Lead: Professional ethics refers to the code of conduct that employees should follow in their professional activities, covering the relationship between employees and customers, occupations and employees, and occupations and occupations. The following papers on the construction of financial professional ethics are compiled by me for everyone, hoping to help everyone!
1 Characteristics of financial professional ethics
Morality and professional ethics are produced in certain productive forces and economic relations, and are used to adjust the relations between people, people and society, and people and nature, and to maintain the order and development of human society. Financial professional ethics belongs to morality first. Morality is a unique phenomenon in human social life. It is ultimately determined by social and economic living conditions, based on good and evil, and sustained by public opinion, traditional habits and people's inner beliefs. It is the sum of principles, norms, psychological awareness and behavioral activities to adjust the relationship between man and nature. Financial professional ethics is also determined by professional relations. Professional ethics refers to the code of conduct that people engaged in a certain occupation should follow in their work and work, and it is a code of conduct that is stipulated for all kinds of employees and plays a self-restraint role. Financial professional ethics is the thought and code of conduct that financial practitioners should follow. Therefore, financial professional ethics not only has the basic characteristics of morality, but also has the uniqueness of the industry.
1) ideal of financial professional ethics.
Ideal refers to the norms that guide and constrain people's behavior, both from reality and beyond reality. The behavior advocated by morality is not what people have done, but what people should have; Not only can people do it, but they can do it through hard work. Because of this, financial professional ethics will become the spiritual strength to guide employees and become the spiritual pursuit of financial employees.
2) Financial professional ethics awareness.
Morality, in the final analysis, appeals to inner beliefs, voluntarily rather than compulsively. The regulation of social relations by law depends on the external coercion of state power and judicial organs, while morality depends on public opinion and inner beliefs, resorting to personal conscience and conscious choice behavior. It can be seen that financial professional ethics requires employees to standardize external financial work rules through education, study and practice, and constantly internalize their own voluntary thoughts and behaviors.
3) The universality of financial professional ethics.
Law always adjusts various social relations within the scope of legislation, which is always limited relative to social life. Morality not only intervenes in matters within the scope of law, but also intervenes in all relations between people and between people and nature. Morality also permeates all fields of social life, and all kinds of political, economic and cultural behaviors in the real society involve the issues of "rationality and irrationality" and "whether it should be". Financial professional ethics based on moral universality is also extensive, which involves all aspects of financial work. 4) Stability of financial professional ethics. Stability is based on the duration of moral behavior. Morality can be deeply rooted in people's hearts, become beliefs and emotions, and become an integral part of national traditional habits and social psychology. Financial professional ethics should be a long-term and stable thought and behavior norm in the financial industry. Only lasting and stable professional ethics can be conducive to socialist moral construction and the development of financial industry.
2 the basic connotation of financial professional ethics
1) The interests of customers are greater than the sky, and the interests of the people are greater than the sky, firmly establishing the core concept of serving the people.
"Customer" is the customer of financial industry under the condition of market economy. In our socialist China, consumers are actually people. The interests of customers are greater than the sky, that is, the interests of people are greater than the sky. To firmly establish the core concept of serving the people is the first and most important moral standard for employees in the financial industry, and it is the concrete embodiment of building the party for the public, governing for the people and serving the people wholeheartedly. Commercial banks, securities and futures, insurance, investment, etc. Only by insisting on putting customers in the supreme position and providing customers with quality services can we achieve the business goal of maximizing profits. Only by providing customers with excellent services such as deposit and loan, settlement and information consultation can the financial industry realize its own profits on the premise of satisfying customers' interests. Only by adhering to the core concept of truly serving the people in financial professional ethics can it be realized, otherwise it will be empty talk. Serving the people is also in line with the core values of socialist morality, that is, it is also the concrete embodiment of the fictional characteristics of financial professional principles in reality. Serving the people is not a slogan, but a spiritual pursuit of financial professional ethics, an inner idea, and an idea that all financial workers agree with and are willing to practice.
2) Adhere to the "honesty-oriented" lifeline of the financial industry.
People can't stand without faith, and the country is not strong without faith. Indeed, honesty is the premise for everyone to settle down, and it is also the benchmark for the prosperity of every industry. Financial integrity is based on money and wealth, but it is more precious than those tangible wealth. Based on honesty, the financial life building will be more stable and the social and economic system will be more stable. As financiers, we are proud that the financial industry can bring benefits to countless people, but pride also tests our definition of credit in people's minds. When faced with the temptation of huge interests, will you stick to your principles, will you keep your credit intact, and it is worth having a strong soul to occupy the root of evil. Honesty and trustworthiness is the basis of the development of financial industry under the condition of socialist market economy, and it is also the basis of the development of financial undertakings. The financial industry specializes in currency, a special commodity, and the particularity of its business activities determines that it must rely on establishing a stable credit relationship with customers. Therefore, the "honest" financial professional ethics is the lifeline of the financial industry. Looking at the whole economic system, honesty is undoubtedly the basic rule of social game. Ignoring honesty will bankrupt your own credit. Therefore, employees in the financial industry should not only strictly implement the financial policies, regulations and decrees of the party and the state, but also be conscientious and meticulous. For example, bank employees should use their exemplary behavior to maintain the image of "iron account, iron fund and iron abacus"; Insurance practitioners should explain the terms clearly when facing customers; Securities and futures practitioners should truly present all the data and terms, and strive to be honest-oriented, noble in character, clear between public and private, strictly confidential and ensure credibility.
3) Adhere to etiquette and improve service quality.
Etiquette, as a code of conduct and norm, is the minimum moral code of conduct that human society abides by in order to maintain the normal life of society, and it is one of the important contents of morality. A moral person is often a person who combines knowledge and action, and must always follow certain etiquette everywhere. Financial etiquette literacy refers to the self-exercise and self-transformation in etiquette, morality and consciousness of employees in the financial industry in order to achieve organizational goals, according to certain etiquette standards and combined with the characteristics of the financial industry. It is also a specific regulation of personal appearance, appearance, speech, manners and treatment of people, and an external expression of spiritual connotations such as personal moral quality, cultural accomplishment and educational conscience. Its core is to respect others, be kind to others, and be consistent in appearance. Dress appropriately, pay attention to words and deeds, pay attention to etiquette, and pay attention to self-cultivation. The reasonable use of etiquette norms by service personnel in the financial industry can not only shape the good image of service personnel and financial enterprises, but also establish service norms and service skills that are popular with customers, so that service personnel can win understanding, goodwill and trust in their contacts with customers. At the same time, as service personnel, learning and using service etiquette is not only the need of their own image, but also the need to improve their double benefits and competitiveness. For service personnel, how to do a good job in service requires not only professional skills, but also knowledge of service etiquette norms: warm and thoughtful attitude, keen observation ability, good language expression ability and flexible and standardized event handling ability. Etiquette literacy is of great significance for improving personal professional level, and at the same time, it further enhances the image of the enterprise or industry it serves.
3. Correctly understand the requirements of the financial industry for employees' business and professional ethics.
In previous academic discussions, many viewpoints were to compare the business requirements of employees in the financial industry with financial professional ethics, and they did not understand the scientific connotation of financial professional ethics deeply. The job responsibilities in the industry require employees to have both professional ability and professional ethics. "Fast, efficient, pioneering and innovative" is the requirement for employees' business ability: "Warm and generous, thoughtful service" is mainly based on the consideration of employees' professional ethics. As a theoretical study, we should clearly see the unique connotation of financial professional ethics, scientifically and completely understand and grasp the essence of financial professional ethics, and only by arming our minds with scientific theories can we make better use of theoretical practice. Therefore, in specific work practice, it is impossible to completely separate financial professional ethics from business. On the contrary, the financial industry should organically integrate professional ethics into various specific business work. As a financial industry, we should not only stick to our responsibilities and posts, but also stick to our enthusiasm and hope for finance. We do what we can with our heart, stick to our inner attachment to finance, adhere to the habit of excellent work style, strictly regulate our moral standards, and adhere to the cultivation of financial professional ethics.
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