While remarkable achievements have been made in the reform and development of state-owned commercial banks, the problem of filing a case by grass-roots institutions has never been effectively controlled. The occurrence of these cases not only caused huge economic losses to state-owned commercial banks, but also adversely affected their social image. How to prevent the occurrence of bank cases from the source by analyzing the causes of cases is a problem that banking institutions at all levels should think about. Based on the study of the case of "cost" warning education, combined with my many years of working experience in the bank, this paper talks about some superficial views on the preventive countermeasures of the case.
(1) Correct business philosophy and promote the steady and rapid development of banking business. Maximizing value is the guiding ideology of state-owned commercial banks in the process of reform and development. In practical work, bank managers at all levels should resolutely abandon the short-term behavior of pursuing scale at all costs, ignoring quality and grasping deposits, and always grasp the correct management principles [more wonderful articles are waiting for you in the "secretary port"! ] reading.
(2) Strengthen internal management and establish a sound scientific management mechanism. Commercial banks should establish and improve the performance evaluation and assessment mechanism with economic added value as the core and the combination of power, responsibility and benefit according to the bank's development strategy, business thinking and annual comprehensive business plan. Establish and improve a reasonable and effective internal control system, strengthen the risk awareness of employees of the whole bank, and build a multi-level risk defense line such as internal audit, appointment of accounting supervisor, business inspection, risk management and audit supervision to form a joint force of supervision. Strengthen and implement the management responsibilities of branches at all levels, implement the accountability system, and increase accountability, especially for the heads of institutions with frequent cases.
(3) People-oriented, building a harmonious team and strengthening the construction of the staff. Banking institutions should treat every employee as a master and a value creator, establish a just, open and fair incentive mechanism such as salary and promotion, and build a stable and smooth development space for employees. Carry forward corporate culture, cultivate employees' professionalism and enterprising spirit, and enhance employees' loyalty and contribution to banks. At the same time, employees are often warned and educated, and employees are regularly inspected to keep abreast of employees' thoughts and behavior trends and eliminate hidden dangers in the bud.
(4) Strengthen compliance management and awareness of compliance management, and cultivate compliance culture. Constantly strengthen the awareness of compliance management and compliance management of managers and employees, so that everyone can actively abide by the law and everything is compliant, and gradually cultivate and form a good compliance culture.
Warning education is of great significance to prevent case risks. In warning education, we should pay attention to guiding employees to think about life purpose, life value, life attitude and other issues, correct life coordinates according to cases, and enhance self-discipline awareness. When describing the typical criminal process of the opposite side in education, we should try our best to avoid mentioning criminal skills and checking skills, so as not to be imitated by people with ulterior motives. At the same time, we should dig more into the root causes of crimes and show less individual details. Although there are many kinds of crimes, they all have something in common on the road of breaking the law. We should abstract common things from numerous criminal cases to educate people, and check the contents and specific details when referring to examples of crimes against discipline. Through the rational analysis of the phenomenon of violation of discipline and crime, let employees understand a truth: the fall of human beings is not accidental, and there is a gradual process from small to large unconsciously, all of which take the road from small evil to great evil and finally go to destruction. Regardless of minor evils, tomorrow may be on the road to crime, so that employees can really get a warning.
extreme
After reading the educational propaganda film "Compliance Awakening", I really realized the importance of compliance. Look at a shocking case, let us ponder. They used to be our colleagues who fought side by side, our friends who sang praises, outstanding representatives in customers' hearts and immortal examples in our hearts. But now, they are companions in prison.
"No rules can make Fiona Fang" is the best interpretation of the importance of compliance, and it is an unchangeable law of social development and human progress since ancient times. "controllable risk" and "risk-free" are the first principles of our agricultural development bank. In order to ensure no risk, we must abide by the law. From more than 2 million cases of misappropriating funds to more than 1 100 million cases of forging bank tickets, all show us the importance of compliance culture. The painful lessons have sounded the alarm for us, reminding us all the time that there must be no cases and accidents in business operations, and a compliance culture must be established; In order to realize the sound and rapid development of the banking industry, it is necessary to establish a compliance culture.
Banks are known as "three railways": "iron system, iron abacus and iron account book". It is precisely because of the "three railways" of banks that banks can gain trust in the hearts of the people. Whether the rules and regulations are implemented or not depends on the clear understanding and proficiency of the employees. Following the rules is a taboo in the industry, "the car dealership has a road." As for the implementation of rules and regulations, as far as front-line tellers are concerned, they should start from me, handle every business correctly, carefully examine every bill and every document, handle business legally and legally, and strictly implement the safety precautions of business operating system. Do a good job of mutual restraint and mutual supervision, and don't deviate from the rules and regulations because of colleagues' feelings or one-sided pursuit of economic interests. Stick to the rules from beginning to end. Only in this way can our system be implemented and our capital security be guaranteed. No matter how good the system is, if it is not implemented well, it will go to the opposite side.
In the face of temptation, we guard the pure land in our hearts, and in the face of temptation, I stick to the justice in our hearts; In the face of temptation, we should think about our family and friends. It is better to eliminate all bad habits completely than to comply loosely. Write down all non-compliance problems in grass-roots work, formulate a clear reward and punishment system, and then strictly implement it. If every employee of ours does this to the letter, can those sugar-coated shells still hit us? Will those painful lessons of violation of discipline still happen to us? If every employee of ours has done it to the letter, it will certainly build a solid Great Wall in every employee's heart that abides by laws and regulations!