Learning experience of compliance culture: Through the previous stage of learning, I deeply realized that compliance culture education activities are educational methods with financial characteristics of Agricultural Bank of China and corresponding management systems and organizational forms in a specific historical period. It is a value concept that China Agricultural Bank believes in, learns from the management experience of the Basel Committee on Banking Supervision and puts it into practice. It embodies the values, business philosophy, code of conduct, common beliefs, creativity, cohesion and combat effectiveness of employees of China Agricultural Bank, and is a strong political guarantee for promoting the reform and development of China Agricultural Bank. It can be said that the development of this activity has made me further understand my job responsibilities, purified my thoughts and improved my leadership ability. Next, I want to talk about my views on the harvest of this research.
First, strengthening compliance culture education is the need to improve management level. Carrying out compliance culture education activities is of positive and far-reaching significance for standardizing business practices, curbing violations of law and discipline and preventing cases. On the one hand, it is necessary to unify the understanding of leaders at all levels on strengthening compliance culture education, and make them become advocates, planners and promoters of corporate compliance culture construction. Today's society is a knowledge-based economy, with all kinds of new things constantly emerging, new businesses and new knowledge emerging one after another. The development of the situation requires us to constantly strengthen our study, comprehensively and systematically learn the knowledge of political theory, financial business, laws and regulations, constantly update our knowledge structure, and strive to improve our comprehensive quality to better meet the needs of the accelerated development of the whole bank's business. Follow? One post and two responsibilities? Requirements, conscientiously perform their duties, especially to strengthen the study of political theory, economy, finance, laws and regulations of overseas students, constantly improve their comprehensive quality, enhance their ability to distinguish right from wrong, resist corruption and prevent change, and be firm and clear-headed in the face of right and wrong. At the same time, it is necessary to further correct the guiding ideology of operation, enhance the awareness of legal compliance and prudent operation, guide all business activities of the Bank on the right track, and promote the healthy and effective development of all businesses.
It is necessary to carry forward the pragmatic style in the industry, form a business style of telling the truth, telling the truth, making practical moves, doing practical things, being pragmatic and effective, create a good business environment, improve the management level, be strict in discipline, be strict in responsibility, pay close attention to implementation, strictly control all kinds of moral risks, business risks and management risks, and maintain and enhance the image of ABC. On the one hand, to enhance the awareness of all staff to strengthen corporate compliance culture education, cadres and workers of the whole bank are the main body of Quanzhou Agricultural Bank's corporate compliance culture construction, and also the practitioners and creators of corporate compliance culture. Without the active participation of employees, it is impossible to establish a good corporate compliance culture, let alone let employees abide by the law. In reality, many employees lack scientific knowledge and understanding of the connotation of corporate compliance culture education, and confuse corporate compliance culture construction with corporate general cultural and entertainment activities, thinking that holding a few slogans, organizing some cultural and sports activities, singing and dancing are corporate compliance culture construction. We should concentrate our time and energy on the training and assessment of accounting personnel, and strive to achieve comprehensive, systematic, professional, practical and upgrading of business training. Let all accounting and cashier personnel be familiar with the system and regulations, strive to be qualified tellers, and make the counter a marketing stage; It is necessary to strengthen the political, ideological and professional ethics training of accounting personnel, and take different forms such as meeting training and special training according to the actual situation of different posts, so as to make the comprehensive quality of accounting team reach a higher level on the original basis. Through a series of activities, all employees can accurately grasp the real scientific connotation of corporate compliance culture construction, consciously integrate into corporate compliance culture construction, enhance the awareness of internal control management, pay close attention to basic management, and promote compliance management according to law.
Third, strengthening compliance culture education is the need to improve economic efficiency. The main purpose of strengthening compliance culture education is to reduce financial risks and maximize the interests of enterprises by improving the cohesion and centripetal force of enterprises. What should you do at work? Three requirements? . First, we must establish a correct guiding ideology. While pursuing profits, we should pay attention to the safety and liquidity of funds, and prevent the tendency of unilaterally pursuing high-speed business growth and neglecting risk prevention and internal control mechanism construction. In particular, it is necessary to prevent enterprises from speculating in banks. A project will inevitably lead to competition from many banks. In the competition, enterprises will definitely put forward some unreasonable conditions to banks, which will increase the loan risk. We should weigh the pros and cons and avoid losing watermelons for sesame seeds. I would rather not develop than blindly develop, resulting in new capital precipitation. Second, we must establish and improve various rules and regulations. We should always put system construction in a prominent position, pay attention to restraining people with systems, and regulate daily behavior with systems. To this end, it is necessary to formulate and improve a series of rules and regulations in combination with the actual work, insist on standardizing the business operation process with the system, ensure that there are rules to follow, effectively plug all kinds of loopholes, prevent the occurrence of violations, and ensure that there are no problems in every link. It is necessary to learn from international advanced experience, actively use modern scientific and technological means, establish and improve a monitoring, evaluation and early warning system covering all business risks, attach importance to loan risk concentration and credit monitoring and early warning of affiliated enterprises, pay attention to early warning, and conscientiously implement the major default registration and risk early warning system. It is necessary to establish and improve the internal control system, ensure the safety, liquidity and efficiency of operation, establish a balance mechanism of self-adjustment, self-restraint and self-control, establish and improve the internal control system of self-improvement in the process of pursuing self-economic interests, and strengthen the prevention of operational risks. Fourth, we should persist in ideological education. We should firmly grasp the important link of ideological education for studying abroad, often carry out the study of relevant rules and regulations, carry out the education of party style and clean government in a targeted way, constantly enhance the awareness of operating according to law, and make statements by using cases that happened around the financial system, so that all employees can always keep a clear head and consciously resist the erosion of various decadent ideas.
Learning experience of compliance culture II. I have carefully studied the document "Notice on Carrying out Special Education Activities on Legal Compliance in Provincial Banks and Implementing the Case Prevention and Rectification Plan", and further realized the importance and urgency of legal compliance management to the operation and management of the whole bank, and deeply realized the harmfulness of illegal operation and high incidence of cases. South China Sea? Guanghua? The case, the off-balance-sheet business case of Shunde Branch and the case notified by the provincial bank last year once again sounded the alarm for us. This year's case report of the provincial association made me more aware of the grim situation facing the current internal control management. I know that operating in compliance with the law is the basic principle of financial management, the guarantee of adhering to the correct business direction, and the fundamental place for financial enterprises to develop themselves and prevent financial risks. Therefore, in our work, we must do the following work well 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 employees, so that everyone can realize the complexity of society and the universality of financial operation risks, and realize that credit cooperatives are high-risk industries. We must put risk prevention in the first place, start from our posts every day, consciously abide by various rules and regulations, and consciously resist all kinds of violations of discipline and discipline. It is necessary to eradicate trust instead of management, habit instead of system, emotion instead of discipline, cherish the cause, regard the system as life, and correct violations as mine clearance.
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, ten cases and nine violations? Non-compliance with regulations, illegal operation, poor inspection and poor supervision are important sources. 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. So that employees engaged in different positions can find work loopholes from their own positions and make reasonable suggestions, which provides an important basis for improving internal control management.
Managing according to law and strengthening internal management cannot be made clear in a few words, nor can one person do it well. As employees, we should do our duty, do our job well and have a deep understanding of development? Compliance construction year? The significance of the activity, starting from every employee, starting from their own work, seriously abiding by the law. Always stand by and watch the river, just don't get wet. The alarm bell rings, restrain yourself within eight hours, and be alert to yourself after eight hours.
Experience of learning compliance culture 3 In practical work, people often understand honesty service as a rigid service demand, that is, a good attitude equals good service. Actually, it is not. Service has a deeper connotation and is closely related to the strict implementation of rules and regulations.
Mencius said: Without rules, Fiona Fang could not be achieved. There is a motto in Huainanzi: if it is wrong at the moment, it is impossible to find things; Compliance management is the lifeline of the financial industry. For the banking industry with a history of hundreds of years, customers are the natural cornerstone of its development, quality is the eternal theme of its exhibition, image is the bright clothes of its development, and system is the fundamental guarantee of its development.
As a unique bank risk management technology, compliance has been widely recognized by the global banking industry. Compliance risk, together with other risks of banks, is also included in the overall risk management framework of banks. How to truly embody the values of integrity that commercial banks should have and how to vigorously advocate the establishment of their own compliance culture has become the theme of commercial banks' exploration.
In recent years, the bank has always taken perfecting the system and strictly administering the bank as a solid policy, focused on grasping policies, treating customers with integrity, establishing rules and regulations, standardizing operations, and constantly strengthening compliance construction and risk management. Through learning and education, we deeply realize that only by strangling risks in the cradle can we safeguard the interests of the bank to the greatest extent and ultimately benefit every employee, because the development and prosperity of Chouzhou Bank are related to the interests of every employee.
Compliance is the core risk management activity within the bank, and compliance management is an important part of the company's compliance culture. ? Compliance? It contains two levels of meaning: first, there is a? Qualified? what's up Rules? ; Second, everyone is going? Match? This? Restriction rules? . In the internal control inspection of our bank, many problems were found, such as authorization becoming a mere formality, ignoring the review of relevant materials; There are loopholes in re-control management; The management of database search is not standardized; The Liuxue86.com of reconciliation management is not in place, and so on, which exposes the phenomenon that we don't follow the rules in our daily work and the system is not strictly implemented. These inspections have sounded the alarm for us. Compliance is like a warning sign, always reminding us to strictly abide by laws, regulations and various rules and regulations. Risk prevention is sometimes in an instant, and a responsible person can keep the risk away. People who have no sense of responsibility harm others and do not benefit themselves. We can't act according to our feelings, break the rules, and finally suffer the consequences.
Of course, systems and regulations sometimes conflict with customers' needs, and customers' needs are often limited by them. As employees, we must grasp policies, standardize operations and control risks. We must never replace the system with habits, discipline with human feelings, management with trust, do not engage in illegal operations, persist in treating each other with sincerity, and gain the trust of customers with high efficiency and high quality.
Abide by integrity, compliance-oriented, let us strictly abide by the rules, starting from me, starting from now. We have no rhetoric, only plain words and deeds; No glorious deeds, only ordinary work; There is no hero image, only a busy figure. But it is this simple, ordinary and busy that fully reflects our love and loyalty to our work. I hope to achieve better results through our efforts and excellent service.
I recommend it carefully.