Knowledge absorption ability of financial personnel's necessary literacy
The ability to absorb knowledge refers to the ability to learn and absorb new knowledge. In today's era of knowledge economy, new scientific knowledge is constantly emerging and changing with each passing day. It is impossible for everyone to learn all the knowledge and master all the knowledge. In the banking reform in recent years, new financial knowledge has emerged constantly, such as deposit and loan, lending and treasury bond trading, futures, options, interest rate swap and hedging. Therefore, it is impossible for everyone to learn all the knowledge at school or elsewhere. The key is whether they have the ability to learn. With the ability to learn and learn new knowledge, you will have confidence. Are you full of poems and books? As long as you are knowledgeable, your temperament will naturally become elegant. Therefore, learning ability is the first ability that executives should have. To have the ability to learn, we must first be willing to learn, that is, lifelong learning. In the era of knowledge economy, the speed of knowledge renewal and depreciation is too fast. To keep up with the times, you must study all your life, otherwise you will be eliminated.
Therefore, executives of financial institutions must calm down to study, learn knowledge, learn theory, calm down and read documents, learn laws and regulations, and can't read only one topic and one title, only learn general laws and regulations, and can't waste time on playing cards and gambling. Secondly, learning is to apply what you have learned and be good at applying the new knowledge you have learned to practical work, which is the standard to test your learning ability. At present, a considerable number of people in the financial industry have insufficient learning ability. Some people remain old-fashioned after becoming executives. They only know the task and have no new ideas, but their ideas are obtained through learning and accumulating knowledge. Some people study that in the post-knowledge economy era, whether you can win in the market competition depends on who can learn faster than your opponent. To this end, senior executives of financial institutions should learn to learn and be good at learning. Reading is bound to be beneficial, and sitting still will naturally bring many new ideas and methods. In this way, knowledge will be transformed into productive forces. If you are impetuous all day, you will not be able to learn, your ability to master knowledge will be insufficient, and you will not be able to make great progress in your work, let alone innovate.
System design ability of financial personnel's necessary literacy
Whether it is the whole society, an industry or an enterprise, to ensure its operation depends on two major factors, one is the system, and the other is the people. If the system design is reasonable and people operate according to the system framework, then the system can operate normally. Especially the executives of financial institutions? Number one? To be a good person? Designer? Design the financial enterprise system, including company structure, management level and internal control system. As an executive of a financial enterprise, he must have the ability of system design. First of all, we should pay special attention to the design of company structure. Corporate governance structure is an institutional arrangement defined by property rights system, which can reflect the development and changes of the connotation and extension of property rights. This institutional arrangement is essentially a contract between stakeholders of financial enterprises, which is manifested in the institutional arrangement of shareholders' meeting, board of directors, managers and board of supervisors. The governance content includes an incentive and restraint mechanism, which requires us to build a mutual supervision, mutual restraint, scientific, reasonable and efficient operation mechanism, and effectively solve the problems of incentive incompatibility, unequal responsibilities, asymmetric information and incomplete contract under the principal-agent system. Secondly, the internal control system should be designed.
The internal control system is designed by senior executives, and employees will naturally implement it. Then the supervision department will supervise the implementation and check the implementation effect, so that financial institutions can operate safely according to the requirements of the internal control system. Third, we should design the employment system and distribution system. The design of the employment system should give full play to people's talents, so that everyone can find a place to play their strengths. People are the biggest resource and the first resource, and the top leaders must attach importance to the first resource and the optimal allocation of people. The distribution system is designed so that every employee can calculate his labor income according to his own labor results. How do we do this? This is a performance-based pay system, and a calculation formula is designed according to different 2 12 positions. There are two variables and one invariant in this formula. Two variables are employee's job performance and actual income 2 12, and the invariant is income coefficient.
The ability to avoid risks is a necessary accomplishment for financial personnel.
Everything in the world is full of risks, the risks are absolute, the risks are relative, and the risks do not exist. The financial industry is a high-risk industry, coupled with many laws, regulations and responsibility constraints, as a financial executive, he must have the ability to avoid risks. Avoiding risks means asking executives to use their intelligence, market analysis ability and standardized operation to avoid risks, so that risks will not come to the business of financial institutions, nor will they come to the executives themselves, because they will be held accountable for risks. Therefore, risk aversion is not only responsible for the development of financial institutions, depositors and financial consumers, but also for the executives themselves. So how to avoid risks? First, be familiar with and understand the market; Second, we should pay attention to professional ethics.
Moral hazard is intangible, but it is the biggest risk. At present, the issuance and approval of many bank loans are in accordance with the steps stipulated by laws and documents, without careful review, with ethics and quality. Only when each loan is personalized can we effectively prevent loan risks. Third, nepotism must be avoided. For example, at present, the biggest problem of rural credit cooperatives is nepotism, and there are a lot of father-son clubs, husband-wife clubs and brother clubs. These nepotism is an important source of man-made risks in rural credit cooperatives. In other financial institutions? Financial family? 、? Inherit your father's business? And then what? Father and son soldiers, husband and wife shop. This phenomenon is not uncommon. It is impossible for executives to avoid risks if they can't pass the human relationship and jump out of the nepotism network.