The first article: a model essay on bank compliance
I have benefited a lot from studying the Compliance Management of the Head Office's # Video Conference and General Construction Letter [#] # # and General Construction Letter [#] # #. Now I report my learning experience as follows:
First, understand compliance and raise awareness. First of all, the sub-branch of our hospital held a special meeting for all staff, and made a comprehensive and serious study of the "# # video conference and general letter of construction [#] # #" and the general letter of construction [#] # # "issued by the municipal bank, and I also made a serious study of the relevant documents of compliance operation, especially the Compliance Manual.
Secondly, through learning, I corrected my previous misunderstanding of "emphasizing management and neglecting management". My colleagues and I have reached a consensus that minor violations will accumulate into serious compliance risks, seriously damage the operation of CCB and even lead to a crisis of survival. Strengthening compliance management can reduce the risk or penalty loss of violation, and also protect employees from making fewer mistakes and encourage employees to contribute value.
Finally, due to the strengthening of compliance management, it will eventually attract more high-quality customers to our company, expand the return value of customers, enhance the sustainable competitiveness of outlets and enhance the reputation of CCB.
Second, timely rectification, better late than never.
Through learning, I have a deeper understanding and understanding of my mistakes in the "# online banking incident". It happened at the end of # #. At that time, in order to complete the transaction volume of online banking, our unit mobilized all personnel in the whole unit, tried our best to do a good job in marketing the emerging business of online banking, and strived to complete the task indicators. I am a hard worker, so I work hard to promote my customers. However, due to the development of online banking at that time, customers' psychological acceptance of this emerging business is far from enough, and the year is approaching, which is far from the task index issued by the municipal bank. Therefore, all our employees are very anxious. Later, everyone heard that you can transfer money online for free, and there is no restriction (no one said it was illegal at that time), so everyone agreed to transfer the deposits in their accounts back and forth between two accounts (both of which are mine). At that time, I also thought that these were legal accounts, and money was also legal funds. If I transfer money online normally, I will not only be familiar with the online banking business, but also strive to complete the task indicators, so I also learned to make such transfers online several times. But in April this year, it was only after internal audit that it was known that this was a false online transaction. I didn't understand it then. Free deposit and voluntary withdrawal are our consistent principles. However, through this compliance study, I deeply felt my lack of awareness of compliance management and the great shortage of learning rules and regulations, and I was deeply annoyed by my ignorance and mistakes. Although there are not many transactions and the amount is not large, it has not caused any losses to CCB, but it is also a waste of network resources after all. But it also reflects my weak sense of compliance and ignorance of relevant laws and regulations. I will learn this lesson in the future, and I won't do this kind of behavior of "only focusing on the small family and harming everyone" again. I will work hard on compliance management, regard compliance and legality as the top priority of branch management, and strictly abide by the rules and regulations of CCB in my work. After the appeal, I also made serious rectification. First of all, I have thoroughly cleaned up my illegal accounts, carefully sorted out the accounts of all employees, relatives and friends of this unit, and cancelled the suspicious accounts with risks, so as to prevent the occurrence of such accounts in the future. Secondly, firmly establish the concept that everyone is responsible for compliance. Starting from me, from now on, employees will supervise each other and form the idea that compliance is reasonable, violation is harmful, and violation is guilty in the understanding of all employees. Finally, compliance management needs to establish a long-term mechanism. My staff and I will infiltrate the awareness of compliance management into our daily operations and every business, so that compliance and supervision can interact effectively. Cadres and employees will supervise each other, commend those who adhere to compliance, resolutely resist those who violate the rules and never set a precedent.
Third, compliance management has achieved initial results.
After correct understanding and rectification, our compliance work has made some gratifying achievements during this period. First of all, compliance management minimizes the mistakes and dereliction of duty that employees are prone to make in business operations and protects the enthusiasm of employees. Since the implementation of compliance requirements, the error rate of counter business in our unit has decreased by 62.5%, and some minor faults that are easy to be neglected have been obviously improved under the mutual supervision of employees. 5 cases of * * * * * * account opening were successfully intercepted, 35 cases of illegal deposit and withdrawal were refused, 43 cases of illegal business were handled, and 65 cases of * * * * were intercepted, with an amount of 4,865 yuan. Our company can no longer be seen in the early warning notice of cash inventory overrun. Although some customers didn't understand or even complain at the beginning of compliance management, it was finally recognized by customers. Compliance management creates value. We did a survey and asked our customers why there are many people in our unit, instead of going to other units with few people to do business. The answer is the same: "Your unit is more formal." When we do fund business promotion, we never promise our customers, let alone make misleading propaganda about how much and how much a foundation gets. On the contrary, we always gently remind customers to guard against risks. However, the fund sales of our unit have not decreased, on the contrary, they are still increasing. This should be a common saying: "Gold is valuable, but honesty is priceless". So I think CCB should follow the service principle of "gold is valuable, compliance is priceless". Because most customers don't like banks that often violate the rules or are punished, they will loyally choose banks with good service and security. Only compliant banks can enhance their sustainable competitiveness, which is the unremitting source of our bank's wealth income and surplus value, and can enhance our CCB's reputation and social status among customers.
The above is my superficial understanding of compliance learning. If there is anything wrong, please criticize and correct me.
Article 2:
Compliance risk is the primary compatibility of credit risk, moral risk and operational risk of credit cooperatives. Compliance is the inherent requirement of the steady operation of credit cooperatives. Most banks have taken two main measures to reduce irregularities. One is to reform the process and strengthen management, and the other is to establish a compliance culture for all employees, so that compliance behavior becomes the conscious action of all employees.
1. Compliance culture is a collective concept of honor and disgrace, which takes "compliance as pride and violation as shame". Its operating mechanism is to combine the reward and punishment emotions of the brain with obedience. That is to say, to tie up compliance with reward emotions, so that compliance will make people feel happy, which is called honor; At the same time, violation is tied to punishment, which makes people feel uncomfortable and people call it shame. What people advocate and spurn is the distribution of positive emotions and negative emotions. This combination of nature is the origin of culture. After human intervention, emotions are reunited with respected events, which is cultural construction.
Second, illegal operation and the reasons for illegal operation are related to the influence of traditional culture. The advantage of cultural construction is that once the culture is established, it is relatively stable, but the difficulty is that the compliance culture is facing the challenge of traditional culture. When the emotion of rewarding obedience encounters the emotion of rewarding affection and friendship, the former often loses to the latter, and when the best of both worlds is achieved, the violation will come quietly. Therefore, there are often conflicts between the construction of compliance culture and traditional culture. Environment is particularly important in the construction of compliance culture.
Three. Standardized governance structure is the "environmental soil" for the survival of compliance culture.
3. 1 The supervisor should create pressure on the operators. The best source of stress is real-time supervision within the organization.
3.2 The supervisor should be trusted as the caretaker. So how to prevent the supervisor from instructing his subordinates to violate the rules? The supervisor also needs an emotional support, that is, trust and sense of honor, which needs to be built with great trust. Only by giving the right of appointment letter to each level of appointment letter can we build great trust, stimulate trust and honor, and realize the responsibility of a representative. The mechanism of checks and balances is a working environment without trust or pressure, which is the main reason for disloyalty in reality.
3.3 The environment can stimulate people's emotions and abilities. The comprehensive quality of people is the key, and another key factor is the environment. People have this experience. When people come to a particularly beautiful, clean and standardized tourist attraction, they will consciously maintain it and not litter. At this time, it is not a person's quality that has improved immediately, but the emotions inspired by the environment have improved his spiritual realm.
Fourth, people can play different roles, because different emotions can be flexibly changed. Role theory tells us that it is impossible for a person to play two different roles in the same category, which is emotional lateral inhibition. Otherwise, it will lead to role conflict and role ambiguity. For supervisors, the soil environment for cultivating compliance culture is to create a single night watchman function, accept the trust of superiors, and experience at the peak so that they can be as desperate as a rescue team; For grass-roots staff, the real-time supervision by internal supervisors is equivalent to the permanent presence of superior leaders, and the pressure is constant. Only a standardized governance structure can resist the resurgence of traditional culture and improve the living conditions required for compliance culture. Therefore, the important link to establish the compliance culture of all bank credit cooperatives is to improve the compliance "soil environment".
Article 3:
Recently, the Head Office organized a large-scale discussion on the construction of compliance culture throughout the Bank, constantly enhancing employees' compliance concept, awareness of compliance and awareness of compliance management. Through this learning activity, I learned the following experiences:
1. Compliance construction must have a perfect management system and be based on the continuous construction of the normal mechanism of publicity and education of compliance culture. It is necessary to find out the outstanding problems in compliance management and compliance culture construction of the whole bank, and conduct in-depth discussions from the aspects of education, system, implementation, supervision, rectification, rewards and punishments. To promote the in-depth popularization and rooting of compliance culture and ensure the rapid and healthy development of various businesses of the Bank. Compliance construction is not only for ABC, but also for others and themselves. "Compliance is a serious love and a responsible love for everyone."
Second, efforts should be made to solve problems such as inadequate ideological understanding, inadequate system implementation, inadequate supervision and inspection, replacing management with trust, replacing principles with feelings, accepting compliance constraints and forming compliance habits, so as to promote the promotion of compliance culture to take root.
No matter what you do to publicize the successful practice of compliance culture, you can get twice the result with half the effort as long as you aim at the goal, grasp it carefully and do it seriously. Compliance is like a traffic light. If you obey it, it will protect you. Many people feel that when it comes to compliance, they feel constrained, their business is not doing well, and their development is also affected. When they accept compliance management, there will always be some resistance consciously or unconsciously. However, it should be clear that "compliance culture is the foundation of our business and operation", and compliance and business development are not contradictory, let alone antagonistic. Compliance is like a traffic light, maintaining the order of business development and shouldering the responsibility and mission of escorting business management.
There are many real people around us, and all kinds of cases reflect the importance of compliance construction. Ten small violations may cause a big flight failure, a hundred big failures may brew into a taxi accident, and ten big flight accidents may cause an air crash. This requires us to control risks from the root causes, put an end to illegal operations, and leave no opportunity for "accidents". Only in this way can we ensure the sound and rapid development of our cause on the road of compliance. We should often participate in some activities of "learning internal control system and creating compliance culture", and truly integrate compliance culture into the daily behavior of employees and into specific business activities, thus laying a solid compliance foundation for the sound and rapid development of the whole bank's business. The cultural construction of "Four Compliance" is a very arduous and significant systematic project. All of us must make persistent efforts, combine the ideas and methods of daily business work, promote the innovation of annual activities, carry out the work of compliance culture construction in depth, and provide strong compliance culture support for building excellent large listed banks!