In order to cooperate with the Personal Finance Department of the branch to carry out 20xx due diligence supervision and inspection, standardize business operations, strengthen risk management, solidly promote compliance management and risk prevention, enhance the awareness of compliance management of all employees, reduce the potential risks of cases, and ensure safe and stable operation, the Bank has carried out strict and standardized self-inspection activities. The relevant inspection report is as follows, please review:
First, personal loan business.
As of the date of self-inspection, the balance of personal loans of our bank is xx million yuan, including the balance of "salary loans" and other personal loans (including the balance of non-performing loans). In order to strengthen the management and control of non-performing loans, the Bank strictly followed the requirements of the Notice on the Management Measures of Credit Business of XX Bank in China and the Notice on the Implementation Rules of Personal Credit Business Management of XX Branch of XX Bank in China, took effective measures in time to prevent the growth of non-performing loans, actively organized business personnel to reduce the existing non-performing loans through door-to-door collection and telephone collection, and recovered the interest of non-performing loans before the date of self-inspection. The whole process of "paid loan" business from acceptance, review to issuance is strictly implemented in accordance with relevant rules and regulations such as X Bank and X Office (No.xx), and there are no irregularities such as the way of fund issuance and the use of funds.
Second, the customer management system.
According to the requirements of relevant documents of PCRM and CFE, the Bank timely updates new users and cleans up redundant users. Up to now, there are * * * 4 operators in the bank's customer management system. According to the actual situation of our bank, our bank organized targeted discussion, training and learning for operators. Through training, all system operators can skillfully use relevant functional modules.
Third, customer relationship maintenance.
Because I am short of pedestrians, there are no special account managers, lobby managers and customer maintenance personnel. In this regard, according to the Guidelines on Customer Relationship Marketing Management, the Bank has arranged special part-time staff to be responsible for maintaining important customers and VIP customers. And organize all employees to carry out training to ensure efficient and high-quality services for customers.
Fourth, the compliance of fund consignment business.
According to the superior product issuance documents and product sales documents, the Bank timely communicated them to every employee, and actively organized publicity and sales according to the Measures for the Administration of Securities Investment Fund Consignment Business of XX Bank. However, due to the fund market and other reasons, sales have been unsuccessful since XX, and there is no operational risk. At present, no personnel of our bank have obtained the qualification of fund sales, and we are now organizing personnel to study and train to obtain relevant qualification certificates.
Fifth, personal finance and precious metals.
During the self-inspection, the bank found that some customers of the personal wealth management products previously sold did not fill in the risk tolerance assessment questionnaire of individual investors and other materials, and the custody was not perfect. In this regard, we should take active remedial measures. The precious metal business has not yet started.
Through self-examination, it is found that there are still many problems in personal finance-related businesses, such as inadequate implementation of rules and regulations, irregular business acceptance and imperfect risk management. In this regard, the Bank will make timely rectification according to the system requirements, and put an end to similar violations, imperfections, loopholes and risks in future work.
Self-inspection report of bank employees II
This year, our county has carried out several months of "enterprise appraisal authority" and "professional ethics appraisal" activities. Through self-examination of the existing problems and extensive collection of opinions from all walks of life, we can draw the conclusion that the service environment needs to be further improved, the service level needs to be further improved and the loan strength needs to be further increased. We will check and correct these problems. Now the self-examination and self-correction and rectification are reported as follows.
Strengthen hardware construction and improve service environment. In recent years, the bank has invested more than RMB1000,000 to renovate the office buildings of sub-branches in Yin Cheng. In late September this year, the first batch of VIP wealth management centers in the city were built in the branch office, and standardized "comprehensive wealth management centers" and "financial convenience network points" were built in other outlets. Through the transformation, * * * increased the business area of more than 260 square meters and six business windows. Each business outlet is equipped with an ATM, an automatic deposit passbook machine, an online banking computer, an automatic deposit machine and two off-bank ATMs, and the service environment has been significantly improved.
Carry out three activities to improve service quality. First, carry out the "year of service value" in depth to create value with service; Second, continue to carry out the activities of selecting "service stars" and serving "red flag units" at outlets, so that typical examples can lead the way; The third is to extensively carry out "standardized service" activities and organize employees to standardize operations. At the same time, the sub-branch strengthened the training, inspection, rewards and punishments of quality services, and improved the service level of the whole bank. At present, the front-line employees of the whole bank insist on uniform dress and hanging work number plates, and the employees of outlets have generally realized "five standardized services" such as smiling service and two-handed customer certificate service. In the "Mystery Man" quality service inspection of ICBC Provincial Branch in the third quarter, our comprehensive score ranked second among the 22 branches of ICBC Xiangfan Branch.
Adhere to credit innovation and increase the intensity of loans. While doing a good job in corporate mortgage loans, the Bank has innovated loan methods in view of the insufficient mortgage value of some corporate loans. It has successively handled the commodity financing of enterprise steel, wheat, cotton yarn and other bulk materials pledge, the trade financing of enterprise accounts receivable pledge, the confirmation letter issued by the opposite bank of the enterprise as the seller of the pledged letter of credit, and also issued a one-time mortgage recovery network revolving loan for small enterprises. In order to support the development of individual and private economy and the employment of residents in our county, our bank issues mortgage loans for shops, and so on. The innovation of credit work has expanded the loan methods and increased the capacity of credit funds. By the end of September, the balance of various loans of our bank had reached 295 million yuan, an increase of 1. 1 billion yuan compared with the beginning of the year, which was among the top financial institutions in the city and strongly supported the economic development of our city.
The county party committee and county government are very concerned about our bank as the appraisal object, and enterprises and customers have put forward valuable opinions on our work style construction, which is their trust in our bank. All employees of our bank are determined to take the activities of "professional ethics evaluation" and "enterprise evaluation agency" as an opportunity in future work, do a better job in quality and civilized service, expand credit supply more forcefully, fulfill social responsibilities more comprehensively, and make new and greater contributions to the scientific, pioneering and harmonious development of our city's economy and society!
Bank employee self-inspection report 3
According to the work arrangement of the County Price Bureau, in order to thoroughly implement the Party's mass line and the requirements of the "Seven Rectifications and Seven Governance" activities, the Bank has carefully sorted out and investigated the illegal charges in business operations according to the work requirements, and now reports the self-inspection as follows:
First, set up a self-inspection organization to ensure the implementation of work tasks.
In order to ensure the orderly investigation, the sub-branch set up an investigation leading body with the president as the leader, the competent president as the leader, and the operation department, customer department, finance department, business department and other departments as members to strengthen the supervision, leadership and promotion of the investigation.
Second, the content of self-examination.
1. Earnestly implement the charging publicity system of Agricultural Bank.
Do a good job in the implementation and enforcement of the new standards. According to the requirements of the Head Office, the new price standard will be uniformly implemented nationwide from April 20xx 1 day. For private charging items, except for price differential service items, the Agricultural Bank of the whole province implements a unified price (benchmark price or machine automatic control price), and any floating shall be implemented after being approved by the provincial branch. In accordance with the standards of China Banking Regulatory Commission and the People's Bank of China on compliance fees, combined with the existing intermediary business fees of the Bank, we consciously accept customer supervision by hanging public signs in the business hall, and charge fees in strict accordance with the price list uniformly published by the Head Office. It is strictly forbidden to change the price and increase the charging items without authorization, and release the charging price information in time, so that all charging services are clearly marked, so that financial consumers can fully understand the relevant contents of banking service charging items in real time, thus exercising their right to choose, so that the price of banking charging services is no longer well documented.
2. Organize employees to check themselves against the charging standards, abide by the rules and regulations, and prohibit arbitrary charges.
In order to ensure the correct implementation of the charging standards within the scope of the standardized charging standards, establish and improve the restraint mechanism. Our bank formulates specific work plans and organizes employees to complete corresponding studies. Employees are required to handle various businesses in accordance with service quality requirements and standardized operating procedures, so as to be quick and accurate and minimize the error rate. In response to this self-inspection, the bank also set up an investigation team, including auditing vouchers and arranging special personnel to audit them. In the process of self-inspection of service charges, no unreasonable charges were found through layer-by-layer audit, and the quality of service work was controlled in strict accordance with the provisions in the Statistical Table of Settlement Business Charges.
3. Strengthen staff's ideological education and improve service quality.
The service attitude and service quality of bank managers are one of the main contents of customer complaints at present. Therefore, only by strengthening the quality education of employees, enhancing service awareness, improving service level, and matching the service charge level with the quality and efficiency of services provided, can customers feel value for money and be willing and willing to pay.
Third, self-examination and summary.
This self-inspection activity is effective, although our bank has not found any accounts with false charges, which has played a role in preventing micro-duration. In the future work, the Bank will earnestly implement the requirements of the regulatory authorities, continuously improve services, fulfill social responsibilities, continuously strengthen internal management, standardize the service price behavior of the Bank, and promote the healthy and steady development of the intermediary business of the Bank.
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