How to improve the ability of case prevention and control in grass-roots institutions of commercial banks

As an important part of the operation and management of commercial banks, the case prevention work of grass-roots institutions is directly related to the steady and sustainable development of commercial banks. With the increasingly fierce competition and risks everywhere in the banking industry, how to improve the case prevention and control ability of grass-roots institutions has become one of the key problems that banks need to solve urgently. First, strengthen the education and training of employees, continue to do a good job in the education and training of employees, continuously improve the overall quality of employees, and create a compliance culture is the premise and foundation for improving the case prevention and control ability of grassroots institutions. First of all, do a good job in ideological, political and moral education for employees. Through learning theoretical knowledge, explaining typical cases, inviting prisoners to express their opinions and other educational activities. Every employee can deeply reflect, learn lessons, firmly establish a correct outlook on life and values, enhance their sense of love and dedication, build an uprising dike from the depths of their minds, subjectively resist and expose various cases and risky behaviors, and really make employees unwilling to violate the rules. Secondly, carry out corporate culture education activities. By studying the bank's wishes, core values, mission, ideas and corporate responsibilities, the corporate culture will be infiltrated into the working environment and behavior of employees, so that each employee can better understand and recognize his own bank, thus constantly improving his sense of belonging and ownership, and making employees not want to violate the rules. Finally, strengthen the study of rules and regulations. In the form of morning meetings and regular meetings, employees are organized to study the Provisions on Honesty of Banking Practitioners to ensure that there are no dead ends and blind spots, so that every employee can grasp the "bottom line" of business, enhance the awareness of risk prevention, and create a good atmosphere of "everyone stresses compliance and everything stresses honesty". Through education and training, the concept of case prevention and control is rooted in every employee's heart, running through every link of business operation, becoming a realistic and vivid corporate culture, internalizing the consciousness and behavior habits of all employees, and truly curbing the occurrence of risks from the source. The second is to strengthen the implementation of grass-roots institutions. As an executive unit, the problems in risk prevention management of grass-roots institutions are ultimately the problems of execution. Therefore, it is necessary to strengthen the construction of executive power and truly implement the case prevention and control work of grass-roots institutions. First of all, the prevention and control of cases should be included in the monthly, quarterly and annual assessment of leaders, requiring grass-roots managers not only to grasp business development, but also to grasp the construction of execution. Managers should not only have the ability to instill ideas into every employee, but also set an example, meticulously implement the rules and regulations and compliance requirements formulated by superiors, give full play to the role of front-line "commanders" and "combatants" of managers, and influence and stimulate the enthusiasm of employees to improve their execution. Secondly, always maintain the high-pressure situation of case prevention work. It is necessary to improve post management, implement case prevention responsibilities, sign case prevention responsibility letters with employees on a regular basis, and decompose case prevention tasks and requirements into every post and everyone, so that everyone can become the key person and the first person responsible for case prevention. The third is to strengthen incentives and constraints and strictly investigate responsibilities. Establish a "result and process assessment" mechanism, set up a special fund for case prevention for good practices, and reward employees who actively expose risks and resist violations. Seriously deal with responsible personnel and inspectors who fail to perform their duties, and effectively prevent cases and major illegal acts. Finally, do a good job in problem rectification. The problems found in the inspection can't just stay at the level of exposing the problems, but should be continuously paid attention to and inspected to completely solve the problems. Third, establishing and improving the supervision and management mechanism is the key to promoting the continuous improvement of case prevention and control ability, and it is also the premise to promote the sustained and healthy development of grassroots institutions. First of all, integrate the supervision and management levels of grass-roots banks, build a supervision platform with appointed accounting supervisor, risk manager and discipline inspection and supervision commissioner as the main body, give full play to the role of "three lines of defense", earnestly perform post responsibilities, make full use of human and computer monitoring means such as business inspection, accounting audit and counter monitoring, and strengthen continuous and key monitoring and inspection of key risk points, parts prone to violations and risk points with high frequency in grass-roots institutions. Secondly, increase the frequency and intensity of supervision and inspection, and formulate various prevention and control measures in a targeted manner. For the problems of correcting models and key risk points, the combination of regular inspection and irregular inspection is adopted, and for general risk points, the regular inspection is adopted, and the checked problems are compiled into a book for employees to learn. Finally, establish a case prevention and control suggestion center. Risk cases found by employees in their daily work and some process loopholes that may lead to risks can be reflected to the case prevention and control suggestion center, so that every employee can become a case prevention and control supervisor. The fourth is to improve the ability of case risk identification. Case risk identification is the most effective way to control things. The improvement of identification ability can accurately find potential risks and eliminate them in time. First of all, while studying various businesses and rules and regulations, some key nodes in business operation, especially risk nodes, are compiled into a book, and cases that may be found or have occurred at this node are listed for employees to learn. Secondly, organize employees to discuss business processes and let employees explore potential risk points themselves to enhance their ability to predict risks. Third, make full use of auditing, accounting, operation management and other related systems, strengthen the dynamic monitoring of case risks, and realize real-time monitoring of large funds (more than 500,000 yuan for a single account) entering and leaving on the same day, self-operated by tellers, and customer funds flowing into employees' personal accounts. Finally, with the help of the higher-level bank's case prevention and control trends, risk tips, typical case reports, internal information websites and other platforms, employees were organized to study and discuss the modus operandi identification and prevention of typical cases in a timely manner, and in-depth analysis was made in combination with the violations of the institution to improve the ability to identify various risks, so as to make inferences and fill gaps. In short, as a high-risk industry, the prevention and control of bank cases is a long-term and arduous task. Grasping the prevention and control of cases requires great attention from grassroots organizations. Through education, training, supervision and management, we will effectively implement the risk prevention and control of cases and escort the business development.