2023 Model Report on Bank Compliance Self-inspection 1 In order to improve the compliance awareness of all employees, especially young employees, the first part of the Association takes the institutional measures, financial professional ethics, laws and regulations and various cases introduced since the establishment of the Introspective Association as the learning and training content, focusing on improving employees' familiarity with the basic system and strengthening their awareness of learning the law, understanding the rules, observing the rules and observing the discipline. Second, according to the principle of unified planning and graded implementation, * * * organized XXX training courses during the year, of which more than 90% were front-line employees, so that everyone really realized the importance of giving priority to internal control and putting the system first, understood and became familiar with the key points of post internal control, and took the initiative to prevent and discover risks. Third, take the form of self-study, centralized study, decentralized study, post exchange study and interactive discussion study, and seriously study business books such as Business Process Compliance Operation Manual and Safety Work Theory and Practice. At the same time, combined with the actual case prevention and control, the warning education of typical cases will be integrated into the activities, the cases will be analyzed, the lessons will be summarized, and both the symptoms and the root causes will be addressed. The Supervision Department of the Associated Press collects relevant typical cases at any time, carefully analyzes the reasons, and regularly reports them in the form of documents, which enhances the pertinence of learning, and everyone writes learning notes and experiences, further deepening the understanding and re-understanding of the system. The fourth is to test the learning effect with incentive mechanism. 10 In mid-June, various credit cooperatives and associated associations recommended XX employees to select from bottom to top to carry out compliance knowledge competition. 165438+1At the end of October, organize XXX employees in the whole jurisdiction to take the system learning examination of the provincial association. The assessment results are linked to the employee's target responsibility assessment and post employment in the coming year, and the pass rate reaches 99%.
2023 Model Report on Self-inspection of Bank Compliance Article 2 According to the requirements of the Implementation Plan of XX Branch of XX Bank for 20xx, and in combination with its own position, the Bank has seriously carried out a comprehensive self-inspection of compliance risks, and now the relevant information is reported as follows:
Through the study of the spirit of relevant documents, I realized the significance of compliance culture education activities, understood the meaning of the word "compliance", and strengthened my belief in adhering to "compliance" in practical work. After continuous in-depth study, combined with the actual situation in my work, I have a clearer understanding of the theoretical study of compliance system, professional ethics and integrity, awareness of compliance operation, awareness of supervision and prevention, and personal work attitude:
First of all, the reform and development of banks cannot be separated from open and closed operations. Promoting compliance discussion will certainly provide strong support and guarantee for the implementation of our business philosophy and system, and also make it possible to establish a long-term mechanism for risk prevention and control and achieve a long-term stable work situation.
Secondly, through repeated study and deeper understanding, I fully realized the purpose and significance of this compliance culture education activity, and more clearly defined the importance and necessity of implementing rules and regulations and operating procedures. Conduct self-examination according to the implementation of the system and the degree of operational norms, so as to learn while comparing, check and rectify, and conduct self-examination and self-correction from the aspects of learning, thinking, management, rules and regulations, and work style.
In terms of work style, I am conscientious, carry forward the spirit of hard struggle of the older generation, resolutely put an end to eating, taking, getting stuck and demanding by taking advantage of my authority, do not engage in business, invest in enterprises, occupy collective property, and do not involve pornography, gambling, drugs and other illegal acts, and insist on being a qualified postal savings bank employee. The implementation of this "compliance discussion" made me fully realize that if I want to do a good job, I must always keep a clear head and not have any luck. I am hardworking and honest. "Don't reach out, you will be caught." Any violation of laws and regulations is a great harm to the collective, an extreme irresponsibility to oneself and family, and a bet on one's life and future. Through this compliance culture education activity, I am closer to the organization ideologically, set a new benchmark in my future work, and strive to become an excellent employee of the Postal Savings Bank.
Since the beginning of this year, Shandong Heze Branch of Agricultural Bank of China has closely followed the new situation of business development, actively explored new ways and means of internal control and compliance inspection, and solidly promoted the "four transformations". The Bank's internal control and compliance work has continuously reached a new level, and employees' awareness of compliance, responsibility and risk has been further enhanced.
The first is to promote the transformation of inspection objectives.
With the continuous improvement of the internal control system, there are fewer and fewer obvious risks and loopholes. The traditional compliance inspection, which aims at detecting and correcting errors and plugging loopholes, has not met the needs of business development, and the inspection goal of banks has begun to shift from detecting and correcting errors to risk assessment. In 20xx, by integrating the inspection plans of various departments and offices, the original business inspection objectives were adjusted. Operational risk assessment was carried out when the competent business department organized due diligence, compliance risk assessment was carried out when the compliance department organized the overall handover inspection, and legal risk assessment was carried out when legal personnel organized the "Sixth Five-Year Plan" legal popularization work ... Through a series of assessments, the timeliness and pertinence of compliance inspection work were improved.
Second, promote the transformation of procuratorial functions.
Finding loopholes and correcting deviations are the functions of the Internal Control and Compliance Department. Formal supervision is essentially service, and the inspection function has changed from simple supervision to paying equal attention to supervision and service. While discovering various business problems, the Bank focused on observing the effectiveness of the internal control system and the efficiency of business activities, so as to promote the branches to constantly improve their self-restraint mechanisms and maximize their value. For example, in organizing the "Special Governance Year of Internal Control Management" and "Rectifying Irregular Operation" activities, the relationship between inspectors and sub-branches changed from the antagonistic relationship between inspection and inspection to the relationship of inspection, correction, counseling and support.
2023 Model Report on Self-inspection of Bank Compliance Article 4 The medical insurance for urban residents, which was implemented in August last year, was warmly welcomed by residents. With the active participation of urban residents in Jili District, the number of insured persons has increased significantly, and medical insurance has achieved unprecedented development. In order to understand the implementation of medical insurance for urban residents in Geely District, recently, the social and economic investigation team of Geely District randomly selected 20 urban households in the urban area and conducted a questionnaire survey on the implementation of medical insurance for urban residents in Geely District.
The content of this survey is divided into three parts: the basic situation of urban residents, their understanding and participation in medical insurance, and their requirements and suggestions on the existing medical insurance system, with a total of 20 questions. The survey object is composed of staff of party and government organs, education, science, culture and health personnel, enterprise employees, retirees, freelancers and self-employed workers. The respondents are divided into four age groups: under 20 years old, 20-40 years old, 40-60 years old and over 60 years old.
First, the publicity is in place, but the intensity still needs to be increased.
Since the implementation of medical insurance for urban residents, Geely District has given full play to the advantages of various news media and community resources and adopted flexible and diverse ways to publicize the relevant contents of the medical insurance system for urban residents, which has enabled residents to have a certain understanding of the medical insurance system and basically formed an atmosphere in which everyone talks about medical insurance and everyone enters medical insurance. How much do you know about the medical insurance system for urban residents being piloted? In this survey, 16 people expressed basic understanding, accounting for 80% of the respondents. In the survey, 20% residents don't know much about the specific content. In order to get the approval of the new system, residents must first be familiar with it. At present, the publicity of medical insurance policy by the mainstream media in Geely District is largely superficial, and little attention is paid to its essence and policy terms, which makes the people's understanding of medical insurance stay superficial and is not conducive to the promotion of the system. In order to fully implement the medical insurance system for urban residents, the relevant departments should not only let the people know the existence of this system, but also let the people know how this system is implemented. Only in this way can the people further realize the importance of participating in insurance and truly realize universal medical insurance.
Second, the status and cognition of urban residents.
Among the 20 households surveyed, * * * has 72 eligible people, 70 have participated in medical insurance, accounting for 97% of the total number, and 2 have not participated, accounting for 3% of the total number. Of the 70 people insured, 80% of the residents think that the system is good and the family is guaranteed. 10% residents participated in the community publicity and mobilization; Some 10% residents don't know, but everyone around them is participating. Two uninsured people, one because they have participated in similar commercial insurance, are unwilling to participate again, and the other because they have not participated for other reasons. As can be seen from the above survey data, most residents are in favor of urban residents' medical insurance now, and think it is a good policy to protect families and individuals. "Do you think medical insurance for urban residents can solve the family difficulties caused by illness?" In this survey, 4 people chose energy, accounting for 20%; XX people choose to help, accounting for 70%; Two people choose no, accounting for 10%. According to the above survey data, nearly 90% of the residents think that medical insurance for urban residents is helpful to the problem of returning to poverty due to illness, and 10% of the residents think it is not helpful.
Three, the level of payment of medical insurance for urban residents.
According to the medical insurance for urban residents in Geely District, the annual fund-raising amount for urban residents aged 18 is 180 yuan, of which the individual pays XX yuan and gives financial assistance to 60 yuan. Students (including vocational high school, technical secondary school, technical school students and primary and secondary school students) and children each raise funds for 90 yuan, of which individuals pay 30 yuan and financially subsidize 60 yuan; Urban minimum living allowance, severely disabled people, low-income families, elderly people over 60 years old and other difficult residents, the annual financing amount per person is 180 yuan, of which the individual pays 60 yuan and the financial subsidy is XXX yuan; Individuals who have participated in the medical assistance insurance for urban and rural poor people and severely disabled students and children do not pay.
Although the district government fully considered the affordability of residents of different income classes in the payment of residents' medical insurance, in the survey, "What do you think of the payment level of the current medical insurance system for urban residents?" There are still 50% residents who think it is high, 40% residents think it is appropriate, and 10% residents think it is low. As can be seen from the survey data, a considerable number of residents still think that the current level of medical insurance payment is on the high side, which is mainly due to the different levels of economic development in different places and the large gap in income levels of residents.
Fourth, the community health service system should be constantly improved to meet the needs of urban residents.
Strengthening the construction of community health service institutions is a necessary condition to ensure the better implementation of medical insurance for urban residents. Do you think the current community health service center can meet your usual medical needs? In this survey, 30% residents choose to be able to, and 70% residents choose not to. It can be seen that although the government is constantly vigorously developing community health service institutions, the current community health service institutions still cannot meet the medical needs of most residents.
In "Which of the following problems do you think exist in community health service centers?" At that time, 70% residents thought medical equipment was lacking, 60% residents thought medical skills were not high, 30% residents thought management was not standardized, and 20% residents thought the fees were unreasonable.
Judging from everyone's choice, public hospitals with rich medical resources are still the first choice for residents to seek medical treatment for serious illness, far exceeding the community health service center. At present, there are still a series of problems in community health service centers, which cannot meet the needs of residents for medical treatment. Therefore, it is necessary to strengthen the construction and development of community health service institutions to make them in a strong position and solve the problem of difficult medical treatment for urban residents.
Five, residents' views and opinions on the medical insurance system for urban residents.
Residents are very concerned about the implementation of the medical insurance system for urban residents, and almost all the respondents have written down their opinions and opinions very seriously, hoping that these opinions and opinions can play a certain role in the smooth implementation of the medical insurance for urban residents. The suggestions and opinions written by the respondents mainly reflect the following aspects:
1, increase publicity. A businessman surnamed Lu wrote: "Increase openness and transparency, and let the people know the specific content." An interviewee surnamed Xi wrote: "Intensify publicity, print the main contents of reimbursement process and medical insurance system on the back of medical insurance, and reduce work links."
2. There is something wrong with the reimbursement system. An enterprise employee wrote: "First, the reimbursement procedures are troublesome; Second, not only hospitalization reimbursement. For example, some chronic diseases and special diseases need regular treatment and maintenance, and hospitalization will increase the burden on the insured. It is recommended to stipulate the monthly reimbursement limit, so that the universal medical insurance system can play its due role and let the people really get benefits. " A teacher surnamed Jia wrote: "After participating in medical insurance, some medical expenses were not reported, and they were told that they were not reported because they were not hospitalized, and some medicines were not included in the scope of reimbursement."
3. Strengthen the construction of community health service institutions. A migrant worker surnamed Li wrote: "As the first visit, the community should expand medical treatment projects, enrich medical equipment, improve service quality, and truly implement the benefits of universal medical insurance." An official surnamed Wang wrote: "There are more community health service centers with better equipment to facilitate residents' medical problems and supervise drug prices. "
4. The regulations on designated medical care are unreasonable. A domestic worker surnamed Zhou wrote: "You must go to the community service center to see a doctor first. Only when they have a transfer certificate can they be transferred to another hospital. The restrictions are too dead. Some doctors in community hospitals are of poor quality and will definitely delay their illness. " An interviewee surnamed Li wrote: "It is not free and convenient to go to a designated hospital to see a doctor. If the illness is sudden, the designated hospital is far from home. If you go to the nearest hospital for treatment, the later reimbursement procedures are complicated, and the procedures for attending medical treatment are not clear. It is easy to take the backpack road, and this aspect needs to be improved. "
5. Strengthen supervision. A worker surnamed Guan wrote: "Inadequate supervision can easily lead to problems in the implementation of the system. I hope to pay more attention. " A domestic worker surnamed Zhao wrote: "Government departments should strengthen the supervision of medical insurance and control the inflated drug prices." Medical insurance for urban residents is an important system to realize universal medical insurance in Jili District, and it is a good policy to really solve the problem of difficult and expensive medical treatment for ordinary people. In this long-term project, there are still many aspects that need to be continuously improved and perfected. In this process, relevant departments should listen to the voices of ordinary people and think for them to ensure the effective implementation of the goal of universal health insurance in Geely District.
Model Report on Self-inspection of Bank Compliance in 2023 Article 5 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 process of positive emotions and negative emotions, and this natural combination is the cultural origin. After human intervention, emotions are reunited with respected events, which is cultural construction.
Second, illegal operations and the reasons for illegal operations are related to 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.
Third, the 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 pressure 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 flexible.
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". According to the spirit of "everyone talks about the chapter, and the whole bank makes rectification", with the propaganda, organization and mobilization of relevant branches, I seriously and deeply participated in the learning activity of "the whole bank talks about the chapter and makes rectification". Through this activity, I further improved my awareness of risk prevention, strengthened the concept of compliance operation, and made clear the responsibilities of the post and the significance and importance of this activity.
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. 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.