Paper on the Construction of Financial Professional Ethics

Introduction: Professional ethics refers to the code of conduct that practitioners should follow in their professional activities, covering the relationships between employees and clients, 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, which serve to adjust the relationship between people, people and society, and people and nature, and 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 maintained 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 people and nature. Financial professional ethics, at the same time, is determined by professional relations. Professional ethics refers to the code of conduct that people engaged in a certain profession 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 code of thought and behavior 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) the ideal of financial professional ethics.

Ideality refers to the norms that guide and constrain people's behavior, both from reality and beyond reality. The behavior advocated by morality is not all what people have done, but what people should have; It is not only what people can do, but also what people can do through hard work. Because of this, financial professional ethics will become the spiritual force to guide employees and become the spiritual pursuit of financial employees.

2) the consciousness of financial professional ethics.

in the final analysis, morality appeals to inner belief, voluntary rather than compulsion. The regulation of social relations by law relies on the external compulsion of state power and judicial organs, while morality relies on public opinion and inner beliefs, appeals to personal conscience and consciously chooses behavior. It can be seen that financial professional ethics requires employees to standardize the external financial work rules and constantly internalize them into their own conscious and voluntary thoughts and behaviors through education, study and practice.

3) the universality of financial professional ethics.

The law always regulates various social relations within the scope of legislation, which is always limited relative to social life. Morality not only intervenes in matters within the 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 real society involve the problems of "rationality and irrationality" and "should it not". The financial professional ethics based on the characteristics of moral universality is also extensive, which involves all aspects of financial work. 4) Stability of financial professional ethics. Stability is based on the length of moral action. Morality can go deep into people's hearts, become beliefs and emotions, and become an integral part of national traditional habits and social psychology. Financial professional ethics should be the norm of long-term and stable thinking and behavior in the financial industry. Only permanent and stable professional ethics can be beneficial to the construction of socialist morality 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.

"customers" are the clients of the financial industry under the conditions of market economy. In our socialist China, the vast number of customers are actually the people. The interests of customers are greater than the sky, that is, the interests of the people are greater than the sky. We should firmly establish the core concept of serving the people, which is the first and most important moral norm for the employees in the financial industry and 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. can only achieve the business goal of maximizing profits by insisting on putting customers in the supreme position and providing quality services to customers. 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 a concrete manifestation of the imaginary 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) the lifeline of the financial industry that adheres to the principle of "honesty" is unshakable.

a 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. Taking honesty as the foundation, the financial life mansion will be more stable, and the social economic system will be more stable. As financiers, we are proud that the financial industry can bring benefits to countless people, but pride at the same time tests our definition of credit in people's minds. When faced with the temptation of huge interests, whether you will strengthen your principles, whether you will let credit not deteriorate and remain, it is worth having a strong soul to occupy the root of evil. Honesty and strict adherence to credit are the basis for the development of the financial industry under the socialist market economy and the foundation for 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 solid credit relationship with customers. Therefore, the financial professional ethics of "honesty" is the lifeline of the financial industry. Throughout the whole economic system, honesty is undoubtedly the basic rule of social games, and contempt for 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 in their work. For example, bank employees should use their exemplary behavior to maintain the image of "iron account, iron fund and iron abacus"; Insurance employees should explain the terms clearly when facing customers; Securities and futures employees should truly present all the data and terms, and strive to be faithful, noble in moral 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 knows, keeps and salutes, and he must always follow certain manners everywhere. Financial etiquette accomplishment refers to the self-exercise and self-transformation of etiquette, morality, consciousness and other aspects of employees in the financial industry in order to achieve organizational goals, in accordance with certain etiquette standards, combined with the characteristics of the financial industry. It is also a specific regulation of personal appearance, appearance, speech, manners, treatment of others, and the external expression of spiritual connotations such as personal moral quality, cultural accomplishment, and education conscience. Its core is to respect others, be kind to others, and be consistent in appearance. "Dress properly, pay attention to words and deeds, pay attention to etiquette and pay attention to self-cultivation". The service personnel in the financial industry can reasonably use etiquette norms in their work, which can not only create a good image of service personnel and financial enterprises, but also establish service norms and service skills that are popular with customers, and enable service personnel to win understanding, goodwill and trust in their dealings 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 of improving double benefits and competitiveness. For service personnel, how to do a good job in service requires not only professional skills, but also the understanding of service etiquette norms: warm and thoughtful attitude, keen observation ability, good language expression ability and flexible and standardized event handling ability. Etiquette accomplishment 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 financial industry's requirements for employees' business and professional ethics

In previous academic discussions, many viewpoints were to compare the financial industry's employees' business requirements with financial professional ethics, and the scientific connotation of financial professional ethics was not well understood. The regulations on job responsibilities within the industry require both the professional ability and professional ethics of employees. "Fast and efficient, pioneering and innovative" is the requirement of 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 work better in applying theoretical practice. Therefore, in the specific work practice, it is impossible to completely separate the financial professional ethics from the business. On the contrary, the financial industry should organically integrate the professional ethics into various specific business work. As a financial industry, we should not only stick to our duties and posts, but also stick to our enthusiasm and hope for finance. We do what we can with our heart, stick to our inner dedication to finance, adhere to the habit of perfect style, strictly regulate our moral standards, and adhere to the cultivation of financial professional ethics. ;