Four articles on bank compliance experience

What is compliance means compliance. In any place, Europe will have its own rules. Without rules, Fiona Fang cannot be achieved, not to mention banks. The following are "Four Experiences of Bank Compliance" compiled by me for your reference only. Welcome to read. Chapter one: Experience of bank compliance

Recently, the provincial bank launched a special education and learning activity of "Starting from Me, Compliance Operation". During the learning activity, I got a deeper understanding of professional ethics integrity, awareness of compliance operation and awareness of supervision and prevention in accordance with the opinions issued by the provincial bank and combined with my actual situation at 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, it seems ordinary, but it is 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 job is the guarantee of personal survival and development, and it is also necessary for the existence and development of Agricultural Bank. Agricultural Bank of China (ABC) can't develop, become stronger and invincible in this highly competitive financial industry without the selfless dedication of every comrade. Being a person of Agricultural Bank of China, for the future and honor of Agricultural Bank of China, being a person who loves his post and is dedicated to his work is the code of conduct most cited by professional ethics for us to regulate the quality of behavior and evaluate good and evil.

As a financial unit, employees should pay more attention to morality and morality in their occupations. If they go wrong, they will make mistakes and get lost. If there is no virtue, it will be difficult to serve the people, not to mention 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 engaged in the work of Agricultural Bank of China, which is my profession and also my profession. I have been engaged in this profession since I joined the work, and I have always loved this profession. I have a strong interest and deep feelings for the work of Agricultural Bank of China, so I have always been dedicated. Only my dedication to my post is the concrete embodiment of my spirit of serving the people.

To stress professional ethics, you must also be honest and trustworthy. The so-called honesty means loyalty and honesty. The so-called trustworthiness means keeping your word, stressing credibility and paying attention to credit, and fulfilling your obligations. Therefore, through this study, I have a deeper understanding of the fundamentals, manners, words and deeds and responsibilities of an employee of the Agricultural Bank of China, that is, to constantly strengthen their study in their work, always demand themselves according to professional norms, and work hard to make themselves invincible.

2. Strengthen business knowledge learning and raise awareness of compliance operation

"Without rules, nothing can be achieved". As front-line employees of outlets, it is the most practical 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 is a window for customers to directly understand our bank and plays a bridge role between customers and banks. Therefore, in the counter work, I always insist on being a "willing heart". Learn business with an open mind, exercise skills with heart, handle business patiently, and treat customers with enthusiasm. 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 a better social image for our bank. We face all kinds of customers and all kinds of things at different levels every day, which requires our front-line employees to have a high degree of ideological consciousness.

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. If you think about it carefully, it is not the case. 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 acting in accordance with 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 just like a huge machine, and each system is a machine part. If we don't operate and maintain it according to the procedures, even if a gong wire nail is missing, it will cause incalculable losses. The maintenance and implementation of each system must be strictly implemented by our employees, just like the violation mentioned in Case 3 of the Warning Case of Violation of Discipline, if there is no teller Huang Chyi Chin's carelessness, no cashier Yan Zhaoxia's arbitrariness, However, the connivance and shelter of Dawu Sub-branch afterwards also led to the extension of the violations of Guangming. We can see from time to time that the implementation of rules and regulations is not carried out by one person, but by a collective with mutual restraint and supervision.

Third, strengthen the implementation and supervision of rules and regulations to prevent cases

Banks are known as "three railways:" iron system, iron abacus, iron account book ". It is precisely because of the "three railways" of banks that banks can be trusted in the hearts of the people. Whether the rules and regulations are implemented or not depends on the broad masses of employees' clear understanding and proficiency in various rules and regulations. It is a big taboo for all industries that there are rules and regulations that are not followed and there are rules and regulations that are not evaded. 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 bill, 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 can't be implemented well, it will also go to the opposite side. No regrets! All rights reserved!

In recent years, economic cases in the financial system have not only disrupted 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, professional 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, ignoring the ideological construction of cadres and workers, and the relationship between ideological and political work and professional work is not properly handled. It is limited to both positive education and regular case warning education, so that cadres and workers can strengthen their ideological defense lines and often warn themselves that "if you reach out, you will be caught", thus laying a good mass foundation and ideology for eliminating financial crimes. Perfecting rules and regulations and strict internal management are the guarantee to prevent economic cases. To this end, we should 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, elaborate 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-immunity in this position are the first; Secondly, we can take regular or irregular self-inspection, superior inspection, studying abroad, cross-checking and other methods to find and correct deviations in our 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 work foothold, and enhanced my awareness of compliance handling and compliance management. Through in-depth study of relevant systems, I have higher requirements for improving my professional quality and the consciousness of implementing the system, enhancing my ability to identify and control various risks in my business, actively standardizing operational behaviors and eliminating potential risks, establishing confidence in the reform of ABC, enhancing my sense of responsibility and mission in safeguarding the interests of ABC and establishing a good compliance culture. Chapter II: Experience of Bank Compliance

Through the "big investigation" of case risks in the previous stage, I deeply realized that the compliance culture education activity is an educational method with the financial characteristics of rural cooperative banks and the corresponding governance system and organizational form in a specific historical period, and it is a value concept that rural cooperative banks believe in and learn from the governance experience of the Basel Committee on Banking Supervision and put it into practice. It embodies the values, management concepts, codes of conduct, common beliefs, creativity, cohesion and combat effectiveness of cooperative bank employees, and is a strong political and organizational guarantee to promote the reform and development of rural cooperative banks. It can be said that the development of this activity has made me further understand my post responsibilities, purified my thoughts and improved my leadership ability. Below, I would like to talk about my views on the gains of this study.

1. Strengthening compliance culture education is the need to improve the level of business governance.

Carrying out compliance culture education activities has positive and far-reaching significance for standardizing operational behavior, curbing violations of laws and regulations and preventing cases from happening. In accordance with the requirements of "one post and two responsibilities", we should conscientiously perform our duties, especially pay attention to strengthening the study of political theory, economy, finance, laws and regulations, and constantly improve our comprehensive quality, enhance our ability to distinguish between right and wrong and resist corruption and change, so as to stand firm and clear-headed in the face of right and wrong. At the same time, it is necessary to further correct the guiding ideology of operation, enhance the awareness of prudent operation in compliance with laws and regulations, guide all business activities of the Bank to the right track, and promote the healthy and effective development of all businesses.

it is necessary to vigorously pursue truth-seeking and pragmatism in our bank, form a business style of telling the truth, reporting the truth, making practical moves, doing practical things and being pragmatic and effective, create a good business environment, improve the governance level, be strict in discipline, be strict in responsibility, pay close attention to implementation, strictly control all kinds of moral risks, operational risks and governance risks, and maintain and enhance the image of rural cooperative banks. On the one hand, in order to improve all employees' familiarity with strengthening corporate compliance culture education, the cadres and workers of Quanzhou Rural Cooperative Bank 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 the employees, it is impossible to build a good corporate compliance culture, let alone let employees abide by the law. 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 and governance, pay close attention to basic governance, and promote compliance management according to law.

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 cannot be built overnight. To reasonably determine the development goals, we should have certain planning goals in a period of time, and finally establish a mechanism to adapt to the long-term development of enterprises. From our bank's point of view, it should include enterprise spirit, values, enterprise objectives, enterprise system, enterprise environment, enterprise image, enterprise etiquette, enterprise logo and so on, and form a cultural management concept with its own characteristics. First of all, we should take the form of going out and inviting in. Through study, exchange and discussion, all employees should be familiar with how rural cooperative banks should develop, how employees should do their jobs well in their own posts, how different they are from other employees and how to improve them. Finally, according to the actual work, we should conscientiously carry out standardized services, and conduct special study on some details and difficult issues in accordance with the provisions of various rules and regulations of the Head Office. In view of the current business operation and counter service situation, we should conscientiously sum up and subdivide customer groups and business needs, integrate limited resources, brainstorm on service focuses with great contradictions and service difficulties, open our minds, and constantly innovate service methods to meet customer needs to the maximum extent and enhance the essence of corporate compliance culture.

third, strengthening compliance culture education is the need to improve economic benefits

the main purpose of strengthening compliance culture education is to reduce financial risks and maximize enterprise benefits by improving the cohesion and centripetal force of enterprises. At work, we should achieve "three essentials". First, we must establish a correct guiding ideology. We should pay attention to the safety and liquidity of funds while pursuing profit, and prevent the tendency of neglecting risk prevention and internal control mechanism construction in order to pursue high-speed business growth unilaterally. Especially the idea of preventing enterprises from speculating in banks. A project will inevitably lead to competition among many banks. In the competition, enterprises will definitely 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 losing watermelons for sesame seeds. Would rather not develop, not blindly develop, and cause new capital precipitation. 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, adhere to the system to standardize the business operation process, 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. It is necessary to learn from international advanced experience, actively use modern scientific and technological means, establish and improve a monitoring, evaluation and early warning system covering all business risks, pay attention to loan risk concentration and credit monitoring and risk warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the system of major breach of contract registration and risk warning. It is necessary to establish and improve the internal control system, ensure the safety, liquidity and efficiency of operation, establish a balance mechanism of self-adjustment, self-restraint and self-control, establish and improve the internal control system of continuous self-improvement 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 targeted education on the party's work style and clean government, constantly enhance the awareness of operating in compliance with the law, and make use of cases that have happened around the financial system to present their views, so that all employees can always keep a clear head and consciously resist the erosion of various decadent ideas. Chapter III: Experience of Bank Compliance

As the saying goes, "Without rules, there is no Fiona Fang", which explains the importance of compliance culture in simple terms and is an eternal law of social development and human progress. If the work of the Agricultural Bank of China is compared to an astronomical figure, then the compliance is 1, and our efforts, sweat, honor and dedication make up a long string of zeros. Without compliance, no amount of zeros is meaningful.

"don't you bother? I have to compare it with my seal for a long time every time. I often come here, but can I still fake it? Too true! " "I forgot my ID card, so I live near here. Please help me count the money first. I'll send you my ID card later. It's okay. Don't be too serious." "We are a husband and wife, and whoever signs it is not the same. You are too serious." At work, this happens from time to time. "Being truer" sounds rather contemptuous, but after careful consideration, it is actually not. Our "truer" comes from the respect for the profession and the compliance with the system, which is the premise and foundation for doing our job well.

for a common example, in the private business of bank counter business, four kinds of high-risk businesses, such as card replacement due to damage, card replacement due to loss, magnetic stripe rewriting and password reset, are relatively special businesses, one of which is to fill in the checklist of special business information. For this link, some customers may be interested in