China has attached importance to politics since ancient times. Official virtue? Scholarship? Learn morality? , for the teacher? Teacher's morality? Practice medicine? Medical ethics? All walks of life have career planning and professional ethics. As a special service industry, financial industry has great social influence, which objectively requires financial practitioners to have good professional ethics.

However, in recent years, due to the temptation of interests or weak personal legal awareness, financial practitioners frequently commit crimes, such as collusion between banks and outside banks, insider trading of securities and trading with undisclosed information, and the insurance industry intercepting customers' insurance premiums and surrender fees. Especially in the securities market, the behavior of fund company employees using undisclosed information to buy and sell stocks for illegal interests has been widely concerned by the public and hated by the majority of citizens and shareholders. On the one hand, investors earn less and lose more, and gradually lose confidence in the securities market. On the other hand, a few people take advantage of their own financial advantages, position advantages and information advantages to do whatever they want, which brings great harm to the order of the securities market.

In people's eyes, most financial practitioners have high academic qualifications and high incomes. However, among such social elites, there are still people who are desperate and eventually fall into the French Open, knowing that their actions are illegal. It can be seen that the lack of moral cultivation, professional ethics and legal awareness of financial practitioners will directly harm the interests of customers or investors, and will also affect the reputation of financial institutions and cause financial losses, and they will pay a heavy price for this. In order to better strengthen the professional ethics construction of financial practitioners, the author believes that we can start from three aspects:

First, the subject of financial activities is dominated by its moral standards, and financial practitioners should have the following professional ethics:

1, dedicated.

Being loyal to one's duties is the most basic requirement as a workplace worker, and it is also the most basic work dedication. Love and dedication are the basis of a person's survival and development, and also the basis of the long-term survival of enterprises.

2. Abide by laws and regulations and act according to law.

Administration according to law is an important content of governing the country according to law at present and in the future, and it is the backbone of building a society ruled by law in the new period.

Step 3 be honest and selfless

Honesty and selflessness is an important feature of the financial industry, and it is also the basic measure to measure the professional ethics of accountants.

4. Serious service and patient service

Serious service and patient service are the professional ethics of financial workers and the requirements of the times. With the further deepening of reform and the continuous acceleration of economic development, people pay more and more attention to the role of financial services.

5. Keep secrets, be honest and trustworthy

This is the basic requirement of professional ethics of financial practitioners. In today's increasingly cruel market competition, financial workers must keep the internal information and business secrets of banks strictly confidential and must not spread them to the outside world. At the same time, we should also focus on the overall goal of unit economic operation, be honest and trustworthy in the process of foreign exchanges and commodity transactions, and fulfill our commitments.

6, objective and fair, selfless dedication

Seeking truth from facts, being objective and fair are the professional qualities that financial workers should have.

In short, it is particularly important to strengthen the moral education of financial practitioners. Research shows that training financial talents should be? Balanced nutrition? The reasonable proportion should be: financial skills account for 50%, business wisdom accounts for 20%, ethics accounts for 20%, and management philosophy accounts for 10%. In the process of cultivating senior financial talents, it is particularly important to emphasize ethical education, which is more important than financial skills and business wisdom. The self-consciousness and self-discipline of financial practitioners are very important. Don't take chances, do your best.

Second, it is very important for financial institutions to strengthen internal control.

Chen Ying, deputy secretary-general of Shanghai Financial Law Research Association, said that the civilized accomplishment and behavior habits of financial practitioners are cultivated by advanced management, not just a single proposition of moral self-discipline. A bank clerk who has appeared since last year? Run away? Case study, showing excessive dependence on internal management? Capable person? Culture can easily bring a series of control risks. Three months later, the central bank paid attention to five cities in Chongqing. Renren loan? The rectification activities initiated by the company are over. Renren loan? The company was shot and charged with illegal fund-raising and illegal financial business. One of the above five? Renren loan? The company has been cancelled, requiring the other four companies to pay off their existing creditor's rights and debts one by one, totaling 486 million yuan. These financial institutions unanimously stated that the above-mentioned employees' behaviors were personal and did not involve the funds of the bank itself and customers, and the relevant parties had been dismissed.

In fact, after an accident, employees report to? Personal behavior outside of 8 hours? Passing the buck is just wishful thinking. The reason why employees can gain the trust of creditors is mainly because they take advantage of their position, their own information symmetry and professional advantages to obtain large amounts of funds and circulate them outside the bank through their designated channels. Bank employees take advantage of their positions to engage in business similar to or related to banking business and cause actual losses to customers, and the employee unit needs to bear corresponding responsibilities. Therefore, if the mechanism and culture of banking institutions cannot introduce individual employees into the norms, it will be difficult to avoid catastrophic cases and have to bear avoidable losses.

Third, nip in the bud.

It is understood that in recent years, the securities regulatory authorities have further intensified their efforts to investigate and crack down on illegal acts in the securities market. This year, they concentrated on investigating a number of criminal cases in the securities market, including many cases in which employees of fund companies used undisclosed information to trade. For this kind of crime, the securities regulatory authorities and judicial organs have been defending it? Zero tolerance? Attitude, the attack will inevitably become severe, the investigation and punishment will continue to strengthen, and the punishment will continue to increase.

However, crimes committed by financial practitioners are not only professional and forward-looking, but also complicated in case, rich in means and long in latency. In the future, how to better prevent financial practitioners from committing crimes? Xiao Kai, director of the Financial Prosecution Department of the Shanghai People's Procuratorate, pointed out in an interview. The social harm of crimes committed by financial practitioners is more serious than that of other industries. Once it happens, it will often cause irreversible serious damage. Criminal punishment afterwards is difficult to repair the damaged social relations, let alone completely eliminate the negative impact on the financial market. Therefore, based on prevention, strengthening the prevention of crimes committed by financial practitioners is the fundamental solution? .

In fact, there have been many successful examples of institutional prevention in the financial field. Historically, the third-party deposit of clients' securities trading settlement funds, the separation of front and back office of bank deposit and loan business, and the regular rotation of personnel have all played an important role in preventing financial practitioners from committing crimes, greatly reducing the crime rate. Procuratorial, discipline inspection, financial supervision departments, financial institutions, trade associations and other relevant units should cooperate with each other, absorb the participation of universities and scientific research institutions, concentrate the strength and wisdom of all parties, strengthen the analysis and research on specific business regulations and operational procedures of the financial industry, and find feasible and effective prevention systems or measures. At present, one or two special research groups can be set up to study outstanding problems such as bank-trust collusion, insider trading of securities and undisclosed information trading, so as to make a breakthrough in the prevention of crimes committed by financial practitioners.

Remolding the professional ethics of financial practitioners has a long way to go, and how to reshape it is a thought-provoking topic. The joint efforts of all sectors of society will surely give the financial industry a pure sky.

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