Bank internal control experience 1
In 20xx, under the guidance of relevant departments of the provincial bank and the leaders of the sub-branches, the operation and service personnel within the jurisdiction closely focused on the management requirements of the provincial bank's operation and service, and did a good job in all kinds of operation and service, which played a role in boosting the rapid and healthy development of various businesses of the sub-branches. The following is a summary of the Bank's operation and service work in 20xx:
I. Completion of performance targets
* * Sub-branches operate services and high-risk areas, unswervingly promote transformation and innovation, and conscientiously implement the working policy of "stabilizing deposits, expanding customers, increasing income and controlling risks". Under the premise of sustained and high-speed business development in recent years, the overall business development trend is good, and the main performance indicators this year are "full house".
In terms of internal control management, the sub-branch has gradually established an effective internal control system, the internal control evaluation has been continuously strengthened, employees' awareness of internal control has been significantly improved, the level of business risk management has been improved, credit assets are in good condition, safety measures have been put in place, and internal control inspection and monitoring work has been carried out in an orderly manner, which has effectively guaranteed the sustained, rapid and healthy development of various businesses of the sub-branch. While doing a good job in internal control, we will carry out in-depth anti-corruption punishment and clean government building, and adhere to employee behavior analysis. Since the beginning of this year, there have been no major accidents, violations of laws and regulations, major mistakes and internal cases.
Second, the key work and achievements
Since the beginning of this year, the branches of the sub-branches have further improved their ideological understanding of "compliance management" and "ensuring safety and promoting development", attached great importance to establishing and improving the internal control system and strengthening the prevention of risk cases, and insisted on taking business development as the center, taking the internal control system as the guarantee, focusing on business development on the one hand and internal control supervision on the other. And implement the "first responsible person" system, and make it clear that the heads of branches and departments are fully responsible for the internal control of branches.
1, the internal control system tends to be perfect, the internal control assessment is constantly strengthened, and the internal control management level of outlets is gradually improved.
(1) internal control management system is preferred. When formulating the performance evaluation method for 20xx years, the Bank set 20 internal control operation points and subdivided the internal control evaluation indicators. The comprehensive management department publishes the evaluation results every month, and improves the internal control management ability of outlets and lines through performance coaching. The evaluation results are linked to the monthly performance of outlets and departments, and the performance results of outlets and departments serve as the basis for employees' monthly performance rewards. At the same time, the sub-branch once again clarified the responsibilities of the internal control supervisor, and hired a group of backbones with strong business ability and high awareness of internal control as internal control supervisors, which played a very good role in strengthening and supplementing the internal control work of grassroots outlets.
(2) Implement various forms of internal control system. The Bank actively carried out the theme activities such as "Employee Behavior Management Year", "Case Prevention Consolidation Year", "Building a Safe China Tour", "Building a Clean and Honest Party Style and Anti-corruption Education", and took the activities as an opportunity to do a good job in internal control. I hold an internal control work meeting every quarter to analyze and summarize the internal control work in this quarter and put forward the key points of internal control work in the next quarter. All outlets and departments are required to make good use of the morning meeting, which is a form of face-to-face communication with employees. At the morning meeting, the person in charge of the network should analyze the case and report the internal control work. The person in charge must spend at least 30 minutes every day to sort out the internal control work of the outlets, increase the daily work management of employees and the system of employee leave face-to-face signing, and organize various safety and fire emergency drills. The Bank's internal control system has been gradually improved.
2. Employees' awareness of internal control has been significantly improved.
The Bank strengthened the cultivation of employees' awareness of internal control and carried out special education activities on compliance throughout the Bank. Strengthen business training and improve the professional quality and compliance awareness of employees. Internal control management level and risk prevention ability should not only have a strong sense of responsibility, but also have excellent business skills. With the rapid development of branch business and the continuous expansion of personnel scale, the business ability of employees, especially the business quality of new employees, is difficult to meet the needs of business development. In order to improve employees' professional quality and compliance awareness, the bank has formulated 20xx training plans based on personal gold bars, company lines, operation lines and others (business skills, safety, etc.). ) and passed the training. Supervise employees to modify teller passwords every month, and complete employee behavior analysis and self-inspection of "No Double Nine" and "No Double Ten" on schedule every quarter. The sub-branch held a mobilization meeting of "two promotions and two activities" to conduct self-examination and self-correction on the irregular business practices jointly inspected by the banking supervision department. Through these activities, employees' awareness of compliance management has been significantly enhanced. This year, the number of errors and monitoring reports notified by provincial banks was significantly less than that of the same period last year, with a drop of 65%. The monitoring reports issued by provincial branches were sorted out, and the system of meeting and talking with presidents was strictly implemented. The employees notified by the provincial bank are interviewed by the governor in charge and the personnel of the comprehensive management department to help employees find out the reasons for violations and promote the rectification of employees. Arrange and implement employee home visits until the National Day holiday, with a home visit rate of 65,438+000%. For employees with individual ideological problems, the president leader personally talks with them to promote employees to advance on the right career path. Because I know that internal control operation is not a temporary job, but a long-term unremitting daily work, we must deeply implant the thoughts and concepts of internal control into the psychology of every employee and every middle-level person, so that they can consciously put their awareness of internal control into action and work, create a good internal control culture atmosphere of compliant operation and standardized operation throughout the Bank, and strengthen the construction of compliant internal control culture throughout the Bank.
3. Internal control safety measures are basically in place.
Sub-branches have improved physical and technical defense measures, completed the installation of all external ATM self-service banks 1 10 remote alarm equipment within their jurisdiction, improved the case prevention equipment of external ATM self-service banks, initially established a monthly ATM night patrol system, and formulated an implementation plan for the rectification of safety fire hazards in network points and offline self-service channels. At the same time, the sub-branch has further implemented the duty system of leaders on weekends and holidays and the duty system of the heads of business outlets on weekends. Organize a comprehensive inspection system for grass-roots outlets once a month, which effectively promoted the quality of internal control of the Bank.
4. The risk management of credit business is more perfect.
(1) The Company strictly implements the "Three Measures and One Guidance" of the China Banking Regulatory Commission, strengthens the management of credit fund payment and the whole process monitoring, and ensures that the credit investment matches the project approval, project funds and project progress, that the credit fund investment is controllable, and that the repayment method is scientific, so as to ensure the early detection, intervention and timely release of risks. Strengthen the quality monitoring of credit assets, increase the collection efforts, and prevent the occurrence of non-performing assets. Sub-branches strengthened the training on the awareness and responsibility of risk prevention and control of account managers, further improved the compliance of policies, systems and processes, and strictly implemented various "prescribed actions" before, during and after lending, so as to improve the risk control ability from the source and enhance the sensitivity and initiative of risk management. In particular, account managers are required to strengthen the collection and tracking of customer information of enterprises and individuals at all levels, maintain close contact with enterprises, do a good job in communication with customers, strictly implement the major risk reporting system, effectively improve the level of risk prevention and enhance the effect of risk management. Sub-branches also adhere to the parallel implementation of post-loan management, business mining and customer relationship maintenance, strengthen risk responsibility, and constantly enrich ways and means of risk management and control to ensure the rapid and healthy development of credit business of sub-branches.
(2) In 2)20xx, based on the principle of "top priority, linkage, quick response and quality assurance", the Bank held regular asset inventory meetings to inventory the existing credit assets, established the primary list according to the standard requirements of provincial banks for the primary list, supplemented and strengthened the management list by means of asset index analysis, customer information triggering and portfolio risk investigation, so as to comprehensively and effectively do a good job in post-loan management and ensure asset quality. In the process of post-lending management, the Bank increased the frequency of on-site inspections, gained in-depth knowledge of enterprise-related information, continued to carry out regular inventory of credit assets, and gave full play to the role of the new "four-in-one" asset quality monitoring and management system of provincial branches in the bank-wide credit risk management.
5. Supervise the internal control inspection of all branches.
For the annual internal control inspection plan made by each line in 20xx, the sub-branch requires that the inspection content comprehensively cover some key business products and some high-risk business operation links of individual companies, companies and business lines, pay close attention to key business processes, prevent major cases and all kinds of major business errors, and take the prevention of all kinds of accidents as the top priority of internal control work. In 20xx, the Bank also focused on evaluating the internal control management of transformed outlets to prevent operational risks after the sinking of business products. Organized and carried out inspections on corporate credit business, payment and settlement business, bank acceptance bills and discount business, and attached great importance to the application of RAROC and EVA data for corporate loans and the quality management of personal loan assets. An information security self-inspection and security work leading group was established, with the leaders of the branch in charge as the team leader and the heads of the comprehensive management department, personal finance department, corporate business department and business department as the team members. The domestic settlement bank, payment settlement bank, operation control line, bank card bank and other related system users, customer data storage, PC safe operation and other aspects were inspected respectively. In 20xx, the bank also rotated important positions, mainly including payment and settlement positions, corporate account managers and personal loan account managers, as well as financial management positions and comprehensive management department heads who were forced to take vacations. Organize the employees of the whole bank to write "Double Ten Banners" and "Double Nine Banners" collectively, and the inspectors' mastery of "Double Ten Banners" and "Double Nine Banners". At the same time, they focus on warning education for new employees and prohibit employees from participating in illegal fund-raising and business. Do a good job in regular inspection of business seals.
6. Continuously monitor daily business such as telephone banking, anti-money laundering, wealth management, precious metals, BGL account, artificial interest calculation, interest compensation, etc., and improve risk control capability.
Implement the daily anti-money laundering work to the specific responsible person, supervise the anti-money laundering work of all outlets and departments, do off-site monitoring of suspicious transaction submission every day, continuously improve the quality of suspicious transaction submission, and improve the anti-money laundering management level of all outlets and departments through on-site guidance, training and inspection. Strengthen the management of wealth management, precious metals and other businesses before, during and after the event, sort out the operation procedures of wealth management and precious metals business, and realize the monitoring of the whole sales process. Branches using BGL accounts are monitored weekly, inspected monthly and notified quarterly, which effectively manages BGL accounts. For major risk points such as manual interest payment, the sub-branch implements transaction-by-transaction monitoring to ensure that the operation is legal and compliant. In the telephone banking business, our bank always takes products as marketing means to "grasp early and grasp small", which makes our telephone banking business lead the whole jurisdiction throughout the year, and the total opening amount always remains the first in the same city and the second in the same city.
7. The system is constantly improving.
In 20xx, the bank further improved the rules and regulations, and changed the post manager to the system manager. Sub-branches have established and improved a number of comprehensive internal control management systems, such as Measures for Annual Performance Appraisal of Bank of China * * Sub-branch 20xx, Vehicle Management System of Bank of China * * Sub-branch, Work Guidelines of Bank of China * * Sub-branch, Comprehensive Training System for Employees of Bank of China * * Sub-branch, Comprehensive Inspection System of Bank of China * * Sub-branch and Publicity Report of Bank of China * *.
Three. Existing problems and improvement plans
The main problems are as follows: first, we should constantly strengthen the refinement of internal control operation; Second, we should continue to strengthen research and further deepen our understanding of the development of grass-roots branches and the ideological dynamics of employees; Third, we should constantly strengthen the study of employees' ideological, political and professional knowledge. Further improve and cultivate the quality of employees.
In order to solve the above problems, in 20xx, this branch will make more attempts in internal control management and process integration in accordance with the working idea of "improving efficiency, optimizing processes and comprehensively improving the experience of employees and customers" established by the provincial party committee, closely focusing on the working goal of promoting business development. First, strengthen comprehensive risk prevention and control, further strengthen staff learning and training, improve the overall quality of staff, make a good talent reserve for the construction of 20xx operating post team, and lay a good foundation for opening new outlets next year; Second, strengthen the construction of the party group, further strengthen the implementation of the party's spirit, and at the same time study the "eight regulations" in depth, closely combine the construction of the party group with the development of sub-branches, strengthen the ties between leading cadres and the masses in party member, and give full play to party member's vanguard role and fighting fortress role; Third, do a good job in all aspects of civilized and high-quality service, further improve the skills and operational level of employees, strengthen their awareness of civilized service, optimize the service efficiency of outlets, reduce business mistakes and customer complaints, and strengthen reputation risk management.
It is believed that with the joint efforts of the staff of the whole bank, the sub-branch will further unite people's hearts, unite the powerful driving force of development, and make greater and more steady steps and achieve greater achievements in the new period of the second take-off of Honggutan.
Experience in internal control of banks II
In the fourth quarter, the sub-branch strengthened its internal control management, took effective measures to strengthen the implementation of the system based on the principle of operating according to law and preventing cases and accidents, and effectively prevented and put an end to all kinds of cases and accidents, laying a good foundation for the healthy and stable development of various businesses of the sub-branch.
First, strengthen business risk verification.
Strengthen the management of high-risk tellers and high-risk business links, conscientiously implement the verification system, continuously strengthen supervision and verification, strictly adhere to the principle of "who checks, who is responsible, who responds", carefully analyze and judge every risk event, and ensure that all possible risk events are verified, discovered and disposed of in time.
For the problems found in the inspection of departments at all levels, it is clear that the special person will make timely rectification, verify and reply to the inquiry in time. At the same time, use the morning meeting to comment on the work of the previous day, and adopt the method of combining praise and criticism, reward and punishment to reduce mistakes and improve business operation level.
Second, improve the management performance of department heads.
Sub-branches require department managers and operation authorized personnel to firmly establish the consciousness of "guarding the land and being responsible", earnestly assume the responsibility of control and on-site management when the incident occurs, do a good job in the basic management of business operations, effectively eliminate potential risks, and ensure that the business of each department occurs objectively, accurately and truly.
At the same time, the branch made full use of the business monitoring system to strengthen the daily monitoring of risk events such as large deposit and withdrawal, abnormal fund transfer and illegal account opening. Important business, important links, important parts and important time periods are included in the scope of daily inspection, and cases are prevented by surprise inspection and rolling inspection.
Third, strengthen the risk prevention awareness education of employees.
Sub-branches require presidents in charge and department heads to regularly educate and guide employees to enhance their awareness of risk prevention in their daily work. They can't relax in the process of business operation. They should implement the awareness of risk prevention in all aspects of business operation to prevent touching the red line of "five prohibitions" illegal operation. Combined with business risk cases, educate employees to establish awareness of case prevention and self-protection, enhance their sense of responsibility and the consciousness of implementing rules and regulations, and prevent random operations from causing risk events.
Sub-branches always adhere to the system of twice-daily morning meetings and once-a-week departmental regular meetings, report and publicize cases, strengthen institutional learning, strengthen the education of compliance and clean government for employees in view of the complex social and economic situation, carefully calculate economic accounts, family accounts, credit accounts and future accounts for employees, and educate everyone to understand the situation and grasp themselves well. Through this extensive, in-depth and continuous education and study, employees are encouraged to consciously stay away from illegal business operations and economic crimes.
Experience of internal control in banks
Over the past month, under the leadership of the municipal bank, the Bank has actively carried out internal control education and learning activities for employees of Bank of China Limited (20xx Edition) and Bank of China Limited (20xx Edition). Through self-study and concentrated study of banking organizations, I have further improved my understanding of internal control of bank risks, got a more detailed understanding of 306 behaviors in three chapters and 28 sections involved in the Disposal Measures, and got a clearer understanding of various regulations closely related to me and job responsibilities. He has a deep understanding and experience of the irregularities in the security control and prevention of teller bills by cash teller, savings and ATM business, foreign currency exchange, bank card and online banking and their handling methods. In addition, they also have a deep understanding of management dereliction of duty, financial market business, human resource management, archives and security violations and their handling methods. The following is my experience in learning how to deal with it:
After the city bank launched this internal control education and learning activity, I first attached great importance to it ideologically, actively implemented the principles and policies of the city bank, carefully studied two handling methods, and consciously took notes. Through the study, I deeply realize that the handling mode plays an escort role in the forward development of China Bank and is the cornerstone of the development of various businesses of the bank; At the same time, I deeply feel that as an employee of Bank of China, we must take the rules and regulations in the Measures as our code of conduct everywhere. Only in this way can we become a qualified and educated outstanding financial industry worker.
In recent years, some large and small economic cases and liability accidents have occurred in different provinces and cities. The reason is that some of our employees can't agree with the rules and regulations ideologically, ignore the rules and regulations, completely ignore or fail to handle various businesses in accordance with the rules and regulations, which leads to some potential risks, being used by criminals and causing some irreparable losses. Therefore, we should seriously study and deeply understand the provisions of the Measures, enhance our awareness of self-protection and grasp risk control.
Through this study, I will try my best to compare some shortcomings in my work. First, I will strengthen the study of various rules and regulations, be familiar with and master the requirements of rules and regulations, and improve my professional ability and risk control ability. Second, I love my post, enhance my pride as an employee of BOC, love my job, work hard, be loyal to my duties, be a responsible employee, work hard, be a clean and honest person, and be a self-disciplined middle level.
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