two windows, and a "VIP customer first" window will be set up to divert customers and change the situation of various customers. After hard work, the deposit task developed rapidly in the fourth quarter.

5. From June 165438+ 10, under the arrangement of the president's office, we have a morning meeting system every day, summarizing the work situation of the branch the day before and the work arrangement of the day, or conveying important meeting information, emphasizing the implementation of the teller system.

6. After several months' efforts, we have completed the work of the electronic exchange system for entrusted charges by the Telecommunications Bureau, the Power Supply Bureau and the Social Security Fund. In the early stage, we spent a lot of manpower and time checking account information with commercial banks to ensure this.

I want to change it myself, hey hey! Big lazy man

Hello, how does the Postal Savings Bank conduct compliance access? There are two ways to open online banking business with postal savings bank cards. One is online registration, and the other is to register at the postal savings bank outlets. The specific opening process is as follows: 1, which is convenient and quick to open online. After becoming an online registered customer, you can inquire, report the loss and transfer the transaction between green cards, but you can't use the transaction functions such as online transfer. Log in to the website of China Postal Savings Bank (), click the "Register" button under "Personal Online Banking", read the registration agreement, fill in and confirm personal basic information, and log in to online banking to experience convenient services. 2. After the outlets are opened, you can use all the functions of online banking by becoming a registered customer at the counter. During the opening process, please fill in the service application form at the business outlets designated by the Postal Savings Bank with your valid ID card and card/passbook, read the Personal Electronic Banking Service Agreement of China Postal Savings Bank and the Articles of Association of China Postal Savings Bank, sign for confirmation, carefully check the relevant contents printed by the electronic banking service machine, sign for confirmation, register successfully, get security products, and log in to online banking to enjoy convenient services. Remember to adopt

For help, there is no relevant agreement on the time limit for the approval of personal housing loans of the Postal Savings Bank. Usually, the loan application submitted by the loan applicant is complete and true, and the bank will approve it within 5- 10 working days. 2. Second-hand housing loans will be issued within 3-7 working days after the mortgage of real estate is completed. The new house is handled by the developer in a unified way and distributed by the bank in batches.