"Compliance is everyone's responsibility", which is not only a slogan, but also a spirit. To achieve compliance management, we must always have a compliance heart. Banking is a service industry and a high-risk industry. As a bank employee, it is an important and eternal theme to guard against risks, avoid risks and operate in compliance. As the saying goes, "There is no Fiona Fang without rules", which is an interpretation of the importance of compliance and an eternal law of social development. "Control risk" and "zero risk" are the first principles of commercial banks. To ensure zero risk, we must abide by the law, which requires not only the whole law, but also each individual law. Individual violation means overall non-compliance, so compliance is a requirement for everyone.
Compliance can't tolerate any fluke. Any negligence of 1% may result in a loss of 100%. Shockingly, Societe Generale lost10 billion yuan because an internal trader illegally bought and sold futures. Wang Yi, the former vice president of China Development Bank, took advantage of his position to issue loans to enterprises in violation of regulations, took bribes of tens of millions of yuan, and eventually became a prisoner. Bank risk events emerge one after another. The painful experience tells us that nine cases of violating the rules are a kind of work attitude, not calligraphy printed on paper. What it needs is that everyone keeps practicing.
"The embankment of a thousand miles, collapsed in the ant nest." The outbreak of major risk events is often the accumulation of non-compliant behaviors in employees' daily activities. They should take the initiative to abide by the rules, start from "I", establish four consciousnesses and stay away from risk events. First, we should establish a sense of responsibility. In line with the principle of being responsible for work, colleagues and themselves, we will conscientiously implement various rules and regulations, consciously integrate knowledge with practice, and stand up to the compliance inspection afterwards. The second is to establish a sense of compliance, and the line is destroyed by thinking. We must correctly grasp ourselves and always tighten the string of compliance; Third, establish a sense of confidentiality and establish the principle that there is no trivial matter in confidentiality work; Establish a sense of supervision in private affairs and form the habit of mutual supervision, so as to make fewer mistakes and supervise others not to make mistakes.
As the saying goes, "Rome wasn't built in a day" and "old habits die hard". A man's enemy is himself. It takes a lot of courage and perseverance to correct bad habits. But no matter how hard it is, you must overcome yourself. As long as everyone has established a sense of compliance and developed good work habits, it is natural to achieve comprehensive compliance management.
2. Compliance experience of bank employees.
Taking part in the study and training of comprehensive tellers in the head office, I personally feel that as a comprehensive teller in a grass-roots branch, I should improve my requirements in all aspects. I would like to thank the Head Office for its careful arrangement and excellent lectures, which have significantly improved my compliance awareness and theoretical basis. The following are my thoughts and experiences: being a practitioner of compliance operation. Compliance management has always been the inherent requirement of the steady operation of the banking industry, the duty that every employee must perform, and the most basic requirement for safeguarding the eight rights of financial consumers, such as the right to property safety and the right to know. Whether the compliance operation is strictly implemented will affect the sustainable and healthy operation of the whole bank. The seemingly insignificant illegal operation may actually bring us a heavy lesson and cost. Rules and regulations can't be simply said, and we can't relax our vigilance just because some customers are acquaintances. Only by strengthening the study of our own business knowledge, raising the awareness of compliance management and sounding the alarm can we really and effectively improve the service quality.
Be a high-quality and civilized server. As a financial service industry, the service level of banks has become an important factor to attract customers. In this fiercely competitive market environment, the idea of "building a people's bank with temperature" put forward by the provincial association has become our knowledge and the core competitiveness of our rural commercial banks to provide customers with quality and civilized services. We should always stand in the customer's point of view, understand the real needs of customers, solve their practical problems, and provide customers with convenient and warm quality services. Don't explain to customers hastily for convenience, so that customers feel perfunctory and cold.
Be a pioneer in inclusive finance. Inclusive finance is the only way for the sustainable development of rural commercial banks. As a grassroots network, it is necessary to promote the development of financial inclusion, improve the coverage of financial services and customer satisfaction, enhance the people's sense of access to financial services, and provide more open, convenient and warm banking services for urban and rural customers. Since joining, branch presidents and accountants have taken the lead in entering villages and households, visiting households and registering customer information, popularizing basic financial knowledge for farmers, doing a good job in the fine business of "supporting agriculture and supporting small businesses" and enhancing their sense of acquisition.
3. Model essay on bank employees' compliance experience
Recently, the Head Office organized a comprehensive training course for tellers. Before the training began, a question raised by the President of the Head Office in his training speech aroused my deep thinking, that is, what is compliance? What is compliance? In my opinion, compliance is the basic premise for banks to continue to operate steadily. Rules and regulations are an invisible "guarantee". It seems that there are many rules and regulations that bind us all the time, but it is these countless rules and regulations that protect us from becoming "victims" of violations.
As a new employee and a front-line comprehensive teller, I feel that if I want to be compliant in my post, I must always keep a sense of compliance. We should use our daily time to study rules and regulations. Only when our consciousness is in place can we keep our theoretical knowledge in mind. At the same time, we should integrate consciousness and theory into practical work, apply what we have learned, "restrain" ourselves with rules and regulations, and protect ourselves.
There are no rules, Fiona Fang. We should always remind ourselves, what is compliance? What is non-compliance? What should I do? Don't do what? For every system and method, we must "ban" and keep the insurmountable moral bottom line in our hearts.
4. Model essay on bank employees' compliance experience
Recently, the Compliance Operation Department of the Head Office organized comprehensive training for tellers. During the one-day training, I got a clearer understanding of my job responsibilities, especially the case of communicating with customers in the course, which inspired me deeply. Why do you need communication? I think the examples in class give us a clear explanation. Customers are anxious to solve this problem. If we choose to turn a blind eye, it will only make the problem more difficult to solve.
5. Model essay on bank employees' compliance experience
Laozi often said, "People should learn from the earth, the earth should learn from the sky, the sky should learn from the Tao, and the Tao should be natural." Nature interprets the trajectory of life with natural laws, and we need to interpret the essence of enterprises with compliance. An enterprise that does not comply with the regulations will inevitably deviate from the law of social development, and its outcome will inevitably be a failure. On the contrary, only companies that follow compliance can flourish in the right direction. I vaguely remember that two years ago, I passed the strict written test and interview of Tianmen Rural Commercial Bank. From the written test to the interview, I felt the baptism of compliance when I first entered the workplace. Compliance is the self-discipline of every financial industry and every financial worker. At the same time of standardization and self-discipline, compliance also gives us great strength, which enables us to have correct life values and adhere to our own personality beliefs.
On the first day of work, my father repeatedly told me that I must be careful when dealing with money, and I can't tolerate any carelessness. My father has always been very serious, so he was very strict with me when I first entered the business. I came to Songshi Sub-branch, the first stop, to learn business from my master, and gradually found that the business operation process was correct and should be standardized. For example, when reporting the loss of a password, the information filled in by the customer on the application for reporting the loss must be complete, and the customer's identity verification data should be retained. On one occasion, when the city bank organized routine compliance inspection and checked the loss reporting register, a customer did not keep the signature handwriting information, and this business happened to be accepted by him. As you can imagine, what will happen if customers come to find their own loss report without signature information in the future? This risk is self-evident. Deeply aware that these basic business norms are to equip us with a set of armor and give us potential self-protection.
After half a year, I will rotate to Xiachang Sub-branch, which is also the second stop of my work. This is a large outlet in the agricultural area. There is a big pig farmer, Sister Zhu, who has been handling deposit and withdrawal business in our bank for a long time and is very familiar with us. On one occasion, she hurriedly said that she would withdraw 0.2 million/200 thousand cash to pay for the feed. According to the usual practice, Sister Zhu always makes an appointment one day in advance and then goes to withdraw money the next day. Today, it was a little unexpected. We have repeatedly explained that the laws of the People's Bank of China stipulate that withdrawals of more than 50,000 yuan can only be made one day in advance. Sister Zhu called the branch president and asked for a rest. The president of the sub-branch firmly told Sister Zhu that large withdrawals can only be made by appointment one day in advance. Sister Zhu was very unhappy with the principal's solemn attitude, and the harmony of the past flushed because of today's disappointment. It is the most difficult choice in interpersonal relationship, but I still refused Sister Zhu's request without hesitation. Although it is inhuman, it retains the basic bottom line of the industry. Fortunately, I got the understanding of Sister Zhu afterwards. At the same time, it has strengthened its own bottom line of industry ethics. Don't do evil, don't do good.
Compliance is our constraint on ourselves internally, and our rejection of customers' violation of industry regulations externally. I have been employed for more than two years and have always regarded compliance as my basic criterion. I always abide by the rules and regulations and dare not go beyond them.