Excerpts from bank internal control and compliance experience
Compliance management is an inherent requirement for the steady operation of banks, a duty that every employee must perform, and a powerful weapon to protect their own vital interests. Through the study of the internal control system of the whole bank, I have a deeper understanding of compliance. In the compliance cases I study every month, I deeply realize the importance of bank compliance. Every case deeply alerts us, strictly abides by compliance, and starts with me. The quality and benefit that banks depend on come from operating according to law, from every link that produces quality and benefit, and from every employee in every position. The development of banks must be based on legal and compliant operations and prevent risks from the source. Strengthening the awareness of compliance operation is not an empty talk. Sometimes I always feel that some rules and regulations are binding the handling of business and restricting the development of business. Think carefully, in fact, the establishment of various rules and regulations is not the product of imagination, but the summary of many practical work experiences and lessons. Only by following various rules and regulations can we protect the rights and interests of ourselves and our customers. Compliance is not a day's work, and violation may be a matter of thought. So mind your own business. Insist on handling every business according to the operation rules, and implement the habitual compliance operation in all business activities in job embeddedness, so as to make the habitual compliance action become habitual compliance operation.
There are many real people around us. Many people think that when it comes to compliance, they are bound, feel that business is not good and development is also affected. When they accept compliance management, they will always unconsciously have some resistance, but we must understand that compliance and business development are not contradictory, let alone antagonistic. Ten minor violations may lead to major accidents, which requires us to control risks from the root causes, put an end to illegal operations, and truly integrate compliance culture into employees.
"Compliance management" is the principle that we should always adhere to. Through this study, I have established the concept that everyone is responsible for compliance and start from me. As an ordinary employee, especially for our front-line retail employees, it is not only this time to learn, but also a lot to learn in future work. Continue to study deeply, and compliance cannot be achieved overnight. It is necessary to truly implement compliance management in daily work, consciously abide by compliance management, standardize operations, start from each specific business, and develop good work habits in a down-to-earth manner.
Article 2 Excerpts from banks' internal control and compliance experience
Judging from the economic cases in the financial system in recent years, the "ten cases and nine violations" have rules to follow, illegal operation, poor inspection and poor supervision are the important roots. Numerous cases, accidents and lessons reflect that there are still some loopholes in internal control management. It is the imperfection of the system that leads some people to take advantage of loopholes, thus causing the loss of state funds. Compliance management is an inherent requirement for the steady operation of banks, a duty that every employee must perform, and a powerful weapon to protect their own vital interests. Through the study of internal control system carried out by the whole bank, we have a deeper understanding of compliance. As a member of Lingcheng Rong Yuan Rural Bank, I deeply understand the importance of compliance. Now talk about your own experience in this research:
Compliance management is the need to guard against operational risks of commercial banks. Compliance management is the need to standardize business practices, curb violations and prevent cases, comprehensively guard against risks and improve management level. It can create value for banks, and effective compliance management can eliminate compliance risks invisibly.
Compliance management is the need for commercial banks to improve their systems. The quality and benefit that banks depend on come from operating according to law, from every link that produces quality and benefit, and from every employee in every position. The development of banks must be based on legal and compliant operations and prevent risks from the source.
Compliance management is an important guarantee for banks to achieve their development goals. Compliance management is to protect business and serve to better promote business development. In the process of development, business expansion and peer competition, only by adhering to the concept of compliance management and improving management quality can we ensure the durability of banking business.
Strengthening the awareness of compliance operation is not an empty talk. Sometimes I always feel that some rules and regulations are binding the handling of business and restricting the development of business. Think carefully, in fact, the establishment of various rules and regulations is not the product of imagination, but the summary of many practical work experiences and lessons. Only by following various rules and regulations can we protect the rights and interests of ourselves and our customers.
We should learn lessons, constantly improve various rules and regulations, take internal control management as the premise of risk prevention, conscientiously implement the provisions of the case prevention responsibility system, promote the strengthening and improvement of the internal control mechanism, strive to develop business under the premise of standardization, and strengthen standardized management while developing business to ensure that all business processes and rules and regulations are within the scope of constraints.
Article 3 Excerpts from banks' internal control and compliance experience
In accordance with the spirit of the theme education activity of "Everyone follows the rules and rectifies the whole bank", and with the propaganda, organization and mobilization of relevant branches, I seriously and deeply participated in the learning activity of "Follow the rules and rectify the whole bank". Through this theme education activity, I further improved my awareness of risk prevention, strengthened the concept of compliance management, and made clear my job responsibilities and the significance and importance of this theme education activity. I have carefully studied the document "Notice on Launching Special Education Activities on Legal Compliance in the Bank and Implementing Case Prevention and Rectification Plan in the Provincial Bank". Through the study, I further realized the importance and urgency of compliance with laws and regulations to the operation and management of the Bank, and deeply realized the harmfulness of illegal operation and high incidence of cases. The "Guanghua" case in the South China Sea, the off-balance-sheet operation case of Shunde Sub-branch and the case notified by the provincial bank last year once again sounded the alarm for us. This year's report on the case by the branch made me more aware of the grim situation faced by the current internal control management. As a manager, I know that operating according to law is the basic principle of modern commercial banks' operation and management, and it is also the guarantee of adhering to the correct operation direction, and it is also the fundamental place for financial enterprises to develop themselves and prevent financial risks. Therefore, in the management work, we must do the following work to ensure the healthy and rapid development of our work.
First, improve the ideological quality of employees and enhance their concept of operating according to law.
Strengthening the study of employees' laws, regulations and rules and ideological education is an important means to eliminate violations from the source. Strengthen the risk prevention education for bank employees, so that everyone can realize the complexity of society and the universality of bank operation risks, realize that banks themselves are high-risk industries, and must put risk prevention first. Copyright statement: The learning experience of legal and compliance construction was originally published by China Talent Guide Network. Author: Zhou Haoen, a branch of Jidong. Unauthorized use for commercial purposes is prohibited. Please indicate the source. Start from one's post every day, consciously abide by various rules and regulations, consciously resist all kinds of violations of discipline and rules and regulations, eradicate trust instead of management and habit instead of discipline, regard system as life, correct violations as mine clearance, enhance risk prevention awareness and self-protection awareness, improve standardized operation, and eliminate cases from the source.
The second is to establish and improve various rules and regulations and strengthen internal control management.
Judging from the economic cases in the financial system in recent years, the "ten cases and nine violations" have rules to follow, illegal operation, poor inspection and poor supervision are the important roots. Numerous cases, accidents and lessons reflect that there are still some loopholes in internal control management. It is the imperfection of the system that leads some people to take advantage of loopholes, thus causing the loss of state funds. We should learn lessons, constantly improve various rules and regulations, take internal control management as the premise of risk prevention, conscientiously implement the provisions of the case prevention responsibility system, promote the strengthening and improvement of the internal control mechanism, strive to develop business under the premise of standardization, and strengthen standardized management while developing business to ensure that all business processes and rules and regulations are within the scope of constraints.
Article 4 Excerpts from internal control and compliance experience of banks
"Details determine success or failure, details determine survival", which is particularly important for the high-risk financial industry. As the old saying goes, "A levee of a thousand miles will collapse in an ant's nest". From the management of an account by a grass-roots trader in Bahrain Bank to the collapse of Dragon Bank with a history of more than 200 years, every little detail of bank relaxation may become an "ant nest" for the "solid levee" to collapse. In the critical period of the accelerated development of the Agricultural Development Bank, it is very realistic and necessary to carry out the activities of compliance management year for enhancing the awareness of compliance management of the Agricultural Development Bank, cultivating a good compliance culture, promoting the healthy growth of the Agricultural Development Bank and improving the ability to prevent and control financial risks. Through this serious study, I have learned a lot, and now I will report my personal learning experience as follows: First, study hard, improve my ideological quality, and enhance my concept of operating according to law and compliance.
We should strengthen the study of laws, regulations and rules and improve our ideological quality, which is an important means to put an end to violations from the source. By strengthening the study of risk prevention knowledge, bank employees can realize the complexity of society and the universality of bank operation risks, and realize that banks themselves are high-risk industries and must put risk prevention in the first place. Start from your post every day, consciously abide by various rules and regulations, and consciously resist all kinds of violations of discipline and rules and regulations. It is necessary to eradicate the disadvantages of replacing management with trust, system with habit and discipline with family, regard system as life, correct illegal behaviors such as mine clearance, enhance the awareness of risk prevention and self-protection, standardize operations, and prevent cases from happening at the source.
The second is to strictly manage the bank, strengthen internal control, and integrate detail management into the construction of long-term mechanism.
Grasp the four key points of "prevention, investigation, construction and correction", establish four mechanisms and realize four transformations.
1 to "prevent". Establish a group prevention and treatment mechanism. Change from post-investigation to pre-prevention It is necessary to mobilize all staff to participate in joint management, effectively improve the consciousness of employees in the whole bank to operate in compliance with laws and regulations, enhance their execution, strictly implement the internal control system, and prevent irregular operation, unclear responsibilities, unclear authorization, and reverse process operation.
2, to "check". Establish a long-term mechanism for supervision and inspection. From centralized inspection to institutionalization and regularization. Audit and other relevant inspection departments should pay attention to practical results, improve the application of scientific and technological means in inspection, combine key inspections with spot checks, combine on-site inspections with collection and monitoring, verify, discover and identify violations, and check that we can't fish for three days and dry the net for two days, but we should always make unremitting efforts. The department under investigation should strengthen the review of post supervision and the matter, so that the "investigation" can be implemented in every business.
3. Be "made". Establish a mechanism to update the system in time. Change passive prevention into active plugging, make full use of inspection results, plan ahead, timely check leaks and fill gaps, and timely plug loopholes. When formulating relevant systems, personnel with certain practical experience should participate, and the introduced system should be easy to operate, check and evaluate. It is necessary to speed up the flat reform of institutions, effectively solve the multi-head management of grass-roots institutions, and make the system implementation "poke to the end".
4. Be "correct". Implement territorial, territorial and ownership management. Violations must be corrected. When a problem is found, it must not be "never again", and the direct manager and the responsible person should be held accountable. Through the comprehensive application of various means, such as strengthening education, strengthening inspection, correcting errors in time, and strict accountability, we can cultivate employees' awareness of compliance management, build a systematic project of compliance culture, and create a good internal environment for business development.
Third, face up to the problems and build a financial compliance management system.
Agricultural Development Bank has been established for almost 20 years, and has gradually formed its own management mode and characteristics. However, there is still a considerable gap from the requirements of modern commercial banks.
1, weak risk awareness. Operating a bank is operating risk, and any financial business has risks. Only by adopting the methods of identification, measurement, monitoring and control can risks be effectively avoided.
2. Non-compliance is serious. At present, the most common problems and cases of agricultural development bank are the problems and hidden dangers in the front desk operation.
3. First-and second-line risk prevention is a mere formality. The inspection is sloppy and the responsibility is not true.
It is not enough to just correct the problems found. In view of these gaps, we should take active countermeasures and measures. First, establish a compliance risk prevention and control system for each line. All departments and business lines should have clear operational procedures, risk warnings and corresponding measures and methods. The second is to establish a "three-five line" compliance prevention and control system. One is the self-inspection of front and back office business operations, and timely rectification of the responsibility system; The second is the system of supervising, inspecting, guiding and helping business departments to promote the rectification of front and back office business; The third is to further improve the performance system of full-time inspection departments; The third is to strengthen the assessment of compliance risk prevention and control. Bind responsibility, right and benefit together, and implement "double-line" accountability for business lines and management lines; Fourth, banks and enterprises work closely together. According to the relevant laws and regulations of the state, the principle that whoever benefits should bear the responsibility, both banks and enterprises should bear the management responsibility, not just a certain responsibility, which can neither weaken the management function, but also implement the inspectors to provide strong support and guarantee for the inspection. In this way, the business of the Agricultural Development Bank will gradually embark on the track of standardization.
Through this year's compliance management, I have established the concepts of "Everyone is responsible for compliance", "Compliance starts with me", "Compliance creates value" and "Compliance promotes development". As an ordinary employee, I should really implement compliance management in my daily work, consciously abide by compliance management, standardize operations, start from every specific business, cultivate compliance into a sense in a down-to-earth manner, and finally develop good work habits to contribute to creating a better tomorrow for our Agricultural Development Bank!