You don't think your legal department has nothing to do, do you? Haha, just checking the behavior of employees will confuse you and make you a sideline.

You can do some sideline business quietly. Every year, banks require employees to sign a letter of commitment not to run a business. We have to make an appointment to talk when we are found out!

This problem is more complicated. Strictly speaking, bank employees should not do sideline business, especially sideline business that can bring in income. However, it is also necessary to analyze the specific situation.

First, bank employees have strict code of conduct, and it is absolutely impossible for them to participate in enterprise management and financing consultancy, which will affect the normal operation of banks.

Previously, the banking supervision department had "four prohibitions" on banking employees:

First, it is forbidden for bank employees' personal cards (accounts) to have capital exchanges with enterprises and customer accounts, not to open accounts for relatives and friends, not to advance funds, withdraw cash or purchase foreign exchange for customers, not to advance foreign money, not to settle accounts with short money, not to handle accounts for enterprises, and not to keep account books, bill seals and passwords for enterprises in business premises;

Second, it is forbidden for bank employees to engage in a second occupation that has an interest in the institution, or to operate an enterprise independently or in partnership in violation of regulations, and to work part-time in an enterprise privately, accept benefits and seek personal gain in various names, and not to misappropriate or borrow the name of the bank to provide external guarantees privately;

Third, it is forbidden to engage in pornography, gambling, drug-related, investment and business, large debts and other acts to control the source of risks;

Fourth, it is forbidden for employees to have false authorization, false reconciliation, false library search and other behaviors.

On March 20 18, the China Banking Regulatory Commission issued the Notice No.9 on the Guidelines for the Behavior Management of Employees in Banking Financial Institutions, which further stipulated the code of conduct for employees in the banking industry.

Article 15 stipulates that the code of conduct and detailed rules formulated by banking financial institutions should require all employees to abide by laws, regulations and work disciplines, including but not limited to: consciously resisting and strictly prohibiting participation in illegal fund-raising, underground banking, money laundering, commercial bribery, insider trading, market manipulation and other illegal acts, and not conducting unapproved financial business in any place, or selling or promoting unapproved products. Do not sell products issued by institutions that do not hold financial licenses, do not seek illegal interests by taking advantage of their positions, and do not disclose the secret information of supervision work to the society or other units and individuals without the permission of the supervision department.

Second, in reality, there are indeed bankers engaged in sideline business that does not meet their status.

In reality, some bank employees engage in some sideline businesses, which not only violates the code of conduct of the regulatory authorities, but also violates the law.

First, some bank employees have shares in loan enterprises.

Some bank employees, especially account managers, vice presidents and branch presidents, have shares in loan enterprises, some are investment shares, some are dry shares given by enterprises, some may be good friends before loan business, but some are promised benefits when loan business is handled, so in this case, it is not only a violation of the code of conduct for bank employees, but also a serious violation of the law. This sideline is seriously not allowed.

Second, some bank employees are corporate financing consultants and get benefits.

Some bank employees provide financing services for enterprises and help enterprises to carry out financing, and take different benefits according to different financing amounts and interest rates. Some even serve as financing consultants for enterprises for a long time. Although not necessarily in their own banks or their own branches to carry out loan financing, but this sideline is contrary to the code of conduct of bank employees, and some banks' own management regulations also prohibit this part-time behavior.

Third, bank employees illegally sell products that are not their own banks.

Some bank employees use their identities to illegally sell non-bank products, some are insurance products of insurance companies, and some are private fund products, which seriously disrupt the financial order, affect the reputation of banks, and even cause great economic losses to consumers.

The financial product "Feidan" is a very typical case, that is, bank staff use investors' trust in the bank to sell financial products that do not belong to the bank itself and get high commissions from them. A well-known case is the "3 billion fake wealth management products" exposed by Tianqiao Sub-branch of Minsheng Bank. The reason why this wealth management product case attracts people's attention is that the amount is large, and the president of the bank branch participates in the leading role, which is very deceptive. Third, there are many participants, many deceived people and many employees involved in the bank. On October 2017165438+1October 2 1 day, Beijing Banking Regulatory Bureau imposed an administrative penalty of 27.5 million yuan on Minsheng Bank Beijing Branch. This case is also known as the biggest "flying single" case in history. Although Minsheng Bank and related personnel also made penalties: Beijing Banking Regulatory Bureau gave Zhang Ying an administrative penalty of canceling the qualifications of life-long directors and senior managers and prohibiting him from working in the banking industry for life. Xiao Ye and He Rui were given an administrative penalty of life-long ban on banking business. Administrative penalties were imposed on Wang Tao, Wang Xiaohong, Li Yahui, He Shuqiong, Wang Fei, Wang Qiuyu and Kun Yatong, who were prohibited from engaging in banking business for 65,438+0 years respectively. Zhang Jian and Zhou Jin were warned and given an administrative penalty of 500,000 yuan. Wang Yuewei was given an administrative penalty of five years' disqualification of directors and senior managers.

It can be seen that the illegal cost of default risk for bank employees engaged in sideline business is very high.

Fourth, bank employees benefit from various business activities.

Some bankers charge benefits in various business activities, some charge and ask for expensive gifts, some ask for property, some eat and drink, and some make money in the name of playing mahjong. These are strictly prohibited behaviors.

Therefore, bankers are not engaged in some sideline businesses as people say.

Third, what sideline businesses can bankers engage in?

Can't bank employees engage in sideline business at all? Not exactly. There are still some sideline businesses that can be done, and perhaps the bank will support them, which is good for their own development.

So, what sideline businesses can bankers engage in?

First, the publication and distribution of the banking business research and analysis report.

Many people in banks have doctors, senior economists and rich banking experience, and have a deep research and understanding of the theory and practice of banking business. Many people publish some research results and analysis reports in combination with their work, which is not only a summary of their own work, but also a good promotion to the reputation of banks, so some far-sighted bank executives support employees to conduct business research.

The second is to participate in and undertake research and innovation projects of some regulatory departments and bank headquarters.

Every year, the regulatory authorities have some research topics that need commercial banks to participate and complete, and banks themselves have some topics that need innovation. These topics are close to practice and reality, and need the combination of theory and practice. Participating in these topics can help us understand the frontier of bank development and enhance our value through innovative business methods. If the project report wins the prize, we can have both fame and fortune.

The third is to operate from the media number.

Through the promotion of banking knowledge from the media number, research and release the latest research results.

Fourth, you can be a part-time professor in some universities.

If you have the ability of research and expression, you can be a part-time professor in some universities, and some can also take masters and doctors.

Fifth, researchers from some social research institutions.

You can be a researcher in some social research institutions and participate in some in-depth academic research and social academic activities.

However, when doing sideline business, bank personnel must be careful not to pursue too many interests and commercial interests.

More and more bank employees take on different new roles outside the bank. I'm not talking about quitting, quitting banking. I'm talking about those who stay in the bank and have at least one sideline job.

The abnormal behavior of employees makes you feel at a loss, and to make matters worse, you are fired.

Investment in fixed assets, this money is ok, as long as you have a better understanding of the local economy and the development of regional plates is forward-looking, the rich dare not say that 10 is no problem. It is important to seize the assets sold below the market price, hold them and rent them out. It's not illegal or disciplinary to do so. It's okay to use your parents' names. It just takes time to settle down, endure loneliness, resist temptation and continue to invest limited funds. The most important thing is actually the original funds. It is best for your parents to sponsor you. It is unrealistic to rely on yourself. After investing several times, you will be very peaceful, because the rent is enough to live, and in extreme cases, you can live for 20 years after selling an asset, because you are already good at grasping low-priced assets. Finally, you can buy serious illness insurance, exercise well, and you can live with peace of mind in this life. I am willing to share my experience with you. I hope you can live a good life, remember not to swell after success, and keep a low profile when you go to work. Investment should be fast and accurate, and everything can be caught on the premise of better rent. After success, you must be able to control yourself. There are many excellent people in this society. Don't compare with others, don't underestimate yourself, just agree with yourself. No matter how good others are, they won't give you money for no reason. You don't have to envy him. In the back, he is a billionaire boss or leader. You just need to live your life. I want to live a happy life. When I am old, my pension is low. If I want to enrich myself, I will retire. Life will be up to you. Think about the rest for yourself!

Begging for food

I remember a meeting, the leader said: I heard that our employees use off-duty time to drive, which is really hard!

In the past two years, the bank's income is really too low, even affecting the normal food and clothing, but most people are unwilling to take this job, and there is no other job suitable for them, so they can only stick to it.

Things have changed a lot now, but I am very busy every day and have little time to do other things during the day.

It is also a good choice to use the evening time to open a live broadcast to study the bear inspection of the roving inspection team and to open a live broadcast to explain financial knowledge.

If you become famous, there will be a chain reaction, you will get more deposits and loans, and your performance will also increase.

Sell insurance!

You also engage in sideline business. In this case, it is very rare that you can do the work well. Where can banks keep idle people now? Everyone wants to have three heads and six arms. Of course, if you just muddle along at work and nobody cares, you can consider doing something. After all, as far as banks are concerned, it is hard to say whether they will remain strong. It's good to reserve some resources for yourself in advance.

It is difficult to do sideline business in any line, especially bankers! I get up at six every morning and go home at nine in the evening. I still can't complete these indicators. I only take one day off every week and cancel my vacation in case of emergency. It feels like it has been sold to the bank! I don't even have time to think about sideline business, let alone find time to do it! Unless you buy some fixed assets to collect rent, or try to buy some funds for financial management, I can't think of it for the time being!

Besides, banks are not allowed to do sideline business at all! ! !