Three bank compliance self-inspection reports

# Report # Introduction Self-inspection report is a report style that a unit or department conducts self-inspection on the problems existing in the implementation of a certain work in a certain period of time. The following is an unorganized bank compliance self-inspection report, welcome to read!

Article 1 Bank Compliance Self-inspection Report

In the construction of compliance culture, the Bank has always adhered to the principle of "system is the guarantee, system is the foundation, and culture is the foundation", taken various measures simultaneously, blossomed in many ways, and made some plans in compliance management, initially achieving a good situation in which compliance culture construction and operation management go hand in hand. In ×× years, the development of the bank's main business reached a record high, and all kinds of RMB deposits, intermediary business income, profit before provision, collection and disposal of entrusted assets exceeded the task plan issued by the superior bank. The stock and increment of deposits, the stock and increment of loans and the inter-bank market share of intermediary business income all rank first among the four banks, and there have been no economic criminal cases, serious violations of discipline and liability accidents in the past three years. Our main methods are as follows: 1. Advocating compliance through publicity and mobilization.

In order to unify employees' ideological understanding, clarify the importance of "cultivating compliance culture" and establish the cultural concept of "compliance in words and deeds, operation, operation and management", the Bank held the kick-off meeting of compliance culture construction activities of Agricultural Bank of China on, and established the leading group for compliance culture construction, which was specifically responsible for the leadership, organization, guidance, supervision and inspection of this activity, laying a solid foundation for the solid development of compliance culture activities.

Second, strengthen the compliance of pedagogy.

The construction of compliance culture is a systematic project and must follow the path of "behavior-habit-culture". To this end, the bank has formulated and implemented strict study plans and implementation measures, and the Agricultural Bank of the city has unified the centralized study system on Thursday. The Bank specially organized employees to compile "Strengthening Compliance Awareness and Farewell to Illegal Operation —— System Compilation and Case Warning Record of Preventing Cases and Behavioral Norms", and carefully compiled more than 6,000 sets of "Staff Reader's Book of Execution Enhancement Plan", which were distributed in three series: "Strengthening Compliance Awareness and Farewell to Illegal Operation", "Consciously Abiding by Rules and Keeping Away from Illegal Crimes" and "Improving Service Level and Establishing a Good Image".

In order to enhance the influence and deterrence of rules and regulations, the bank also specially dispatched six business backbones to form a rules and regulations propaganda group, and spent more than 1 month touring branches, focusing on the business risks such as employee code of conduct, case prevention and investigation, illegal points management, account settlement, credit management and collection management. The propaganda group went deep into each branch and used the evening time to preach, ensuring that each branch preached at least once, and achieved good publicity results.

Third, improve the process to ensure compliance.

Banks are not only enterprises that manage money, but also enterprises that manage risks. Operational compliance and risk control are one of the important contents of compliance culture construction. Taking the improvement and optimization of operational procedures as the starting point and the end result, the Bank effectively strengthened the construction of internal control and compliance system. Since the implementation of compliance culture construction activities, the Bank has actively searched for problems such as the current system construction is not suitable for corporate governance requirements, inconsistent with the requirements of the company's articles of association, poor connection, mutual conflict, overlapping and duplication, unclear functions and excessive control. We have successively formulated and improved the Administrative Measures for the Appointment of Accounting Supervisors in County Branches (for Trial Implementation), the Administrative Measures for Off-Bank Self-Service Equipment in Urban Areas (for Trial Implementation), the Assessment Measures for Operation Supervisors in XX Business Places (for Trial Implementation), the Assessment Measures for Centralized Management of Accounting Supervisors, the Assessment Measures for Resident Risk Compliance Managers (for Trial Implementation) and the Detailed Rules for the Classified Management of Farmers' Small Loan Customers. At the same time, we regularly collect and sort out cabinets. Only the operation management line issued a number of "Q&A", which was highly targeted and operational, and better controlled the operational risks of the business.

Four. Promoting compliance through activities

It is easy to build a compliance culture by doing one thing at a time and one month a year, but it is very difficult to do everything all the time for many years. The Bank promotes the construction of compliance culture through various activities, and carries out different forms of compliance culture education activities every year, such as knowledge contests, essay contests, knowledge forums, speech contests, etc. To enhance the durability of compliance culture construction. The city branch has successively held an essay-writing activity on "Talking about Compliance Culture", a knowledge contest on "Staff Code of Conduct and Management of Violation Points", a calligraphy and photography exhibition on "Celebrating the National Day, Promoting Honesty, Creating a New Style and Promoting Harmony", and various branches have also successively carried out different forms of activities to promote the construction of compliance culture. For example, the XX branch organized the staff to take an oath to sign and strive to be employees of the Agricultural Bank of China operating according to law, and the XX branch carried out it. ".

Verb (short for verb) Supervision and inspection contribute to compliance.

On the one hand, actively build the first line of defense with operation supervisor and accounting supervisor as the main body, improve the second line of defense with afterwards supervisor and accounting supervisor as the main body, consolidate the third line of defense with discipline inspection and supervision, internal control compliance and risk management as the main body, focus on strengthening the post management of accounting supervisor, risk compliance manager and accounting supervisor, and give full play to their "gendarmerie" role in compliance management. On the other hand, focus on one theme every year and one key point every quarter, and strengthen supervision and inspection, problem rectification, risk early warning and accountability. In only ×× years, we organized and carried out various inspection items such as cash business management, personal account fund verification, overall handover inspection, accounting internal control inspection, library "Flying Team" surprise inspection, line department due diligence inspection, and rolling normalization case risk investigation, and found ×× problems involving an amount of ×× 100 million yuan. Since ×× years, disciplinary action has been taken against those who violate the rules or the relevant responsible persons, which has played the role of "punishing one and teaching one".

Article 2 Self-inspection report on bank compliance

In order to standardize business operations, strengthen risk management, enhance the awareness of compliance management of all staff, reduce the potential risks of cases and ensure safe and stable operation. I conducted a strict and standardized self-examination operation. First, according to the requirements of the system, reshape the system process, carefully sort out the system, knowledge, skills and professional ethics that rural credit cooperatives should know, know, do and follow in their posts, and organize the documents of learning posts and grassroots business outlets.

Second, do a good job in self-inspection and rectification and self-inspection of counter business operations. Conduct risk investigation on the operation process and each link of counter business. Check the use and management of cash on hand, important blank vouchers, seals and valuable documents, the management of stock funds, anti-money laundering and so on; Check the compliance of internal and external reconciliation, account opening, large-sum fund business, loss reporting and early withdrawal, find out the reasons for existing problems, correct and rectify them, so that each teller can handle business in strict accordance with the provisions of various business operation procedures, improve work quality, prevent and control operational risks, and eliminate potential risks. At the same time, on this basis, we have all made. Conduct a true and comprehensive self-examination of all the details of the work, report the self-examination report on time, accurately and timely reflect the problems found in the self-examination, and actively cooperate with the inspection team to ensure that similar problems will not happen again.

Self-inspection service image. Xinji County Rural Credit Union established a new image according to the dress code, conducted a self-examination on the tellers' dress and smiling service, and publicized the tip-off telephone number of the county credit union and its director in a prominent position in the business hall, prompting employees to change their service attitude, enhance their service image, effectively improve their professional quality and service level, and truly operate in compliance and share risks. Prevention, Harmony and Win-Win Through comprehensive inventory, accurate discovery of problems, overall consideration and comprehensive management, a supervision and restraint mechanism with mutual constraints and clear rights and responsibilities is formed to ensure the standardized, healthy and sustainable development of Leather City Branch.

Third, strengthen learning and improve the ability of risk prevention and control. In order to prevent the activity from going through the motions and let every teller actively participate in the activity in a good mental state, we should concentrate on studying various document systems, take study notes and improve our understanding of risk prevention and control. At the same time, improving the quality of employees is regarded as a basic point of our work, and the learning contents include modern payment business operating rules and anti-money laundering operating rules, which greatly improves our practical operation ability as a front-line teller. According to the overall goal of creating value by compliance, preventing and controlling risks by compliance and ensuring compliance development, all employees should take measures from all aspects such as dress, work style, attendance, quality service and work efficiency to establish a new image of credit cooperatives, make full preparations for promoting case risk prevention and control, gradually establish a long-term mechanism for case prevention and control, and accelerate the construction of a comprehensive, accurate and effective risk management system.

Fourth, rectification measures and future work ideas. In the future, I will continue to strengthen political and ideological education, carry out in-depth and lasting activities of the year of compliance culture construction, run the work of compliance culture construction through the whole process of business operation, increase the punishment for those responsible for violations, severely investigate and punish those who violate the rules, create a clean, honest, civilized and healthy learning and living environment, and further prevent business risks.

(1) Strengthen learning and continuously deepen the construction of compliance culture, so that employees in the whole society can be more clear about the work objectives, specific contents and requirements of the annual activities of compliance culture construction, and regularly concentrate on learning SC6000 system business risk points, business process compliance operation manuals, credit management documents and other rules, regulations and business skills. Ensure that you are more familiar with various business operation processes, ensure that the annual activities of compliance culture construction are implemented in people, posts and places, and ensure that you firmly establish the concept of giving priority to internal control and prudent management in your mind, so as to effectively prevent internal business risks of our company.

(2) Strengthen the education on their own financial policies, legal systems, financial discipline and professional ethics, standardize employees' words and deeds, strengthen the irregular investigation of nine categories of people, and have regular heart-to-heart talks with people in important positions and nine categories, establish a correct world outlook, outlook on life and values, raise employees' awareness of preventing business risks, raise their awareness of compliance management, eliminate paralyzed thoughts, and let everyone truly realize the importance of compliance in creating value and ensuring development.

(III) Actively participate in the discussion on the prevention and control of operational risks of employees in the whole society, express opinions on the prevention and control of operational risks, and further improve employees' awareness and ability of risk prevention through discussion.

(4) Under the guidance of Scientific Outlook on Development, establish a correct guiding ideology for business operation, and organize and inspect the internal control system, financial accounts, comprehensive business, credit management, security and other work of cooperatives in strict accordance with the relevant provisions of cooperatives.

Article 3 Self-inspection report on bank compliance

According to the Notice of xx Letter [20xx] No.257 on Conscientiously Implementing the Implementation Plan for Investigation of Employees' Bad Behavior in XX Branch, the self-examination situation is as follows: (1) Ideological and moral aspects:

1. In daily work, there are no mistakes, untimely task completion, perfunctory, prevarication and other behaviors. , the sense of responsibility is not strong, the style is not solid;

2. There are no behaviors such as being late, absenteeism and leaving early. Failing to observe labor discipline, feeling depressed and working negatively;

3. There is no behavior of often not participating in collective activities such as political study and business study without reason;

4. Don't take advantage of work to accept customers' red envelopes and handling fees, ask for property or borrow communication equipment and means of transportation, reimburse various expenses and seek personal gain;

(2) Daily life behavior:

1, not frequenting dance halls, hotels, entertainment places, etc. And consumption is seriously inconsistent with legal income;

2. There is no gambling in disguised form, such as playing cards, mahjong, gambling or playing video games. Not suspected of "pornography, drugs, black" and other illegal and disciplinary acts;

3. There is no long-term default on loans, non-repayment of loans, malicious overdraft of credit cards, frequent borrowing from people, etc.;

4, not engaged in a second job or business, or use the convenience of work to help relatives and friends do business; No paging during working hours, constant phone calls, and no contact with socially undesirable people; Do not often buy and sell stocks and futures or participate in pyramid schemes during working hours;

5. There is no behavior that causes great emotional fluctuation due to major family changes; There is no behavior of often staying out late at night or staying out at night.

(3) Business management:

1, without seriously conveying and studying the financial rules and regulations and the spirit of superiors, and clarifying the responsibilities of each business operation post of the unit or department;

2. Failing to take effective measures in time to solve loopholes in business work and solve problems that need to be solved in time;

3. Is there any violation of discipline or failure to stop, report and handle business accidents in time?

4. There is no act of handling business beyond authority, and there is no case where the person in charge of a branch or department handles business in violation of laws and regulations;

5. There is no case that the person in charge of the accounting department, the competent president and the president do not insist on counting all the cash in the tail box every ten days, every month and every quarter;

6. There is no rotation of important posts that are not arranged according to regulations.

(4) Commercial operation:

1. There is no account, account and account discrepancy caused by non-compliance; Without the audit or authorization of the accounting supervisor, the account entry, exchange and electronic remittance are not handled without authorization;

2. There is no phenomenon of forging, altering or tampering with vouchers to transfer funds and concealing or intentionally destroying accounting vouchers;

3, no single door-to-door payment, currency delivery in violation of the provisions of the procedures for door-to-door payment business and handle business and important documents such as seal cards; Strictly implement the repeated counting of trunk cash at the end of daily business or all cases that are not registered or signed after counting;

4. There is no unauthorized use of inventory funds to advance other funds or IOUs to arrive at the warehouse. Steal the refresh card when you don't accept or pay, and hide the phenomenon of not reporting the cashier's long money; There is no act of keeping customers' passbooks (bills), bank cards and passwords without authorization, instead of withdrawing money from depositors;

5. Units and individuals are not allowed to withdraw cash beyond the limit or withdraw cash in large amounts without approval; The account opening review is not strict, and the personal savings account opening procedures are handled in violation of the provisions of real-name registration system for personal deposits, and public funds are kept privately;

6. There is no phenomenon of stealing customers' funds without handling the loss reporting procedures for customers as required; There is no unauthorized or false issuance of deposit certificates such as certificates of deposit, certificate-based treasury bonds and personal deposit certificates;

7. Failing to intentionally conceal and cover up the true credit information of the borrower and providing false pre-loan investigation report;

8. There is no printing beyond the authority and scope, and there is no printing without approval or incomplete approval procedures; There is no act of using the letter of introduction of the unit for others without permission;

9. Do not disclose the escort route to others without permission;

10, all business authorization cases are handled according to regulations; There is no phenomenon of mixed post operation;

1 1. There is no intentional illegal operation, no rules and regulations, no signs of risk and no unsafe factors.