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Reflections on bank compliance warning education (selected)

Part 1

While the reform and development of state-owned commercial banks have achieved remarkable results, the problem of emergencies in grassroots institutions has never been effectively controlled. The occurrence of these cases not only caused huge economic losses to state-owned commercial banks, but also had a negative impact on their social image. How to prevent bank cases from occurring from the source by analyzing the causes of the cases is a question that banking institutions at all levels should consider. Through the study of the "Price" warning education case, combined with my own experience of working in a bank for many years, I will share some superficial views on the preventive measures for the case.

(1) Correct business philosophy and promote stable and rapid development of banking business. Taking value maximization as the business goal is the clear business guiding ideology of state-owned commercial banks in the process of reform and development. In actual work, bank managers at all levels must resolutely abandon the short-term behavior of focusing on scale, not quality, and grabbing deposits at any cost, and always grasp the correct business philosophy ["Secretary Port" has more exciting articles waiting for you! ]read.

(2) Strengthen internal management and establish and improve scientific management mechanisms. Commercial banks should establish and improve a performance evaluation and assessment mechanism with economic added value as the core and a combination of rights, responsibilities and benefits based on the bank's development strategy, business ideas and annual comprehensive business plan. Establish a sound, reasonable and effective internal control system, strengthen the risk awareness of employees across the bank, and build a multi-level risk defense line including internal audit, appointment of accounting supervisors, business inspection, risk management, audit supervision, etc., to form a joint force of supervision. Strengthen and implement the operational and management responsibilities of branches and branches at all levels, implement an accountability system, and increase the intensity of accountability. In particular, a resignation system should be implemented for heads of institutions with frequent cases.

(3) Put people first, build a harmonious team, and strengthen the construction of the workforce. Banking institutions should treat every employee as a master and value creator, establish fair, open and fair salary, promotion and other incentive methods, and build a stable and smooth development space for employees. Promote corporate culture, cultivate employees' professionalism and enterprising spirit, and enhance employees' loyalty and contribution to the bank. At the same time, we frequently carry out warning education to employees, conduct regular employee inspections, timely grasp employees' thoughts and behavioral dynamics, and nip hidden dangers in the bud.

(4) Strengthen the awareness of compliance management and compliance operations, and cultivate a compliance culture. Continuously strengthen the awareness of compliance management and compliance operations among business managers and employees, so that everyone can take the initiative to comply with regulations, comply with regulations in everything, and gradually cultivate and form a good compliance culture.

Warning education is of great significance in preventing case risks. Warning education should focus on guiding employees to think about life purpose, life value, life attitude and other issues, correct life coordinates based on cases, and enhance self-discipline awareness. When describing negative and typical criminal processes in education, you should avoid mentioning criminal techniques and evasion detection tactics as much as possible to avoid being imitated by people with ulterior motives. At the same time, it is necessary to dig more into the root causes of crimes and show less personal details. Although crimes come in all shapes and sizes, they all have their own unique characteristics when embarking on the illegal path. We should abstract essential things from numerous criminal cases to educate people, and when mentioning examples of disciplinary crimes, we should check the content and specific details. Through rational analysis of disciplinary and criminal phenomena, employees can understand a truth: human depravity is not accidental. It has a gradual process from small to big without knowing it. They all follow the path from small evil to great evil, and eventually lead to ruin. If No matter how small the evil is, you may be the one who embarks on a criminal path tomorrow, so that employees can be truly warned

Chapter 2

I watched the educational video "Compliance" "Awakening Words", I truly realized the importance of compliance. Looking at each shocking case makes us think deeply. In the past, they may have been colleagues who fought side by side with us, maybe they were friends that we praised highly, maybe they were outstanding representatives in the hearts of our customers, and they were immortal role models in our hearts. But now, they are companions behind bars and in prison. Follow.

“No rule can create a circle.” This is the best explanation of the importance of compliance. It is an unchanging law of social development and human progress since ancient times. "Risk control" and "risk-free" are the primary principles of our Agricultural Development Bank's operations. To ensure that it is risk-free, it must be compliant with the law. From the capital misappropriation case of more than 2 million yuan to the bank counterfeit bill case of hundreds of millions of yuan, they all demonstrate to us the importance of compliance culture.

The painful lessons have sounded the alarm for us and always remind us: if there are no cases or accidents in business operations, a compliance culture must be established; if the banking industry wants to achieve sound and rapid development, a compliance culture must be established.

Banks are known as the "Three Irons": "Iron System, Iron Abacus, and Iron Account Books." It is precisely because of the "Three Irons" of banks that banks can be trusted in the hearts of the people. The implementation of rules and regulations depends on the clear understanding and proficiency of the employees on various rules and regulations. Failure to follow the rules and regulations is a taboo in the industry. "A car can only follow the road after traveling a thousand miles." Regarding regulations, The implementation of the system, as far as front-line tellers are concerned, starts with me from the inside, handles every business correctly, carefully reviews every bill and every piece of information, handles business in compliance with laws and regulations, and strictly implements business Operating system security precautions, resisting various illegal operations, etc. We must do a good job of mutual restraint and mutual supervision, and we must not deviate from the rules and regulations because of colleagues' concerns or one-sided pursuit of economic benefits. Insist on doing things according to the rules from beginning to end. Only in this way can our system be implemented and the safety of our funds guaranteed. No matter how good the system is, if it cannot be implemented well, it will go to the opposite direction.

In the face of temptation, we guard the pure land in our hearts; in the face of temptation, we strengthen the justice in our hearts; in the face of temptation, we should think about our family and friends. Rather than being lax and procrastinating about compliance, it is better to eliminate all bad habits thoroughly. Document all non-compliance issues that arise in grassroots work, formulate a clear reward and punishment system, and then strictly implement it. If each of our employees does this to the letter, can those sugar-coated bullets still hit us? Will those painful lessons of violations of rules, disciplines and laws still happen to us? If each of our employees does this to the letter If we do it right, we will surely build a solid Great Wall of abiding by laws and regulations in the hearts of every employee!