Suggestions on rationalization of bank emergency plan

With the coming of rainy season, the business department of xx Branch of Industrial and Commercial Bank of China has taken precautions and taken active precautions, launched an emergency plan for flood control, and adopted various measures to strengthen the prevention of emergencies in flood season.

First, do a solid job in flood control deployment. In the near future, the flood control work will be deployed as an important work, and a departmental coordination meeting will be held to closely investigate the hidden dangers in the flood control work in the rainy season and learn from them. 7. 18? Rainstorm experience, clear tasks and implement responsibilities.

The second is to organize all staff to learn. Make use of the morning meeting time to strengthen the study of flood control emergency plan, and ask everyone to pay attention to it and be vigilant; Strictly guard against death and implement responsibilities; Strengthen drills and be familiar with disposal procedures.

The third is to strengthen coordination. Instruct the cash operation center, office and escort company to communicate with each other, effectively communicate the possible problems such as road congestion, rain bag, network failure and poor system handover in rainy season, clarify responsibilities, strengthen coordination, effectively improve the ability to deal with emergencies in flood season, and ensure cash safety.

The fourth is to improve the working environment. Clean up the office space and sundries in front of the door in time, dredge the drainage facilities, and put an end to the phenomenon of water accumulation when heavy rain comes. And the exposed lines will be fixed with metal edges to prevent the use from being affected by moisture and collision. Provide the necessary hardware environment for flood control work and ensure the safety of funds to the maximum extent.

The bank is located at No.2 Hongxi Street, Changjiang District, Yellow River City, and there are few people on holidays. The front is facing the street, with convenient transportation, and the back is the printing house and the family building of South Asia Group. The situation is more complicated. All employees must be vigilant and strictly implement the provisions of Chapter IV of the Interim Provisions on Safety Work of China Construction Bank and the provisions of Chapter IV of the Operating Rules for Safety Work of China Construction Bank.

In order to ensure the personal safety of CCB's funds and employees, according to the environment where the business office and savings counter are located and eight possible situations such as robbery, theft, fraud, fire, bank run, trouble, anti-virus and earthquake prevention, the corresponding emergency plan is formulated as follows:

(1) When a gunman carries out a robbery plan with guns (machinery and explosives).

1, after the counter staff found out the situation, they used words to deal with the gangsters, and took the opportunity to press the alarm button of 1 10 to sound the on-site alarm. Two departments of personnel play it by ear, * * * collaboration.

2. The cashier quickly collected the cash, locked it in the cupboard, and the safe was garbled, picked up the self-defense weapon and prepared for self-defense.

3. Other personnel quickly hide in a favorable position to protect themselves, take up self-defense weapons and prepare for self-defense, and report the situation to the branch leaders and public security departments by mobile phone or telephone. Please send someone to support them.

4. If the gangster breaks the bulletproof glass, the staff in the counter can use self-defense weapons, cooperate with other people in the industry, flexibly use various objects to cover the fight with the gangster, ensure the capital and personal safety to the maximum extent, and cooperate with the joint defense personnel to arrest the gangster.

(two) the situation of fraud, impersonator plan.

1. When a suspect of fraud or impersonation is found and confirmed, the teller shall immediately inform the cashier by password. The amount this customer wants to withdraw is too large, and we don't have that much money. ? Sign the cashier with your eyes. The cashier should be aware of the situation and say: I contacted ICBC and asked ICBC to remit the money. ? The cashier reported to the branch leaders by phone that we don't have enough money here, please transfer it to us as soon as possible. ? At the same time, tell others in the business room loudly: Xxx, you handle the ticket for us, and we need to transfer money from ICBC. ? Pass on information about what happened. During the speech, the personnel on duty shall not return the suspect's bills and certificates, and talk with him, try to stabilize the suspect, quickly confirm the suspect's appearance, closely monitor and wait for help to capture the suspect.

2. Press the alarm button of 1 10 and give an alarm at the scene, and call the police and other departments to ask for assistance in arresting the suspect.

After hearing the alarm, the personnel of other departments immediately blocked the door of the business room with weapons and arrested the suspect.

(3) the plan to prevent theft cases

1. At the end of business every day, put the money, certificates and seals into the warehouse for safekeeping, lock the doors and windows, and use the alarm system of 1 10 for fortification monitoring to prevent thieves and bad guys from destroying them.

2. At work, operate according to the rules, conduct accounting in strict accordance with the counter work system, strengthen review, and prevent internal theft.

3. When making external payment, one person must watch the customer finish counting the money, and ask for the amount before handling the next business, so as to prevent theft cases such as replacing the package and pulling the bill.

(four) the plan in case of fire

1. Quickly identify the fire. If it is caused by electricity, cut off the power supply as soon as possible, and activate the fire-fighting facilities to extinguish the fire.

2. If the fire is too big, immediately call the fire alarm number 1 19 for help; At the same time, ask other departments for help, and other departments immediately organize personnel to put out the fire.

3. Evacuate people quickly and rescue cash, important information and property.

4. Assist the fire brigade to put out the fire.

5. Protect the scene, maintain order, be vigilant and prevent the bad guys from taking advantage of the fish in troubled waters.

(5) When a bank run occurs.

On the same day or during the business period of nearly two or three days, if more than normal customers come to withdraw large amounts of cash or transfer large amounts of money to other banks, it should be regarded as a run. In this case, the personnel on duty should follow the following plan to thwart the bank run and stabilize the financial order.

1, make a good interpretation. When there is a bank run, the personnel on duty should pay attention to the whereabouts of funds, explain to customers as much as possible, publicize the advantages of our bank's abundant funds and convenient deposit and withdrawal, and detain funds as much as possible.

2. Report in time. While doing a good job of explanation, the personnel on duty should report the situation to the leaders in charge of the branch in time. After reporting to the governor in charge, the competent leaders should report to the local people's bank and the superior bank in time, and ask the people's bank to take effective measures to maintain the stability of the financial order.

(six) the plan in case of riots.

During the business period, someone took the opportunity to make trouble in the business hall, which was unreasonable, damaged our reputation and disrupted the normal business order. In this case, the personnel on duty should prevent the situation from expanding according to the following plan.

1, calm analysis. Faced with the noise of customers, the staff on duty should not be impatient. They should calmly analyze the cause of the incident and distinguish between our fault and the customer's fault.

2. Explain and inspire. If it is our equipment failure, we should be sincere, do a good job of explanation, explain the reasons, and actively take remedial measures to minimize customer waiting time; If we make mistakes in our work, we should first make self-criticism to get the understanding of our customers, and then actively correct and make up for the mistakes; If it's the customer's fault, point it out gently and explain it clearly. Under normal circumstances, customers can understand, but don't be unreasonable, embarrassed or intensify contradictions.

3. discourage warnings. If, after a lot of explanations by our staff, the customer still stubbornly takes the opportunity to make trouble and make noise, the duty officer should seriously point out the mistake of his behavior and make it stop immediately.

4. Call the police. After taking various effective measures, customers still can't stop taking the opportunity to make trouble, and the personnel on duty should report to the leaders of the branch and the public security department as soon as possible.

In recent years, China's banking industry is facing such problems as? 5. 12? In case of emergencies such as Wenchuan earthquake, emergency plans should be launched quickly, and effective measures should be taken to reduce the impact of emergencies on business systems and reduce risks to a certain extent. However, the emergency measures taken by China banks in the face of disasters are mostly administrative measures, lacking unified and coordinated management, and cannot be widely used as long-term measures for banks to deal with natural disasters. At present, the emergency management level of China's banking industry and its ability to deal with natural disasters, accidents, social security incidents and other emergencies need to be further improved, especially compared with foreign banks, there is still a big gap in the emergency management ability of China's banking industry. Specific performance in:

(A) the financial industry lacks a special emergency law

The National Financial Emergency Plan issued by the State Council Institute and the Emergency Response Law issued on June, 2007 1 65438+1October1day have ensured the implementation of early warning and emergency prevention in the banking industry to a certain extent, but the hierarchy and operability are far from enough. To achieve the purpose of promoting the regulatory authorities to respond quickly and effectively to financial emergencies, preventing and reducing the harm and losses caused by financial emergencies to the maximum extent, and maintaining China's financial and social stability? The bank? For the purpose of various emergency plans for riot prevention and ensuring national economic security, it is necessary to introduce special emergency laws and regulations for financial industry as soon as possible.

(b) The bank emergency plan needs to be improved.

First of all, the formulation of emergency plan lacks standardization and systematicness. First, the planned exercise scheme is formalism. At present, the form of emergency plan is relatively complete, and all elements are complete, but the organizational system is chaotic, the division of responsibilities is vague, and the handling links are cumbersome, so it is difficult to deal with sudden disasters efficiently. Second, the pre-plan exercise plan is divorced from reality, and its operability and pertinence are not strong. Due to the influence of funds, personnel, environment and other factors, there are still some difficulties in comprehensively and deeply practicing emergency plans on the spot, especially for large-scale natural disasters such as earthquakes and floods. According to the relevant data, the drill with lower difficulty accounts for 1/3[2]. In the process of making emergency plans, if the banking industry can thoroughly and comprehensively analyze the earthquake hazards and business impacts, and make appropriate emergency plans, banks can quickly resume foreign services after the disaster.

Secondly, the coverage of emergency plan is not wide. No domestic bank has achieved the overall disaster recovery plan at the branch level, while many foreign banks have achieved the plan at the branch level. For example, Bank of America has formulated more than 7,000 emergency plans for its head office and branches to deal with various sudden disasters. ? 9? 1 1? After the incident, the United States made a lot of reflections on the disaster site and improved emergency measures. On May 28, 2003, the three major financial regulators in the United States issued the Inter-departmental White Paper on Reliable Measures to Enhance the Disaster Recovery Capability of the American Financial System, which put forward clear measures and implementation time requirements for the recovery capability of financial institutions at all levels after being hit by large-scale disasters [18].

Third, the feasibility of the emergency plan needs to be further tested. At present, a common problem is the lack of experience in emergency training and drills, especially the lack of understanding of the significance of emergency training and drills by grass-roots banks, coupled with insufficient investment in personnel and funds. Therefore, most grass-roots branches and outlets have some difficulties in organizing personnel training and conducting drills. Even if some units conduct drills, they are limited to a certain unit and a certain system, and the effectiveness is not strong. Few banking institutions can improve the plan and risk assessment in time according to the effect of the exercise.

(C) Bank disaster backup and recovery capabilities need to be strengthened

First of all, there are some shortcomings such as single type and limited coverage in China's banking disaster backup. China banking disaster backup and business continuity management mainly consider IT department, and the capital investment is mainly concentrated in IT department. In the process of disaster backup construction of general data center, only a few core business systems such as deposit, marriage and settlement were backed up, and many important application systems did not even establish basic disaster backup measures and did not have basic recovery ability. From where? 5. 12? Judging from the Wenchuan earthquake, the losses caused by this disaster involve not only IT systems, but also business systems, architecture systems, business experiences and casualties. In the event of such a large-scale sudden disaster, if the disaster recovery plan is limited to IT systems, IT systems can recover quickly, while other systems are in a state of paralysis, and banking institutions cannot provide services to the outside world in time. So far, no bank in China has achieved the overall disaster recovery at the branch level, which has led to the experience of grassroots banks. 5. 12? After the Wenchuan earthquake and other emergencies, it is difficult to resume core business in a short time.