In recent years, a large number of financial illegal cases have brought great adverse effects to the reputation and social image of banks. At the same time, the ability of banking institutions to identify and control operational risks can not adapt to business development. In order to further enhance employees' awareness of preventing operational risks, promote employees to grasp the key points of risk prevention and control, solidly promote case prevention and control, and improve the level of case prevention and control, our department has carried out centralized study on case risk prevention and control in small and medium-sized financial institutions. After a period of study, I have a deeper understanding of the risk of the case.
The risk of bank cases is scattered throughout the banking institution. In recent years, most bank cases in China have occurred in small and medium-sized financial institutions in rural areas. The reasons for these cases can be summarized as follows:
1, lack of ideological understanding and insufficient attention to case prevention.
In recent years, most banks pay attention to business development, ignoring case prevention, and the phenomenon of carrot and stick cannot be completely changed. Grass-roots banks, in particular, are task-oriented, unilaterally assess several major business indicators, and do not pay attention to internal management, safety education and sense of responsibility, or even bully the superior and deceive the inferior or go through the motions.
2. Education and training are not taken seriously, and some employees behave anomie.
Many banks can't correctly understand the political, cultural and professional qualities of employees, and ignore the training of employees in relevant rules and regulations, business knowledge, operational skills and risk prevention. Employees' ideological and moral level, laws and regulations can not be purified and improved, and their awareness of obeying the law and discipline and their ability to resist corruption and change are poor. Many cases in financial institutions are caused by insufficient education, management, supervision and restraint of employees' thoughts and bad behaviors, and failure to find and guide them correctly in time.
3. The selection mechanism is unscientific and important positions are ignored.
When selecting talents, we should attach importance to relationships rather than conduct, and attach importance to "social ability" rather than professional level. Whoever can attract customers and business will be promoted and reused, and will get a high salary. There is a lack of daily assessment and performance evaluation of senior executives and personnel in important positions, and there is a lack of supervision and restraint on their ideological and behavioral changes, especially turning a blind eye to abnormal behaviors, leaving people with problems in key positions for a long time and burying future troubles.
In view of the above problems, after research and thinking, I think we can improve the effectiveness of case prevention and control from the following aspects:
1, establish "people-oriented" and improve ideological education.
The primary solution to case prevention and control is a person's consciousness, so that everyone can realize that the system is not for viewing, but for guiding practical work. Especially the typical case of special case management, we should have a strong shock to every employee and abide by the internal control system in an exemplary manner, which is not only our care, but also our care for others.
Organize and plan to educate employees in political and ideological education, professional ethics education, legal and criminal case warning education, guide employees to firmly establish a correct outlook on life and values, cultivate the ideology of caring for their posts and professional ethics of honesty and trustworthiness, strictly abide by the legal bottom line, and enhance law-abiding, compliance management and risk awareness. To strengthen the on-the-job training of employees, we should not only train job responsibilities, business knowledge and business skills, but also train the skills of identifying and preventing risks in daily operations, improve the overall quality of employees, cultivate a good corporate culture, risk culture and compliance culture, and enhance the consciousness of obeying laws and regulations. Do a good job in people's ideological work, and truly let every employee consciously pay attention to it from the ideological and action.
2, serious work discipline, improve the price violations.
Non-compliance with rules and regulations and good intentions of formulating various internal control systems are the main reasons for various cases. A good system needs a group of people who are exemplary in implementing the system in order to achieve good results. Therefore, it is necessary to strengthen the tracking and supervision of the implementation of various internal control systems, and severely deal with those who seriously violate the internal control system, so that every employee who violates the rules and regulations will pay a heavy price and let them have personal pain. If the circumstances are serious, the team of rural commercial banks should be cleared.
3, strengthen the supervision of case prevention work.
Behind every case involving internal employees, there is always a long-term deliberate figure of the perpetrator. They use some problems in the working mechanism to make careful preparations and wait for an opportunity to commit crimes. The regulatory authorities should strengthen the risk analysis of small and medium-sized financial institutions, prompt the risk points of institutions within their jurisdiction or conduct on-site inspections, establish a normalized regulatory system, urge institutions within their jurisdiction to enhance their risk awareness, and supervise the implementation of regulatory case prevention deployment and requirements. Institutions and senior executives with loose management, weak internal control, outstanding risks and frequent cases should be urged in time. If the supervision is ineffective, the responsibility of the supervisors shall be investigated in strict accordance with the relevant provisions.
At the same time, in daily work, we should constantly strengthen self-study, improve our own quality, put risk prevention into concrete work, consciously combine industry management with self-discipline, clarify post responsibilities, enhance the consciousness of self-implementation system, improve ideological and moral and professional theoretical level, build a strong ideological defense line, and be an excellent employee.
I cherish my hard-won job very much. I used to think that as an ordinary employee, as long as you are conscientious and disciplined, you can do a good job every day with good quality and quantity. Through research, I think this alone is not enough. We should also have keen observation and wise mind. We must adhere to the system in our work and act in strict accordance with the rules and regulations, so as to effectively curb the occurrence of cases.
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