Bank employees’ experiences with compliance

The following are three bank employees’ compliance experiences that I have brought to you. I hope you like them! For more bank employees’ compliance experiences, please pay attention to the experience column! Bank employees’ compliance experiences

I believe that the only way to achieve "five things in place" is: First, moral education must be in place. ?The way you think determines your behavior and achievements. The concept and awareness of compliance must penetrate into the blood of employees across the bank, permeate into every position and every business operation link, and create a good atmosphere of emphasizing ethics, stressing compliance, and promoting case prevention, so as to encourage all employees to Employees can abide by laws, rules and standards when carrying out business management work.

First, strengthen awareness of law and discipline. Actively carry out legal education to enhance employees' awareness of prevention and legal awareness; use real cases to educate people around them so that employees can cast laws and regulations into their minds.

The second is to strengthen the sense of dedication. Guide employees to strengthen their self-cultivation, learn psychological regulation, not blindly compare with others, guard against the slightest, and maintain a high degree of alertness in the face of various temptations; correctly handle the conflicts between groups and individuals, individuals and society, and individual and individual interests.

First, take care of yourself. Self-esteem and self-love are the basis for employees to cultivate their self-reliance, anti-corruption and risk prevention capabilities. Employees must protect themselves and their families from the perspective of protecting themselves and their families, and effectively improve their ability to prevent minor changes.

The second is to supervise others. Don't trust others easily, pay attention to the people around you, be good at raising questions about abnormal business processing in a timely manner, be vigilant and responsible for the review and authorization business you handle, and ask questions to the end.

The third is to adhere to the process. Process system is the most effective way to solve compliance operations and prevent financial risks. Practice has proved that replacing process system with human system often hides greater hidden dangers of moral risks. The supervision and guarantee of process system can provide powerful supervision for stable operations. restrictions.

The fourth is to establish a platform for effective communication. Understand the work, study, life and family situation of employees through heart-to-heart conversations and individual heart-to-heart conversations, listen to the voices of employees, and establish a good communication platform between grassroots outlets and employees’ families, so that both parties can We all know what employees are doing inside and outside eight hours, and promptly help employees in difficulty solve problems and open their minds, so that everyone can concentrate on study, work comfortably, and live happily. Fourth, supervision and management must be in place. Improve performance appraisal methods that attach equal importance to business development and reasonable management, and establish a supervision mechanism for risk prevention.

First, the assessment of the implementation of compliance operations is included in the performance appraisal indicator system and used as one of the indicators to measure the work performance of each unit, so that it is closely linked to leadership performance and employee income.

The second is to establish a special assessment and incentive mechanism with equal emphasis on rewards and punishments. Provide protection, praise or rewards to those who have done well in compliance work or who have contributed to reporting or resisting violations; those who have only minor deviations or accidental mistakes in the performance of work responsibilities and have not caused adverse consequences will be exempted from liability or given lenient treatment; Those who have or conceal violations of regulations and cause adverse consequences must be punished in accordance with regulations and held accountable.

The third is to establish a communication system. The system is not a decoration placed on the desk. It requires managers to preach to employees frequently and communicate, explain and remind them tirelessly before the system can be implemented. The fourth is to establish a rational suggestion system. By carrying out "Rational Suggestion Activities", we give full play to the wisdom of employees, value their opinions, give them opportunities to discover problems and propose solutions, and guide them to put forward rational suggestions for improving business operations and preventing risks. Employees will naturally keep the suggestions in mind and implement them consciously if they are applied in practice. Fifth, we must set an example. ?The power of role models is infinite?. The positive example is a flag, which can inspire the soul and guide the way; the negative example is a warning bell, which can sound a warning and serve as a warning. First, leading cadres should take the lead in setting an example, practice it personally, and set a good example of compliance operations for their subordinates. Compliance must start from the top. This is an important concept in the guiding principles of the Basel Committee on Banking Supervision and is also required by the Compliance Policy of the People's Bank of China.

Compliance starts from the top, starting from the top leader of each unit. Compliance must be preached at all times verbally, compliance must be reflected in behavior at all times, and a good example of compliance management must be set to all employees. , only when managers at all levels raise their awareness and attach great importance can they ensure that all compliance operations are implemented and compliance operations can play a role in bank operations. Second, case warning education is the most effective means of deterring potential criminal behavior. By looking at various cases that have occurred, we can seize the typical cases and regularly carry out typical case warning education activities, especially emphasizing the harm that the sentencing of cases brings to the family. and the intensity of dealing with people to achieve the purpose of always sounding the alarm and preventing trouble before it happens. In short, each of our employees must keep the concepts of "honesty, integrity, law-abiding, and compliance" in mind, take the business philosophy of "everyone is responsible for compliance, and compliance creates value" in their hearts, and strive to be compliant with regulations and disciplines. Bank of Communications employees contribute to achieving Bank of Communications’ established goals of sustained, stable operation and rapid development! Bank employees’ compliance experience II

Through the previous stage of study, I deeply realized that compliance culture Educational activities embody the values, business concepts, behavioral norms, collective beliefs, creativity, cohesion, and combat effectiveness of Agricultural Bank of China employees. They are a strong political and organizational guarantee for promoting the reform and development of Agricultural Bank of China. The implementation of this learning activity allowed me to further understand my job responsibilities, purify my thoughts, and improve my work ability. Next, I will report on my experience of this study:

1. Strengthening compliance culture education is a need to improve the level of business management. Carrying out compliance cultural education activities has positive and far-reaching significance for standardizing operating behaviors, curbing violations of laws and disciplines, and preventing the occurrence of cases. The development of the situation requires us to continuously strengthen our study, comprehensively and systematically study political theory, financial business, laws and regulations and other aspects of knowledge, constantly update the knowledge structure, strive to improve the overall quality, better adapt to the needs of the accelerated development of the bank's business, and enhance The ability to clearly argue what is wrong and resist corruption and change, and to be firm and clear-headed in the face of major right and wrong.

2. Strengthening compliance culture education is the need to establish a long-term development mechanism. The construction of corporate compliance culture education is a huge and systematic project that cannot be completed overnight. Compliance culture should include corporate spirit, values, corporate goals, corporate systems, corporate environment, corporate image, corporate etiquette, corporate logo, etc., to form a cultural management concept with its own characteristics.

3. Strengthening compliance culture education is a need to improve economic efficiency. The main purpose of strengthening compliance culture education is to reduce financial risks and maximize corporate benefits by improving corporate cohesion and centripetal force. At work, you should do the "three essentials". First, we must establish correct guiding ideology. It is necessary to pay attention to the security and liquidity of funds while pursuing profits, and to prevent the tendency to ignore risk prevention and the construction of internal control mechanisms in the pursuit of high-speed business growth. In particular, we must prevent companies from speculating on banks. A project will inevitably cause competition among multiple banks. In the competition, companies will definitely put forward some unreasonable conditions to allow banks to increase loan risks. We must weigh the pros and cons carefully and do not lose watermelon for sesame seeds.

It is better not to develop than to develop blindly and cause new capital accumulation. Second, we must establish and improve various rules and regulations. We must always put system construction in a prominent position, focus on using systems to restrain people, and use systems to regulate daily behaviors. To this end, it is necessary to formulate and improve a series of rules and regulations based on the actual work, insist on using the system to standardize the business operation process, ensure that there are rules to follow, effectively plug various loopholes, prevent the occurrence of violations, and ensure that every link is not Something went wrong. It is necessary to conscientiously learn from advanced international experience and actively use modern scientific and technological means to establish and improve a monitoring, assessment and early warning system covering all business risks. It is necessary to pay attention to loan risk concentration and related enterprise credit monitoring and risk warnings, pay attention to early warning, and conscientiously Implement a major breach of contract registration and risk warning system.

It is necessary to establish and improve the internal control system to ensure the safety, liquidity and efficiency of operations, establish a check and balance mechanism of self-adjustment, self-restraint and self-control, and establish and improve the internal control system of continuous self-improvement in the process of pursuing self-economic interests. Strengthen operational risk prevention. Fourth, we must persist in ideological education. We must firmly grasp the important link of ideological education, regularly carry out the study of relevant rules and regulations, carry out targeted education on party style and clean government, continuously enhance the awareness of operating in accordance with the law and compliance, use cases that occur around the financial system to give personal opinions, so that everyone can Employees should always keep a clear head and consciously resist the erosion of all kinds of decadent ideas. Bank Employees' Compliance Experience 3

Recently, our bank has advocated the construction of a compliance culture and organized viewings of "compliance education micro-movies". Through case reproduction, I deeply feel the importance and necessity of building a compliance culture, and I have a lot of feelings.

1. Strengthen learning, improve one’s own quality, and establish strong professional ethics

As employees in the financial industry, business learning is important, but the improvement of ideological awareness and the sublimation of moral quality are even more necessary. Guaranteed by learning. On the one hand, we should consciously study, learn various internal systems and prohibitions, and know what is allowed and what cannot be done; read more newspapers and watch more news, learn from good people and good deeds, follow the example of positive people, and achieve the ideological goal of resisting corrosion and preventing corrosion. high. On the other hand, we cannot ignore professional ethics due to the influence of the surrounding environment. There are many people around us who wear famous brands and drive luxury cars, and we cannot lose our professional ethics because of envy and imitation; around our employees, some individuals break the system, break the rules, and get temporary benefits by luck. As other people in the same environment, Employees should not have any unreasonable thoughts that "I can do the same" just because he has done this. Otherwise, they will be trapped in it and unable to extricate themselves.

2. Enhance responsibility awareness and strengthen responsibility supervision

First of all, we should truly understand the importance of responsibility. Whether in accounting positions or credit positions, in front-office or back-office positions, each of our employees should always be aware of the responsibilities they bear. Regardless of whether the business is new or skilled, whether the business is busy or idle, whether the personnel are tight or slack, we must strictly follow the rules and operate according to the rules. If we become tired and relaxed about our work, lose enthusiasm, become careless and careless in our thinking, do not review the business we handle carefully, do not control strictly, and do not think about or explore new risk points, then the potential Risks may have arisen, and unintentional mistakes may lead to cases. We must always remind ourselves: My small negligence may bring great trouble to customers; my small mistake may bring huge losses to CCB. ?

Secondly, responsibility is a constraint. We have seen and heard many cases of warning education, and most cases occur due to a lack of awareness of responsibility. In the case, some people turned a blind eye to the signs and symptoms of violations by those around them; as colleagues, they did not remind or warn people who behaved abnormally; and even worse, not only did they not raise objections, but they were also invisible because they did not follow the rules. Did China give the green light to the perpetrators? Because of our weak sense of responsibility, we failed to discover and stop violations in time; because of our weak sense of responsibility, we provided convenience to those who committed crimes. If everyone is responsible for themselves and at the same time responsible for others, then the restriction mechanism of our mutual supervision will not be an empty talk, and the goal of achieving Ping An CCB will not be far away.

3. Practice it personally and be a practitioner of compliance culture construction

As an accounting supervisor and inspector, first of all, I should study the business seriously, study diligently, and think more. Secondly, the inspection work should be meticulous and solid, without going through the motions. Before the inspection, the inspection contents should be clarified in advance and the inspection methods should be carefully considered; during the inspection, people should be attentive, using both brains and hands, and business guidance and business inspection should be combined; after the inspection, suggestions and measures should be put forward for rectification of problems. Through inspection and supervision, we will do our best to standardize accounting, improve accounting level, and prevent and control risks of our bank.