Financial planning self-inspection report

Article 1 Self-inspection Report on Financial Planning

In order to cooperate with the CBRC's inspection of personal finance business of commercial banks and standardize the personal finance business of our branch, according to the spirit of the Notice of CBRC on Further Regulating Personal Finance Business of Commercial Banks, our branch has conducted a comprehensive, item-by-item and meticulous inspection of its business since * 2008, and now the self-inspection report is as follows: 1. Staffing.

According to the evaluation results, the wealth management manager recommends the corresponding wealth management products to customers. After the signature of the wealth management manager and the customer, the evaluation report shall be submitted to the branch's wealth management supervisor for review and signature. For customers whose single purchase amount exceeds 6,543,800+,the appraisal report shall also be signed by the president in charge of personal finance business of the branch. During the self-inspection, it was found that the evaluation reports of a few customers had not been signed and reviewed by the financial supervisor of the branch, and had been submitted to the supervisor of the branch for review.

Before the sale of specific wealth management products, the wealth management manager explains the product structure, risks, benefits and other related information to customers, so that customers can make choices on the basis of fully understanding the products. Customer information in financial product contracts, contracts and risk disclosure is complete.

Second, the data file preservation

Article 2 Self-inspection report on financial planning

Since the beginning of this year, the XX District Union of XX City has adhered to the principle of treating both the symptoms and root causes, focusing on the root cause, firmly grasping the three links of system, implementation and supervision, taking the annual activities of system implementation as the carrier, starting with the comprehensive construction of compliance risk management system, paying close attention to the five aspects, doing a good job in compliance management, supervising and inspecting the rectification of compliance management, further standardizing business behavior and preventing accident cases, which has effectively promoted the sound and rapid development of rural credit cooperatives under its jurisdiction. Our main approaches are as follows: First, we attach great importance to it and organize and lead it in place.

Since the beginning of the year, the leadership of the Associated Press has incorporated compliance management into the important agenda and annual target assessment, and has always made unremitting efforts as an important content of selecting the best.

First, a leading group for the year of system implementation, compliance operation and compliance operation management was set up, with the secretary of the Party Committee and the chairman as the leader, the secretary of the Disciplinary Committee and the chairman of the Board of Supervisors as the deputy heads, and the management team and department heads as members, responsible for the organization, inspection and supervision of the whole activity, and ensuring that the audit, supervision and security departments are specifically responsible for this work.

Second, the annual activities of system implementation, compliance operation and self-examination and self-correction implementation plan of compliance operation were formulated respectively, and the work steps, methods and requirements were clarified, which was targeted.

The third is to implement the responsibility system for top leaders. Credit union supervisors and credit union directors, credit union directors and employees signed XXX copies of self-examination and self-correction responsibility for compliance management. Association leaders and department heads should perform their duties according to the division of labor, earnestly perform their duties, set an example first, set an example, strive to be compliance leaders, and lay a foundation for deepening reform and promoting development.

Second, pay attention to compliance awareness education, training and learning in place.

In order to improve the compliance awareness of all employees, especially the new young employees, the First Association takes the institutional measures, financial professional ethics, laws and regulations and various cases introduced since the establishment of the Introspective Association as the learning and training contents, focusing on improving employees' familiarity with the basic system and strengthening their awareness of learning the law, understanding the rules, observing the discipline and observing the system. Second, according to the principle of unified planning and graded implementation, * * * organized XXX training courses during the year, of which more than 90% were front-line employees, so that everyone really realized the importance of giving priority to internal control and putting the system first, understood and became familiar with the key points of post internal control, and took the initiative to prevent and discover risks. Third, take the form of self-study, centralized study, decentralized study, post exchange study and interactive discussion study, and seriously study business books such as Business Process Compliance Operation Manual and Safety Work Theory and Practice. At the same time, combined with the actual case prevention and control, the warning education of typical cases will be integrated into the activities, the cases will be analyzed, the lessons will be summarized, and both the symptoms and the root causes will be addressed. The Supervision Department of the Associated Press collects relevant typical cases at any time, carefully analyzes the reasons, and regularly reports them in the form of documents, which enhances the pertinence of learning, and everyone writes learning notes and experiences, further deepening the understanding and re-understanding of the system. The fourth is to test the learning effect with incentive mechanism. 10 In mid-June, various credit cooperatives and associated associations recommended XX employees to select from bottom to top to carry out compliance knowledge competition. 165438+1organize XXX employees in the whole jurisdiction to take the system study exam of provincial association at the end of October. The assessment results are linked to the employee's target responsibility assessment and post employment in the coming year, and the pass rate reaches 99%.

The third is to strengthen basic management and implement post responsibility system.

Strengthening basic management and standardizing counter operation are eternal themes to improve work efficiency, reduce errors and prevent accidents. At the beginning of the year, in view of the serious shortage of frontline staff in some business outlets in our district, it was difficult to implement the rules and regulations. On the one hand, based on the principle of streamlining and high efficiency, according to the reform plan of employment system, and considering the business scale, service objects and business volume of the outlets under its jurisdiction, the Associated Press reasonably determines XXX posts and merges XX inefficient outlets; On the other hand, it faces the society and recruits talents. Open recruitment of XX college graduates as short-term contract workers, commissioned by the provincial association to recruit XX computer, law, financial audit and other professional and technical personnel. After pre-job training, all of them were enriched to front-line posts, which alleviated the contradiction between insufficient personnel and difficult implementation of internal control to a certain extent. Third, the Associated Press will set up a compliance risk management department or a compliance risk management post according to the requirements of the Guidelines for Compliance Risk Management of Commercial Banks, and formulate the responsibilities and post responsibilities of the compliance risk department. The fourth is to build a process bank. Led by the audit, supervision and security department, with the cooperation of finance, credit, personnel, office and other departments, the responsibilities of accounting, cashier, credit and other posts have been re-formulated. According to the requirements of a business, a manual, a process, a system and a post, the operation process of each business is refined to prevent illegal operations and effectively follow the rules.

Four, pay close attention to the implementation of the system, supervision and inspection in place.

Five, the establishment of accountability mechanism, accountability in place.

Starting with the establishment of an effective accountability and restraint mechanism for violations, we will restrict, criticize, correct and punish the units and employees who violate the rules and discipline, advocate a healthy atmosphere internally, put an end to violations and bad atmosphere, and will not tolerate people and things that violate the rules and morality and will not commit it again.

First, the responsibility system for the top leaders in accident cases and the post responsibility system are implemented layer by layer, and everyone signs the responsibility book for accident case prevention, clarifying their respective responsibilities and obligations.

The second is to establish a strict accident case responsibility identification procedure and reporting system, so that any case must be investigated, any case must be reported, any investigation must be asked and any responsibility must be investigated. Whether it is the problems found in the inspection or the problems reflected in the letter, on the basis of preliminary verification, if they meet the standards and conditions for filing, they should be filed in a timely manner and reported in a timely manner, and must not be concealed.

Article 3 Self-inspection report on financial planning

In order to further standardize and strengthen the management of financial funds for supporting agriculture and effectively improve the efficiency in the use of funds, according to the requirements of the Notice of the Municipal Bureau on Seriously Doing a Good Job in the Provincial Audit and Inspection of Special Agricultural Funds in Small Irrigation Counties, our county attaches great importance to it and cooperates closely with agricultural departments and related towns and villages. Since 20 12, the agriculture-related departments and project implementation units directly under the county have involved three agricultural projects: modern agricultural production development projects, small irrigation county construction, large irrigation district continuation and water-saving renovation. The relevant information is now reported as follows: 1. Management of fund use.

Since 20 12, our county has implemented three projects, namely, 20 12 project in Doushan irrigation area, 20 14 project in Doushan irrigation area and 20 14 project in small irrigation areas, with a total investment of 59 million yuan.

1, 20 12 of Doushan Irrigation District Extension and Water Saving Reconstruction Project. In 20 12, the provincial water resources department approved the project implementation plan with the document Lu Shui Nong Zi [20 12]47, with a total investment of 9130,000 yuan, including 3 million yuan from the central budget and 6130,000 yuan from cities and counties.

In June of 20 13, the county finance allocated 3 million yuan from the central budget, and in April of 20 13, the construction unit completed the bidding work. Due to the large funding gap and high relocation cost, the project is being gradually implemented.

2. 20 14 of the supporting and water-saving reconstruction project of Doushan irrigation area. 20 14,65438 in April, the provincial development and reform commission and the water resources department approved the 2014 annual implementation plan of supporting and water-saving renovation project in Doushan irrigation area with a total investment of 29.96 million yuan, of which the central budget invested/kloc-0. 20 14 In April, the Provincial Development and Reform Commission and the Water Resources Department issued the project investment plan in document [20 13]38 1, of which 130,000 yuan was in the central budget and150,000 yuan was in cities and counties. The provincial investment plan of 5 million yuan has not yet been issued. 2065438+The project and supervision bidding have been completed in February 2002, and the fund has reached130,000 yuan. At present, in accordance with the requirements of the construction procedures for the continuous construction of large irrigation areas and water-saving reconstruction projects, preparations are being made before construction.

3, 20 14 small-scale key county project of irrigation and water conservancy. The approved total investment is 199 1 10,000 yuan, including central province10.6 million yuan, city10.45 million yuan, county 25 1 10,000 yuan, and self-raised funds are 250,000 yuan. 20 12 February, our county has completed the project and supervision bidding, and all the financial funds have been put in place. At present, the project is being implemented in order to complete the task before April 20.

For the above-mentioned funds, we strictly follow the relevant provisions of fund management and implement centralized payment from the state treasury or county-level reimbursement system. At present, all three projects have been invited for bidding, and the 20 14 small-scale key county construction project has been organized and implemented. Up to now, the financial funds have reached 32.66 million yuan, and our county has allocated financial funds130,000 yuan.

Second, the status quo and existing problems of self-examination

After self-examination by business departments and relevant units, the above-mentioned funds have not been intercepted, misappropriated or illegally spent, and the accounting treatment is relatively standardized, and the reimbursement materials are complete, which meets the requirements of various fund management measures. Existing problems:

1, the progress of individual projects is slow, which makes it impossible to make reimbursement and withdrawal, resulting in the funds not being in place in time.

2. It is difficult to get the matching funds in full. The water-saving renovation project in irrigation area needs a large proportion of local financial support, but due to the financial difficulties in our county, the proportion of supporting funds for the project is low.

Third, the rectification measures

First, the existing problems have been notified to the relevant project units and responsible persons, and rectification and improvement have been made within a time limit to prevent similar problems from happening, so that the project funds can play their due benefits. The second is to deepen the construction of financial projects, increase fiscal revenue, arrange matching funds for projects on time and in full, and completely solve the problem of insufficient matching funds. At the same time, projects that need more matching funds will be implemented according to their own capabilities.