Only by working hard to develop business can we create considerable economic benefits; Only by striving to establish a compliance culture suitable for enterprise development can we better prevent and avoid risks. Business development and compliance culture are like fish and water. Without fish, water will lose its spirituality and vitality. Therefore, the development of enterprises can not be separated from the opening and closing culture. The two complement each other and are indispensable!
The so-called compliance culture, as its name implies, means that everything conforms to the rules and common sense. It has a deeper connotation and extension in the construction of enterprise culture. At present, there are some phenomena in our banking industry, which are embodied as follows: in some places, there are still practices that attach importance to business development and ignore compliance management. In order to achieve short-term tasks and business objectives, they pay attention to marketing and expansion while ignoring the compliance management of business, and some do not hesitate to risk illegal operations to achieve short-term goals and tasks and ignore them. Some units do not act according to rules and regulations, and do not implement internal management rules and procedures. Although a large number of business risks are mainly manifested in business links and operators, the deep-seated reason is that operators lack awareness of compliance and law-abiding, which is superficial and lacking and has not penetrated into daily management and decision-making. This requires us pedestrians to be vigilant!
Nowadays, the rapid economic development has also brought many problems and risks. In order to maximize profits, behaviors that do not abide by the rules of commercial games often occur. Once upon a time, the "compliance culture" hanging over the stadium became a picture scroll only for viewing in the dust of profit-seeking. In our banking industry, a large number of loyal cadres did not resist the temptation and broke the law. Shame ourselves and our country. There are many other cases that happen around us, reminding us again and again. They remind us all the time that we must establish a compliance culture and unswervingly abide by and implement it.
There is a famous saying that how high the heart is, how far the heart can go. The profound significance of good ideology and culture to action is beyond doubt! As each of us, we should see that if there is no indifference and tranquility in our minds, there will be no ambition and ambition in our actions. Without the guidance of compliance culture, there is no place for steady operation! And there is no internal control management. Therefore, it is inevitable to establish a compliance culture to standardize our business behavior and improve our management level.
At present, we are building a brand-new China Bank. We don't emphasize compliance. When we think about it, we can't pat our heads and make decisions. There is no way out. In a sense, compliance is also benefit, and compliance is also productivity. Cultivating compliance culture is a long-term mechanism to ensure compliance management, a radical solution, an inherent requirement to effectively prevent and resolve various risks and achieve sustained and healthy development, and an important foundation to improve the comprehensive risk management and effective internal control system of China Bank.
Therefore, first of all, we should start from the leadership and fundamentally eliminate the misconceptions of indifference, hands and feet, and inability to let go. Matters explicitly prohibited by laws and superior documents should be strictly observed, and we should not step into "minefield" under the guise of "reform". For those that are not expressly stipulated, we should make full use of them, make bold attempts and make bold breakthroughs. At the same time, it is necessary to educate all employees to further enhance their awareness of the rule of law and system, starting with correct orientation and good habits.
Second, pay attention to the cultivation of compliance culture, organically combine the construction of compliance culture with professionalism, industry characteristics and corporate culture shaping, make a good plan, concentrate on research and practice, strengthen learning, start with the most basic things such as service etiquette and service skills, straighten out the relationship between quality service and compliance management, form prescribed actions and demonstration actions, and run quality service through the whole business activities and fields of China Bank to build compliance culture.
Third, do a good job in moving forward the risk barrier, check and analyze every day, eliminate and plug all kinds of hidden dangers and loopholes at any time, prevent problems before they happen, and practice the ability to control all kinds of risks.
Fourth, we should pay attention to protection. It is necessary to strengthen counseling and supervision, increase accountability, strictly prohibit employees from operating in violation of regulations, increase penalties, increase the cost of violations, and ensure that those who comply with regulations benefit and those who violate regulations suffer, so as to prohibit them and ensure the implementation of compliance culture construction.
Compliance culture is the extension of corporate culture of China Bank, the sum of business philosophy, values and professional ethics that all employees of China Bank need to recognize and abide by, and the concrete embodiment of enterprise industrialization and personalization. As far as our BOC system is concerned, it is generally twelve words, namely "dedication, discipline, standardization, pragmatism, harmony and innovation". As our operators and managers, it is around these twelve words that we refine, quantify, concretize and visualize them, and then form a belief, an idea, a consciousness, a spirit and a culture. Because compliance culture is crucial to the survival and development of enterprises, an enterprise without business philosophy lacks aura, an enterprise without commercial vitality lacks popularity, and an enterprise without cultural background lacks self-confidence.
As a pedestrian, I am a person in charge of the grassroots outlets of Bank of China, and I often deal with customers and society. I want to understand the significance and function of compliance culture construction in grass-roots bank outlets, grasp its essence and connotation, and never complain, give up or be discouraged! Starting from the small things around me, starting from my own work, learning with an open mind is my only choice, and working hard is my only goal. I will be a down-to-earth person, do my duty, constantly improve my policy and theoretical level and professional quality, and make my modest contribution to the grassroots cause of Bank of China with my practical actions, noble character and integrity, and real life. I believe it is ordinary.
The construction of compliance culture of China Bank is based on the employees of China Bank, which is the comprehensive embodiment of the entrepreneurial spirit of China Bank, the external embodiment of the core competitiveness of China Bank, and is related to the success or failure of China Bank. We middle managers must love our jobs, be behaviorists, be leaders at all levels, and also care about the work and life of correspondents, help them solve practical difficulties, eliminate worries, and let our BOC employees have a sense of identity and belonging to the compliance culture, so as to consciously take BOC's career as their own.
I believe that in today's economic globalization, office automation, business informationization and fierce competition in all walks of life, employees of China Bank, no matter where you are, will certainly have a more brilliant tomorrow as long as they keep learning, strive to enrich and improve themselves, constantly adapt to the situation of corporate compliance culture, shoulder their responsibilities, be proactive and make continuous progress!
two
Dear leaders and colleagues,
Hello everyone!
This is Li Yuan from Lingchuan Sub-branch. I was recruited to work in our CCB last August. I realized the role change in my life for the first time in anxiety and excitement. My youth, my ideal and my belief have turned into an overwhelming positive energy, which makes me look forward to the future and make my world colorful, full of vigor and strength. When I really joined the CCB family and became a member, the rich and diverse corporate culture and professional mission deeply infected me, especially the risk management culture of our bank, which made me feel that I have a long way to go. I have many responsibilities and responsibilities, that is, whether it is the CCB family or everyone in this family, making compliance a habit and filling our career with a sense of sacredness and mission. The topic of my speech today is "making compliance the main theme of my career". I firmly believe that my voice is also everyone's voice and my wish.
As a high-risk industry, internal control and compliance are always the basis for the survival and development of banks and the key to their steady operation. At all times, internal control and compliance should be placed in an important strategic position. "Compliance promotes development and internal control creates value", and safety is the biggest benefit.
The whole chapter is perfect in organizational system. "Set a rope and an ink, but take its merits and think of Fiona Fang." Only when everything runs according to its own laws will the world become colorful.
The compliance of banks has a deeper connotation and a broader extension. For every violation and every risk case, we must first look at whether the system is sound and perfect, whether there is a phenomenon of edge-cutting, and whether there is a blind spot in the system. According to the actual situation, we should further establish rules and regulations to improve and ensure the integrity, strictness, pragmatism and seriousness of rules and regulations. Only a series of meticulous prevention systems can make the employees of the whole bank have rules to follow. Operating according to the rules, knowing what can be done, what can't be done and how to do it are all bound by the code of conduct. Therefore, for every violation and every risk case, we must truly achieve the "four ones", that is, investigate and deal with a problem, learn a lesson, plug a loophole, improve a system, constantly consolidate the foundation of internal control, and promote the solid development of case prevention work.
"Three Views" education is the key. When it comes to case prevention, the most important factor is the human factor. As the ancients said, a scholar has a hundred lines and takes virtue as the head. Especially for the financial industry of financial management, a person's quality and moral character are particularly important. No matter what position you are in, whether you are an ordinary employee or a department manager, the key is to establish a correct outlook on life, world outlook and values. By watching warning educational propaganda films such as "The Reproduction of the Truth", visiting and training in patriotic education bases, and through positive and negative learning and feelings, we can develop good habits of being cautious, cautious and thoughtful in our daily life and work, always remain rational and calm, be calm in the face of money, be not impetuous in the face of temptation, do not do good little things, do not do evil little things, do ordinary but not mediocre things, and do something that is not offside.
"If you are not clean, you can't be clean. If you are not clean, you can't be upright." "If you are honest, you will do it without orders; It's hard to strike while the iron is hot. As a leading cadre in party member, it is very important to set an example in all aspects of case prevention. Ask employees not to do what they can't do first, and advocate employees to do what they have to do first, especially in risk management. The masses look at the village, the households and the Party branch. Your words are advertising words, and your actions are silent commands. For example, in the three deposit cases in our province in 20 12, one of them was that the president of a branch violated the relevant regulations on enterprise account opening, giving the illegal branch the opportunity to change the account opening information of enterprises such as seal cards, which led to the criminal branch easily misappropriating funds of 28 million yuan. This case highlights that the professional quality of some grassroots leaders is seriously low, individual will is higher than the system, and internal management and scheduling are ineffective.
As every employee, we should cherish the hard-won happy life, cherish our career and count the seven accounts of life. "Life is full of choices and interests are well thought out. First, we must settle our political accounts and not lose our way. Second, to calculate the economic accounts, we should be content. Third, to calculate the credit account, we must have a wide body. Fourth, it is safe and full of happiness to calculate the family account. Fifth, we must calculate the family account, sincere and lasting. Sixth, it is free. Honor and disgrace depend on cultivation. Self-denial is a true gentleman, how can jade get hurt? " Simple and thought-provoking poems are the work experience written by the discipline inspection and supervision Commissioner of Yantai Branch, and also the most practical feeling of every CCB employee. Very meaningful, very memorable.
In our daily work, it is not difficult to find that the relationship between business development and standardized management is not in place. To some extent, the system is out of shape, the supervision is distracted, and the execution is out of tune. There are still repeated investigations, repeated investigations and repeated prohibitions, and even the phenomenon of "touching the bottom line, touching the red line and stepping on the minefield", such as what happened in our bank in 2009. Being jailed for lack of morality destroys career ideals and careers, brings endless pain to relatives, makes families lose their stable income, and even faces jail time, which makes originally happy families frequently add painful lessons, which is enough to wake people up.
Investigating and handling cases is not soft. Prevention of cases is very important. This is hard work, and it is also hard work in this case. There are thousands of achievements, but there are no achievements in the case.
Faced with the meticulous risk prevention system and the high-pressure situation of holding high and fighting high, there are always some desperate fugitives who take risks and try their best to risk their youth and lives and get burned. Far from it, there are living cases around us. Some employees know the law and violate the law, misappropriating funds seriously, and some employees are demoted and suspended because of inflated deposits, not to mention general business mistakes and deduction points. It is necessary to further intensify the investigation of responsibility for violation of regulations and dereliction of duty, enhance the deterrence of accountability for case prevention, and resolutely implement "hard constraints" and "zero tolerance" for some business risks that have been repeatedly investigated, corrected and banned. We must not neglect generosity, softness and kindness. It is necessary to adhere to the word "strictness" and increase the cost of violation, so that offenders do not want to violate the rules, are unwilling to violate the rules, and dare not violate the rules. Thereby fundamentally preventing risks and preventing cases from happening. We should be ruthless in the implementation of the system and resolute in violating discipline. It is necessary to adhere to the "three don't let go", that is, don't let go of the responsible person, find out the reasons, and rectify if it is not in place, so that the prevention and control of cases can really play a warning and deterrent role.
Stereoscopic infiltration and prevention. With a sound system and mechanism, will the case prevention work be done once and for all? The answer is no, the provincial branch has designated 20 13 as the "year of internal control compliance", which has a clear theme and far-reaching significance. Combined with the current special education activities of "two strikes and one prevention", the educational practice activities of "learning from party constitution, observing discipline and doing practical things" and the special activities of "grasping the grassroots, strengthening management and preventing cases", every employee truly feels that the activities have been further upgraded. It once again proves the importance, urgency and seriousness of case prevention and risk control, and we can't relax, be careless and take chances. First, it can be prevented from the mechanism. Taking the three roles of risk manager, discipline inspection and supervision Commissioner and business supervisor as the carrier, they should take their own responsibilities and strictly control the customs, which will not only prevent cases from preventing risks, but also prevent errors, and maximize the goal of zero cases and errors; Second, ideological prevention. Adhere to the guiding ideology of "education first, warning first, prevention first", educate and remind employees to cherish professional life, weigh the pros and cons, and calculate the cost of life, so that employees are "unwilling to do" in thought, "unable to do" in operation, and "dare not do" in behavior, and build a strong ideological and moral defense line for employees, abide by the rules and discipline, and love their jobs and dedication. Do your duty. Third, take precautions from the supervision. For the quarterly maintenance of employees' daily behavior, we should not only pay attention to the monitoring of employees within eight hours, but also pay attention to the behavior norms of employees beyond eight hours. We should monitor employees' work behavior at any time through real-time monitoring system, and urge employees to provide intimate services to customers with high-quality service image and efficient work efficiency. Through the investigation of employees' moral and behavioral risks, we should strictly check whether employees and their families directly participate in organizations, private lending or fund-raising activities, and act as social financing brokers to eliminate hidden dangers of employees' behavioral risks in time.
Everything is important, and preventing cases is the most important. Case prevention has a long way to go. Only when everyone and everything in the bank abide by the rules, compliance becomes a habit, and compliance becomes the main theme of every employee's career, can the flagship of CCB ride the wind and waves and sail.
Thank you all
three
Dear leaders and judges,
Hello everyone!
In this season of Hongfeng first frost, we are all here to discuss the development plan of CCB. As a member of CCB, I have the honor to attend this speech and feel extremely excited and proud. First of all, please allow me, on behalf of Jining Construction Bank, to express my sincere thanks to the leaders and colleagues who have carefully organized this contest, and also extend my cordial greetings to all the comrades present.
Dear colleagues, if you ask me, "What do you love most?" I will tell you without hesitation: "I love CCB most, and I am proud of it." I have always been proud that I am a CCB person. "
CCB, my warm home. I love CCB. I'm from CCB. The development of CCB is related to my destiny. The income of CCB reflects my value. The brilliance of CCB has made my dream come true. I believe that all of you here, like me, are in CCB and belong to CCB. It is our wish to expect the rapid development and best benefit of CCB. Compliance management and risk aversion are the only guarantees for CCB to develop rapidly and generate benefits. Therefore, all CCB members must work together with Qi Xin to achieve compliance for everyone, everywhere and everything, and establish the concept of "compliance is everyone's responsibility and compliance creates value". Only in this way can we ensure that the development of CCB will not deviate from the right direction.
More than 1000 years ago, Zhuge Liang clearly put forward in the Commandment: "Indifference is unclear, and quietness is not far away." This simple truth has become a mirror of the benevolent sages of past dynasties. Good ideological culture is of profound significance to action; Every employee should see that if there is no indifference and tranquility in thought, there will be no ambition and ambition in action. Without the guidance of compliance culture, there is no place for steady operation. There is no internal control management. Therefore, it is inevitable to establish a compliance culture to standardize our business behavior and improve our management level.
Speaking of "compliance", everyone here will be familiar with it, because it is always reflected in our work. Compliance is a good habit and a broad concept. I have seen a metaphor: suppose a parking lot has 100 parking spaces. If Americans come to park, they can only park 80 cars because American cars are big; If the Germans stop, they can stop a hundred cars, because the Germans maintain order; If the Japanese come to park, they can stop 120 cars, because Japanese cars are small; However, if some China people come to park, maybe they can only park two cars, one at the entrance and the other at the exit. I think this metaphor is not to belittle the quality of our people, but to tell you a fact through this story: the awareness of compliance is still relatively weak in the hearts of our people, and it is urgent to improve everyone's awareness of compliance. It is important to implement the rules seriously, which is what we call compliance. You see, if everyone doesn't obey the rules and regulations, everything will be in a mess and the situation will get out of control. Therefore, compliance is ubiquitous and very important. Compliance embodies a person's basic quality, ensures the development direction of an enterprise and promotes the prosperity of a country.
As we all know, banks, as modern enterprises, must comply with regulations if they want to develop. As the saying goes, "Without rules, there would be no Fiona Fang". If a financial institution wants to be strong and develop, it is necessary to formulate an effective system, which everyone should abide by and implement, and everyone's behavior should be compliant. Only in this way can it develop better. Do not seek compliance, but only development, even if it develops rapidly, it is nothing more than "pulling out the seedlings to encourage."
Therefore, in order to develop CCB's business, it is necessary to abide by national laws, regulations and regulatory provisions, abide by rules and regulations, ensure the implementation of laws, regulations and various rules and regulations, take the initiative to comply with regulations, consciously comply with regulations, have supervision without supervision, have supervision without leadership, and have inspections by superior banks without inspection. Only when all aspects are in compliance can we ensure the safety of CCB's funds, the healthy development of CCB's various businesses and the healthy development of CCB's various businesses.
four
Leaders and colleagues: Good evening!
I am xx from xx Branch, and the topic of my speech is: Shaping compliance culture and building a compliance bank.
There is such a fable: the river roared on the bank: "You stand beside me like two walls, preventing me from flowing at will and limiting my development ..." The bank seriously replied: "The trickle can converge into a torrent because of my existence!" The river did not listen to advice, washed away the banks and wilderness ... and gradually disappeared. This fable tells us that rules are not fetters and obstacles, but an invisible safety net that maintains our social order and living environment.
Yes, it's true. I have only worked in BOC for half a year, but in this short half a year, I have deeply felt the weight of compliance. In the past six months, I have heard a lot of illegal and criminal cases, and banks often publish some case reports, such as this warning education activity. Some cases are shocking: a bank employee in Hunan was sentenced to 1.5 million for misappropriating depositors' deposits. The employee took advantage of his position and his behavior seriously violated the criminal law. Some bank employees embezzled bank deposits because of their gambling habits, insufficient capital turnover, and finally sent themselves to prison, ruining their bright future. This case shows us the trajectory of the criminals' parties, including leading cadres, general staff and agents. Some are advanced workers, some are young and promising, but all of them took things they shouldn't have taken because of a greedy word, which ruined their lives, ruined their future, hurt their family and colleagues, and even affected the reputation of China Bank.
On closer examination, there are internal reasons for the occurrence of the case. Most of the parties have relaxed their political study and ideological transformation, their thoughts are not ambitious, their legal concept is weak, they can't stand the test, take risks, and finally embark on the road of crime.
This case is a wake-up call for us. We should learn from their painful lessons and strictly abide by the rules and regulations. Especially for new employees like me, they should have a deep awareness of compliance. Compliance is not a burden, but a tool to serve us. It is like a bright light that helps us achieve our goals in the most effective way. Even if we are non-professionals, it is easy for us never to attend the meeting.
When a driver drives to an intersection where there are no other people and cameras in the middle of the night and can consciously run a red light to stop, the traffic laws have been deeply imprinted on his mind. When everyone abides by traffic laws, so many innocent lives will not leave this world every day because of traffic accidents. Similarly, when the awareness of compliance is deeply engraved on the stone in our hearts, we will not feel bound, but will feel duty-bound and duty-bound