What is compliance? It means conforming to the standards. In any place, there will be its own rules. It is easy to see that there is no rule without rules, let alone a bank. The following is compiled by me for everyone. "Four articles on banking compliance experience" are for reference only and everyone is welcome to read them. Chapter 1: Experience on Bank Compliance
Recently, the Provincial Bank of China launched a special education and learning activity of “Start from Me, Compliance Operations”. During the learning activities, I followed the relevant regulations issued by the Provincial Bank of China. Based on my opinions on the activities, combined with my actual situation at work, I have a deeper understanding of professional ethics and integrity, awareness of compliance operations, and awareness of supervision and prevention. Now I will summarize some experiences from this learning activity, which is also my rational understanding of this educational learning activity.
1. Dedication to work and selfless dedication
Dedication in the ordinary. Dedication to work and dedication is the most common spirit of dedication in all walks of life. It seems ordinary, but in fact it is great. From a large perspective, a career and a job position are the basic guarantee for a person's survival and development. From a small perspective, for example, in our Agricultural Bank of China, the job position held by each person is the guarantee of personal survival and development, and it is also necessary for the existence and development of the Agricultural Bank of China. If the Agricultural Bank of China wants to develop, continue to grow stronger and remain invincible in this highly competitive financial industry, it cannot do without the selfless dedication of each of our comrades. As a member of the ABC, for the future of the ABC and for the honor of the ABC, being a dedicated person is the most important behavioral rule for us to standardize the quality of behavior and evaluate good and evil.
As employees of a financial unit, they should pursue morality and morality in their profession. If they go the wrong way, they will make mistakes and lose their way; if there is no morality, it will be difficult to serve the people. If you do not serve, you will not be able to talk about your own career, there will be no prosperity for the unit's business, there will be no development of personal career, and the social value of personal existence will be lost. I am now working in the Agricultural Bank of China. This is my profession and my career. Since I started working, I have been engaged in this profession and have always loved this profession. I have a strong interest and deep feelings for the work of the Agricultural Bank of China, so I He has always been dedicated to his job. Only dedication and dedication are the concrete embodiment of my spirit of serving the people.
Professional ethics must also be honest and trustworthy. The so-called honesty means loyalty, loyalty and honesty. The so-called keeping one's word means keeping one's word, being trustworthy and trustworthy, and fulfilling one's obligations. Therefore, through this study, I have a deeper understanding of the fundamentals, conduct, words, deeds, and responsibilities of an ABC employee. That is to continuously strengthen learning at work, always demand myself in accordance with professional standards, and work hard to achieve success. Make yourself invincible.
2. Strengthen the learning of business knowledge and improve the awareness of compliance operations
"There is no rule without rules." As a front-line employee of an outlet, we must effectively improve our business quality and risk prevention capabilities, and comprehensively Strengthening counter marketing and counter services is the most practical task of our counter staff. As a teller clerk, I know the importance of teller work because it is the window for customers to directly understand our bank and serves as a bridge between customers and the bank. Therefore, in my work at the counter, I always insist on being a "careful person". Learn business humbly, practice skills with heart, handle business patiently, and treat customers enthusiastically. In the increasingly fierce competition in the banking industry, we are all clearly aware that only more patient, thoughtful, fast and high-quality services can win more customers for our bank and win a better social image. We face all kinds of customers at different levels and all kinds of things every day, which requires our front-line employees to have a high degree of ideological awareness.
Strengthening the awareness of compliance operations is not an empty talk.
Sometimes, we always feel that some rules and regulations are restricting the management of our business and restricting the development of our business. If we think about it carefully, this is not the case. The establishment of various rules and regulations is not the product of imagination, but the result of experience. Based on many practical work experiences and lessons, only by acting in accordance with various rules and regulations can we have the ability to protect our own rights and interests and safeguard the rights and interests of our customers. Our various rules and regulations are like a huge machine. Each system is a machine part. If we do not operate and maintain it according to the procedures, even one missing nail will cause immeasurable losses. , the maintenance and implementation of various systems must be strictly implemented by our employees. Just as the violations mentioned in the third case of "Violation and Discipline Warning Cases", if there is no carelessness of the teller Huang Qiqin, he does not sign out of the system temporarily, and there is no cashier. Yan Zhaoxia's indulgence and the fact that the Dawu branch itself did not follow the rules and asked the head teacher to take over the work meant that Ming Youguang's illegal behavior could not succeed. Later, the connivance and protection of Dawu Branch also led to the extension of Ming Youguang's illegal behavior. A glimpse of a leopard can be seen from time to time. The implementation of rules and regulations is not implemented by one person, but by a collective mutual restriction and supervision.
3. Strengthen the implementation and supervision of rules and regulations and awareness of case prevention
Banks are known as the "Three Irons": "iron system, iron abacus, and iron ledger". It is precisely because of the bank's "iron abacus" "Three irons", banks are trustworthy in the hearts of the people. Whether the rules and regulations are implemented or not depends on the employees' clear understanding and proficiency in various rules and regulations. Failure to comply with the rules and not evade the rules are the key issues in various industries. As for the implementation of rules and regulations, front-line tellers must start with me from the inside, handle every business correctly, carefully review every bill, and supervise authorized business. Legal compliance, strictly implement business operating system security precautions, resist various illegal operations, etc., do a good job of mutual restraint and mutual supervision, and cannot deviate from the rules and regulations to hinder colleagues or one-sided pursuit of economic benefits. Only by following the rules can our system be implemented and the safety of our funds be guaranteed. All rights reserved!
In recent years, economic cases in the financial system have not only disrupted the economic and financial order, but also seriously damaged the social credibility of banks. It is new to take corresponding measures to strengthen prevention at the source. It is an important line of defense against financial crimes during this period. One of the important reasons why bank professional crimes have been on the rise in recent years is that ideological education has been ignored. Usually, only the importance of business work is emphasized, and the ideological construction of cadres and employees is ignored. Correctly handling the relationship between ideological and political work and business work requires both positive education and regular case warning education, so that cadres and workers can strengthen their ideological defense lines and often warn themselves "Don't reach out, otherwise you will be caught." In order to lay a good mass foundation and ideological foundation for eliminating financial crimes, we must consciously walk by the river without getting our shoes wet. Improving rules and regulations and strict internal management are the guarantees for the prevention of economic cases. , on the one hand, we must organize learning based on the characteristics of our front-line teller work, and through learning, ensure that personnel in each position can truly clarify their responsibilities, detail the system, and operate strictly. Effective prior prevention and supervision are important links in preventing economic cases. This position. Self-examination and self-immunization are the first priority; secondly, regular or irregular self-examination, superior inspection, study abroad, cross-examination and other methods can be adopted to promptly discover and correct deviations in business work. Effective internal control and restriction in all aspects.
Through this compliance education activity, I have found my correct value orientation and standards of right and wrong, found a correct footing in my work, enhanced my awareness of compliance management and compliance operations, and through in-depth understanding of relevant systems Study, have higher requirements for improving one's business quality and consciousness of implementing the system, enhance the ability to identify and control various risks in business, actively standardize operating behaviors and eliminate risk hazards, and build confidence in the reform of the Agricultural Bank of China. Strengthening the sense of responsibility and mission to safeguard the interests of the Agricultural Bank of China and establishing a good compliance culture have all been of great help. Part 2: Experience on bank compliance
Through the previous stage of the "big investigation" activity of case risks, I deeply realized that compliance cultural education activities were formed in a specific historical period with the characteristics of rural cooperation. The educational methods on the characteristics of banking finance and the corresponding governance systems and organizational forms are the values ??that rural cooperative banks believe in and learn from the governance experience and methods of the Basel Committee on Banking Supervision and put them into practice, which embodies the value of cooperative bank employees. Principles, business concepts, behavioral norms, common beliefs and creativity, cohesion, and combat effectiveness are the strong political and organizational guarantees for promoting the reform and development of rural cooperative banks. It can be said that the implementation of this activity allowed me to further understand my job responsibilities, purify my thoughts, and improve my leadership capabilities. Now, let me share some of my opinions on what I gained from this study.
1. Strengthening compliance culture education is the need to improve the level of business governance
Carrying out compliance culture education activities has a positive effect on standardizing operating behaviors, curbing violations of laws and disciplines, and preventing the occurrence of cases. profound meaning. In accordance with the requirements of "one position, two responsibilities", we must conscientiously perform our job responsibilities. In particular, we must focus on strengthening the study of political theory, economics and finance, laws and regulations, etc., constantly improve our overall quality, and strengthen our ability to argue clearly and resist corruption. The ability to guard against change, and to be firm and clear-headed in the face of major issues of right and wrong. At the same time, it is necessary to further correct the guiding ideology of operations, enhance the awareness of prudent operation in accordance with laws and regulations, guide the bank's various operating activities on the right track, and promote the healthy and effective development of various businesses.
We must develop a truth-seeking and pragmatic style within our bank, form a business style of telling the truth, reporting the truth, taking practical measures, doing practical things, and being pragmatic and effective, create a good business environment, improve governance levels, and be strict Discipline, strict responsibility, strict implementation, strict control of various moral risks, operating risks and governance risks, and maintain and enhance the image of rural cooperative banks. On the one hand, it is necessary to improve the familiarity of all employees in strengthening corporate compliance culture education. The cadres and employees of the entire bank are the main body of the construction of corporate compliance culture of Quanzhou Rural Cooperative Bank, and they are also the practitioners and creators of corporate compliance culture. Without the majority of employees Without active participation, it is impossible to build an excellent compliance culture enterprise, let alone to make employees comply with the law. Through a series of activities, all employees can accurately grasp the true scientific connotation of corporate compliance culture construction, consciously integrate into the corporate compliance culture construction, enhance the awareness of internal control and governance, pay close attention to basic governance, and promote legal and compliant operations.
2. Strengthening compliance culture education is the need to establish a long-term development mechanism
The construction of corporate compliance culture education is a huge and systematic project that cannot be achieved overnight built. It is necessary to reasonably determine development goals, have certain planning goals within a period, and finally establish a mechanism that adapts to the long-term development of the enterprise. From our perspective, it should include corporate spirit, values, corporate goals, corporate systems, corporate environment, corporate image, corporate etiquette, corporate logo, etc., to form a cultural management concept with its own characteristics. First of all, it is necessary to take the form of going out, inviting in, etc., through learning, exchanges, and discussions to make all employees aware of how rural cooperative banks should develop, how employees should do their jobs well in their own positions, and how they are different from other employees. How big should it be, and how to improve it; finally, we must combine the actual work, conscientiously carry out standardized services, and conduct special studies on some detailed and difficult issues in accordance with the provisions of various regulations of the head office.
For the current business operation and counter service situation, we must carefully summarize and segment customer groups and business needs, integrate limited resources, and brainstorm on service focuses where there are major contradictions and service difficulties, open up ideas, constantly innovate service methods, and maximize Satisfy customer needs to the maximum extent and enhance the essence of corporate compliance culture.
3. Strengthening compliance culture education is the need to improve economic efficiency
The main purpose of strengthening compliance culture education is to reduce financial risks by improving the cohesion and centripetal force of enterprises. To maximize corporate benefits. In work, we should do the "three essentials". First, we must establish correct guiding ideology. It is necessary to pay attention to the security and liquidity of funds while pursuing profits, and to prevent the tendency to ignore risk prevention and the construction of internal control mechanisms in the pursuit of high-speed business growth. In particular, we must prevent companies from speculating on banks. A project will inevitably lead to competition from multiple banks. In the competition, companies will definitely put forward some unreasonable conditions to allow banks to increase loan risks. We must weigh the pros and cons carefully and avoid losing watermelons for sesame seeds. It is better not to develop than to develop blindly and cause new capital accumulation. Second, we must establish and improve various rules and regulations. We must always put system construction in a prominent position, focus on using systems to restrain people, and use systems to regulate daily behaviors. To this end, it is necessary to formulate and improve a series of rules and regulations based on the actual work, insist on using the system to standardize the business operation process, ensure that there are rules to follow, effectively plug various loopholes, prevent the occurrence of violations, and ensure that every link is not Something went wrong. It is necessary to conscientiously learn from advanced international experience, actively use modern scientific and technological means, and establish and improve a monitoring, assessment and early warning system covering all business risks. It is necessary to pay attention to loan risk concentration and credit monitoring and risk warnings of affiliated enterprises, pay attention to early warning, and conscientiously implement major defaults. Situation registration and risk warning system. It is necessary to establish and improve the internal control system to ensure the safety, liquidity and efficiency of operations, establish a check and balance mechanism of self-adjustment, self-restraint and self-control, and establish and improve the internal control system of continuous self-improvement in the process of pursuing self-economic interests. Strengthen operational risk prevention. Fourth, we must persist in ideological education. We must firmly grasp the important link of ideological education, regularly carry out the study of relevant rules and regulations, carry out targeted education on party style and clean government, continuously enhance the awareness of operating in compliance with laws and regulations, and use the financial system around us to Cases that have occurred are presented with personal accounts, so that all employees can always keep a clear head and consciously resist the erosion of all kinds of decadent ideas. Part 3: Experience on bank compliance
As the saying goes, “Without rules, there is no circle.” This is a simple explanation of the importance of compliance culture and is an everlasting law of social development and human progress. . If we compare the work of ABC to an astronomical number, then compliance is 1, and our efforts, sweat, honor, and dedication all form a long string of 0s. Without compliance, no matter how many 0s there are, It doesn't make any sense at all.
"Don't you think it's troublesome? I have to compare the seals for a long time every time. I come here often, can I still fake it? It's too serious!" "I forgot my ID card, so I You live near here, help me count the money first, and I will send you the ID card soon. It's okay, don't be too serious." "We are a couple, whoever signs is not the same, you are too serious. "At work, this happens from time to time. "Being true" sounds rather dismissive, but if you think about it carefully, it is actually not the case. Our "being true" comes from respect for the profession and compliance with the system, which is the premise and foundation for doing our job well.
To give a common example, in the bank’s personal business over the counter, the four types of high-risk businesses are relatively special businesses: replacing damaged cards, reporting losses and replacing cards, rewriting magnetic stripes, and resetting passwords. One of the steps is filling out the Special Business Information Checklist. For this link, some customers may have vague answers to some of the required and optional questions in the information form. However, our tellers sometimes see customers in such a hurry and rush to handle the matter. As everyone knows, this behavior is absolutely undesirable and will cause potential risks.
The financial industry is a high-risk industry. Many rules and regulations seem to restrict the management of business. In fact, if you think about it carefully, the establishment of so many rules and regulations is based on many work experiences. It comes from lessons. Judging from the case prevention and control materials sent to us by branches and sub-branch departments, which case was not caused by violations? Which painful lesson was not caused by non-compliance? In counter service, what we do is not just an ordinary smile, but use unchanging sincerity and love to turn the three-foot counter into a position to serve customers. It is not just simple collection and payment, but It is to use professional ethics and attitude to turn the three-foot counter into a stage for compliance construction.
"The affairs of the world are not difficult to legislate, but difficult to implement according to the law; it is not difficult to listen to words, but difficult to speak effectively." Compliance is easy to say, and it is not difficult to write it out. Make compliance your awareness and persevere. When some employees are inspected and found to have problems, someone always defends the violation with plausibility. Some said it was sloppy and the minor problem would be corrected next time; some said it was a trivial risk and experience told me there would be no problem; some said it was a habit and I had always done it this way. , no fuss. But I want to say, please don’t do evil things because of small things. No matter how big or small the violation is, you must not do it! Yesterday’s lessons are still fresh in our minds, and the warning bells still sound. The preparation of a shocking case depends on favors and habits. One link, one process, one person, one thing, even a small seal, will cause a battle between violations and compliance! Compliance must not be sloppy, and there is no excuse for violations! Only by conscientiously following the rules will the sins end and the tragedy not happen again.
Only by strictly following the rules, being cautious about small things, carefully studying the rules and regulations in business and laws and regulations, and quickly grasping what can and cannot be done within the scope of the regulations; what should be done and what should be done. What should not be done is to keep our rules and regulations in mind, handle every business correctly, review every bill carefully, and act in accordance with the rules from beginning to end, so that we can provide good counter service and maintain the first barrier to customers. Only by letting "compliance" penetrate into everyone's consciousness, turning consciousness into behavior, and making behavior a habit, can civilized and high-quality services have a more solid guarantee.
Let’s think about it together, have you ever used an expired ID card to report the loss of a passbook to a customer without noticing it yourself? Have you ever missed registering a large withdrawal due to temporary fatigue? Have you ever used the excuse of frequently handling credit business for the same customer to not check their information item by item? In order to provide convenience to customers, have you ever worn multiple hats when operating business, including handling, reviewing and even approving?
As a young generation, it is inevitable to have flamboyant, unconventional and impulsive personalities in life and it is difficult to fit in with the strict rules and regulations at work. Maybe you are really tired after a day's work, and maybe physical fatigue makes it difficult to smile. However, civilized service, smiling service, and compliance service should be a kind of awareness, allowing us to act "in accordance with the law and compliance" at work. Be a well-trained bank practitioner with professional abilities, reflect your own style and create collective value.
As a young employee, when you hold the baton from your seniors, you should think about how to make the baton run faster, and even think about how to let the other party hold the baton when the next handover comes. Stronger. As a bank employee, he has to face the situation of "making money every day" and remain calm, and he has to face the attack of "sugar-coated bullets" without panic. "Bridge Time" We must start from every position, every business, and every link, establish the concept of compliance, advocate a compliance atmosphere, and create a compliance atmosphere, so as to achieve "everyone is compliant, everything is compliant, and everything is compliant at all times." compliance” goal. Chapter 4: Banking Compliance Experience
Business development and risk control are eternal topics in the banking industry. Since the birth of banks, how to steadily control risks while developing has become the goal pursued by bankers of all generations.
Traditional banking risks include market risk, credit risk and operational risk. With the gradual development of the market, in the process of pursuing control of the three major risks, the importance of another more basic risk - compliance risk - begins to emerge. Compliance risk plays a fundamental and core role in risk control. Compliance risk not only fundamentally gives banks the guidelines for risk control, but also theoretically plays a guiding role in continuously improving market risk, operational risk and credit risk.
1. The necessity of establishing compliance risk management
If there is no corresponding compliance mechanism construction and compliance culture penetration, banking business management will become vertical and the organizational structure will become flat. ization, it may aggravate the loss of control in all aspects of the bank's internal control and make the bank's internal control mechanism ineffective. my country's banking industry has never regarded compliance as an activity of risk management. Many banks only merge the compliance risk section into the legal department or audit and supervision department, and specific matters are only carried out in accordance with the requirements of the relevant regulatory authorities, and there is no We have proactively established an effective compliance management mechanism, and have not managed compliance as an important source of risk. Compliance has not been a key risk area for banks for a long time. Therefore, it is imperative for domestic commercial banks to establish a long-term compliance risk management mechanism.
2. The importance of establishing compliance culture education
Compliance risk management is not only reflected in a complete compliance system, but also requires the establishment of a strong compliance culture. Compliance culture refers to an atmosphere and mechanism in which all employees from top to bottom within an enterprise actively abide by various rules and management systems and consciously maintain the effectiveness and authority of the rules. In this atmosphere and mechanism, decision-makers at all levels of the enterprise can actively take into consideration the requirements of enterprise risk control and compliance management when making decisions, and use them as the basic starting point for decision-making. Compliance culture is an important part of compliance risk management, and its significance is reflected in preventing risks caused by human beings from the institutional and awareness levels.
Risks are no small matter, so keep compliance in mind. Carrying out compliance cultural education activities has positive and far-reaching significance for standardizing operating behaviors, curbing violations of laws and disciplines, and preventing the occurrence of cases. An important feature of compliance culture is consciousness. The particularity of bank operating activities directly leads to the seriousness of risk consequences. A thousand-mile dike can be destroyed in an ant nest. A small compliance loophole may cause huge losses to the bank. In the collapse of Barings Bank, trader Nick Leeson took advantage of loopholes in the system and operated illegally, causing the century-old bank known as the Royal Bank of England to collapse. The objective reason for this incident was that there were loopholes in the management regulations of Barings Bank, and The direct reason is that traders knew the loopholes in the regulations and exploited them to benefit themselves. It is impossible for a bank's system to be completely free of loopholes. Therefore, compliance culture must not only be reflected in the system, but also need to be reflected in the consciousness and hearts of employees, so that even if employees know the loopholes in the regulations, they will not exploit or violate them. Another important feature of compliance culture is its popular nature, that is, everyone is compliant, so that the concept and awareness of compliance are deeply rooted in the minds of every employee, and thus penetrate into every process and link of business operations. Some cases within banks that have been exposed in recent years just illustrate the superficiality or lack of compliance culture in my country's banking industry. The management concept of "compliance culture" is far from being infiltrated into the daily management and decision-making of banks. In the endless stream of bank cases, it is not the criminals' clever methods, but the lack of awareness of the system among cadres and employees, their indifference to compliance concepts, and poor enforcement. Therefore, strengthening compliance culture education is the need to establish a long-term development mechanism and protect economic benefits.
3. Strengthen compliance management and cultivate compliance culture
1. Develop a scientific and reasonable system and establish an effective compliance department
In compliance In compliance management, a set of effective systems and policies that are in line with the commercial bank's own characteristics must be formulated as the program and guarantee for compliance risk management. The system must be able to quantify risks, clarify responsibilities, and be highly operable.
Not only do we need to have rules and regulations that all employees abide by, but we can also analyze the differences and actual conditions of each department and position, create job manuals and operating procedures, detail the risks in the operation process, and provide a theoretical basis for compliance for each business process. . The system should not be static. It should be continuously improved in practice, and various loopholes caused by discoveries or the emergence of new things should be repaired. Through continuous concreteness and improvement at the institutional level, clear working standards should be established for everything and everywhere. The good atmosphere of strict discipline makes operating in compliance with laws and regulations a conscious behavior of all employees of the bank. At the same time, establishing a strong compliance department can ensure and maximize the role of the system. The compliance department should be full-time, independent, and able to work without interference. The compliance department should recruit high-quality compliance personnel. These personnel should not only have corresponding professional skills, but also be familiar with the bank's operation and management. You must have theoretical knowledge and some practical experience. The role of the compliance department is not only reflected in daily supervision, but also participates in the bank's business operations, constantly sorting out the rules and regulations involved in the bank's business processes, looking for loopholes, ensuring the development of the system, and providing a sound basis for the system.
2. Cultivate compliance awareness and overcome passive psychology
The system can only be improved but not perfect. Therefore, only by strengthening employees’ compliance thoughts and awareness can we achieve “double insurance” . Compliance awareness is an important part of bank culture. To cultivate compliance awareness, we must not only advocate the moral values ??and codes of conduct of honesty, trustworthiness, and integrity, but also allow the compliance concept to penetrate into the minds of every employee and make employees Recognize that compliance is not just a matter for senior management, compliance departments and compliance staff. Every employee should participate in compliance management and perform their responsibilities, and senior managers should set an example and strengthen compliance in the decision-making and management process. awareness of regulations, and supervise all departments to establish compliance management concepts. Only with the participation of all employees in each department and a deep understanding from top to bottom that "compliance starts with me and starts from now" can we create a compliance atmosphere with an internal integrity code. In the treasury theft case of Handan Agricultural Bank of China, the treasury clerk stole tens of millions of yuan in cash. It was impossible to transfer such a huge amount of cash in a short time, so the criminals also developed several thiefs. In a short period of time, no abnormality was found in the entire bank. The bank's internal control system is poorly implemented and the staff's awareness of prevention is not strong, providing objective conditions and convenience for criminals. If during daily inspections, human feelings replace systems and emotions replace supervision, then rules and regulations will become empty talk.
3. Establish an effective supervision, incentive, reward and punishment mechanism
To make the implementation of the compliance system effective, an effective supervision and reporting mechanism must be established and a conscious and proactive Awareness of supervision. It is necessary to establish an accountability system covering every manager and employee, emphasizing that "compliance management and operation" is the unshirkable responsibility of every employee. It is necessary to implement detailed identification of responsibilities, and identify the relevant responsible persons for each violation. At the same time, the leadership must establish a correct understanding, ensure that every system and every notice is carefully organized to study and understand, and ensure that the rules are communicated in place. Banks should establish a positive incentive mechanism and combine the effectiveness of internal control management with an evaluation mechanism. The evaluation mechanism should reflect the importance of internal control and compliance, adopt a comprehensive evaluation method to implement performance appraisal, and give bonus points to those who perform well in complying with the system. Compliance Those who do poorly in management will be given points deductions, and those who report significant compliance risks will be rewarded. The results of active exploration and realization of internal control can be assessed simultaneously with the goals of each department and linked to the performance appraisal of managers at all levels to guide and promote the realization of internal control management goals. In addition to performance appraisal, it is also necessary to formulate additional compliance management reward and punishment systems, establish compliance quality awards, and adopt measures such as target incentives, performance incentives, and material incentives to motivate employees to operate in compliance. Recognize and reward departments and individuals who have implemented the internal control system well, so that outstanding personnel in internal control management can feel a sense of accomplishment, act as a driving force, stimulate the internal motivation of managers to work hard, and then guide and urge employees to implement high standards for internal control. Pursue.
With the continuous strengthening of economic globalization, it is a general trend for China's banking industry to integrate with international standards, and the importance of bank compliance risk management cannot be ignored. Compliance management is an important part of risk management. Only by implementing it into the operating procedures of each business line and achieving an organic combination of process control, external inspection, and employee self-discipline can all types of undue risks be reduced. The construction of CCB's compliance risk management has a long way to go and requires the joint efforts of every CCB employee.