Building Compliance Culture in Commercial Banks_Discussing the Construction of Compliance Culture in Grassroots Commercial Banks

The so-called compliance is to use bank compliance management and professional methods to track the effectiveness of bank business operation inspections, business management evaluation, and bank risk management and control processes, to improve and help banks achieve risk control management and business operations. The process of developing goals. For grassroots commercial banks, the bank's rules and regulations, employee codes, codes of conduct, corporate culture, party style and integrity, penalties for violations, points management, behavioral investigation, ideological education, laws and regulations, etc. are all the focus of compliance work. Only when moral education, execution capabilities, compliance operations, supervision and management, and role models are in place can compliance be deeply rooted in people's hearts and compliance work can be done well. To this end, grassroots commercial banks must do the following work well.

1. Strengthen compliance awareness and strengthen moral education. "The way of thinking determines behavior and achievements." The concept and awareness of compliance must penetrate into the blood of employees across the bank, and penetrate into every position and every business operation link, so that all employees can follow the rules when carrying out business management work. Laws, rules and standards. The first is to strengthen the 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 individuals and groups, individuals and society, and individual and individual interests. The third is to strengthen conscious awareness. Guide employees to establish a correct outlook on life and values, consciously use various social norms to guide and check their own behavior, and keep themselves in line. The fourth is to strengthen collective consciousness. Guide each employee to cherish the collective honor, care about the collective's common interests, common goals, and common honors, and enhance the collective concept.

2. Develop good habits and improve execution capabilities. According to the reformed and developed management system and business situation, we should formulate as detailed business rules and regulations and operating procedures as possible, and establish an institutional system with the goal of improving execution capabilities. The first is to increase the enforcement of the system, guide employees to enhance their awareness of self-protection by using the system, and transform from "I want to implement the system" to "I want to implement the system", so that rules must be followed, violations of rules must be punished, and system constraints are formed. The second is to continuously innovate operating procedures and management systems, and must adhere to management methods that have been proven to be effective in practice; for those that are not suitable for the development requirements of the situation, a comprehensive inspection must be carried out in a timely manner, and compliance operating procedures, compliance manuals, and staff must be formulated. Compliance guidelines, such as codes of conduct, provide employees with guidance on the appropriate implementation of laws, rules and guidelines. The third is to cultivate good habits among employees, insist on handling every business in accordance with operating procedures, embed habitual compliance operations into various business activities, and make habitual compliance actions become habitual compliance operations. The fourth is to correctly handle the dialectical relationship between compliance operations and business development. Only with compliance operations can the business develop better and faster, innovate on the basis of compliance, and achieve higher quality and more benefits on an innovative platform. compliance.

3. Strengthen self-discipline and standardize compliance operations. "Compliance operations start with me." Compliance is not something that can be accomplished in a day, but violation can be a matter of a single thought. One is to take care of yourself. Self-esteem and self-love are the basis for employees to cultivate their self-reliance, resist corruption and change, and prevent risks. 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 responsible for the review and authorization business you handle and follow up to the end, which is a powerful means to effectively supervise the compliance of business processing between tellers. 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 employees’ voices, and establish a good communication platform between branches and families so that both parties can know what employees are doing inside and outside eight hours. Help employees in difficulty solve problems in a timely manner.

4. Improve performance appraisal and establish a supervision mechanism. Improve performance appraisal methods that emphasize both 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 finished once it is issued. Managers must frequently preach to employees and take the trouble to communicate, explain and remind them so that the system can be implemented. The fourth is to establish a rational suggestion system. By carrying out "rational suggestion activities", we guide them to put forward rational suggestions for improving business operations and preventing risks. Employees will naturally implement any suggestions they put forward that are taken seriously and used in practice.

5. Do a good job in model education and establish a role model. "The power of role models is endless." 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 always be spoken of verbally, and compliance must be reflected in behavior at all times, setting a good example of compliance management for the majority of employees. Only managers at all levels can raise their awareness and Only by attaching great importance to it can we ensure that all compliance operations are implemented in place, and only then can compliance operations play a role in bank operations. Second, case warning education is the most effective way to deter potential criminal behavior. By looking at various cases that have occurred, we can seize typical cases and regularly organize employees to learn case warning education, especially the sentencing of the case, the harm it brings to the family, and The intensity of handling people can achieve the purpose of always sounding the alarm and preventing trouble before it happens.

Compliance management is a major matter that is complicated and has a long way to go; it is a major matter related to the long-term interests of the bank; it is a major matter that can create value and enhance the image; it is a major matter that keeps pace with the times. A major matter of independent innovation. Only by ingraining compliance operations in everyone's mind can banks continue to develop rapidly and healthily.

(Author’s unit: CCB Yuncheng Branch)