Risk prevention is a topic that exists every moment in the bank. Every bank employee must have a deep understanding of the risks that exist in the bank and the methods to prevent them. Therefore, it is necessary for the bank to conduct risk prevention training for employees. study. The following is a summary of bank risk prevention learning compiled by me. I hope it will be useful to you. Summary of Bank Risk Prevention Learning Part 1
As a new employee of China Construction Bank, for the first time, I had the honor to participate in a bank case prevention meeting organized by the bank leaders together with the branch directors. At the meeting, the directors of each branch reported After reviewing the cases and prevention situations last quarter, Manager Zhang of the accounting department further emphasized the importance of compliance operations. The meeting ended with President Han’s summary. I participated in the study seriously and carefully recorded what happened to the people around me. mistakes, learn from them. Especially after watching the warning educational film played in the afternoon, I couldn't calm down for a long time.
The film tells how several influential state-owned enterprise leaders reached the point of no return. With their tearful confessions and their desire for freedom and life, they sounded the alarm and pondered for us. After that, I felt a lot of emotion. ?The Skynet is vast, sparing no omissions?, ?It is impossible for anyone who commits crimes not to leave any traces at the scene?, ?If you want others not to know, you have to do nothing yourself? These familiar words have been experienced countless times. Refined from the experience of predecessors, but the perpetrators always take chances, thinking that they are clever and will not be discovered, so they take risks. However, it was still difficult to escape the sanctions of the law and eventually fell into the abyss of pain. Man is the spirit of all things, and the biggest difference between man and animals is that man has self-control.
Each of our lives is an extremely accidental existence, and people are destined to go back from the moment they are born. The life we ??have is originally a kind of responsibility and commitment-to our parents, to our relatives and friends, and to society. However, life is too short and we should cherish it even more. As long as a person remembers that no matter when and where he leaves others with good things, his life will be very happy. Only by adhering to the qualities of honesty, integrity, loyalty, kindness and consistency will you ultimately achieve happiness. In fact, in life, rich people are not necessarily happy, and poor people are not necessarily miserable. What's more, as long as we work down-to-earth and conscientiously, we won't be reduced to poverty. Why not keep your feet on the ground and follow the right path, abide by laws and regulations and be a good person?
As a new employee of China Construction Bank, in your position, you must not only perform your duties, be disciplined, and do a good job with quality and quantity In every day's work, one should also have keen observation and an intelligent mind, adhere to the system together with the colleagues working together, and strictly follow the rules and regulations, so as to effectively suppress the occurrence of cases. Handle business according to prescribed procedures and make sure everything is clear. On the one hand, it will make your work more perfect; on the other hand, it will also allow your salary income to be returned to the warehouse. In addition, it is necessary to strengthen study, especially strengthen the study of rules and regulations, become familiar with and master the requirements of rules and regulations, and improve one's comprehensive quality and analytical ability. Perform job responsibilities conscientiously and implement various systems into business activities. Strengthen the sense of responsibility, require yourself to be dedicated to your job, take your career seriously, be loyal to your career, work diligently, think deeply and act prudently, melt the sense of responsibility into your blood, and embody it in your actions. You must strengthen your beliefs and relax in your position. Requirements will inevitably lead to loss of direction, and those who cannot resist the temptation will surely fall into the abyss of crime. Establish correct values ??and outlook on life, grasp yourself in your own work, control yourself, and walk a good path in life. Bank risk prevention learning summary Part 2
Almost every morning at branch branch meetings, the risks of handling business and how to prevent risks are mentioned to bank staff. At the same time, some cases are introduced to bank staff so that each bank staff can prepare for customers. Risks can be effectively avoided when encountering relevant situations in the process of handling business.
1 The teller was negligent and handled business improperly, resulting in large accounting errors. Negligence is the main reason why tellers make mistakes when handling business. In particular, some tellers feel that they are particularly skilled in business and are more likely to cause wrong transactions. They blindly pursue efficiency without carefully reviewing the accuracy of the input content.
The account name is entered incorrectly when opening an account; the remittance business amount, date, name, account number, remittance recipient's name, ID number, date of birth and validity period are very easy to enter incorrectly, and errors are sometimes difficult to detect. The withdrawal operation turned into a deposit and caused a shortfall. It would be fine if it could be discovered in time, but it would have serious consequences if it was discovered after the customer left. These are all actual cases. Therefore, in the process of handling business, while improving efficiency, we must carefully check every operation to ensure that it is correct before submitting it.
2 If the original vouchers are not properly kept, the basis for accounting is lost, and there are hidden risks.
The original voucher is a written certificate that records economic business and clarifies economic responsibilities, and is the legal basis for accounting. If we throw away the customer's credentials at will, it may be stolen by criminals and used to commit crimes, causing legal disputes. After the end of each day's business, we must ensure that the subpoenas generated during our business processing are complete and have no missing tickets or bounced tickets. We must ensure that the elements on the voucher are complete and that no customer signatures are missing to prevent some intentional customers from turning around and telling them that they have not processed it. This business caused economic disputes. Incorrectly filled out vouchers should be invalidated when returned to the customer. If the wrong voucher printed during the business process does not need to be attached to the subpoena, it should be invalidated using a paper shredder and should not be thrown into the trash can. Customer information must also be properly kept and customer information must not be leaked casually.
3 The teller has little awareness of risk prevention and fills in the documents on behalf of the customer.
Filling out documents on behalf of customers can easily lead to customer disputes and unnecessary legal risks. In the process of handling business, sometimes we encounter some customers complaining that they are slow to fill in the documents and are in a hurry or they do not know how to fill in the documents and ask the teller to help fill it in. At this time, as counter staff, we must strictly understand that we cannot fill in the documents on behalf of the customers and understand how to fill in the documents on behalf of the customers. We must explain the possible consequences of the order to the customer, or ask the lobby manager to guide the customer to fill in the document and confirm the customer's signature before handling the business for the customer.
The case of Yijing Cuiyuan Branch once again warns us that we must enhance our awareness of risk prevention, standardize daily business operations, improve our business skills, and form a good habit of self-review. Summary of Study on Bank Risk Prevention Part 3
Since the postal service was operated independently in 1998, Chinese postal people have been exploring the best model of postal operations and looking for the best opportunities and ways for postal business in recent years. . There are more than 36,000 postal savings outlets in my country, more than two-thirds of which are located in rural areas at and below county level. It has become the largest financial network connecting urban and rural areas in my country.
The establishment of the Postal Savings Bank of China is a major event in the development of my country’s postal financial industry and an important milestone. It is another major phased achievement in the reform of my country's postal system, and it is also another new and important achievement in the reform of the financial system under the guidance of the national financial regulatory authorities. With the end of the transition period for joining the WTO and the establishment of the Postal Savings Bank of China, compliance risks have gradually become important risks faced by my country's commercial banks in addition to credit risks, market risks and operational risks.
As a unique banking risk management technology, compliance has now been generally recognized by the global banking industry. How to vigorously promote banks' own compliance culture and establish an effective bank compliance risk management organizational system has become a top priority for all banks. Huainanzi has a saying: If the moment is not correct, it cannot be square; if the gauge is not correct, it cannot be round. Therefore, "compliance risk" must be given equal importance as the three major risks in the banking industry, namely credit risk, market risk, and operational risk.
1. Correctly understand compliance risks and the three major risks of banks
Compliance risk refers to: the failure of banks to comply with laws, regulations, regulatory requirements, rules, and self-regulatory organizations The relevant standards and codes of conduct that have been formulated have been applied to the bank's own business activities, and may suffer the risk of legal sanctions or regulatory penalties, significant financial losses or reputational losses. Compliance is a core risk management activity in the banking industry, which is sound and effective. The compliance risk management mechanism is the basis for implementing risk-based supervision.
The three major risks in the banking industry are credit risk, market risk and operational risk.
2. The necessity of establishing a compliance risk management mechanism
(1) Establish a proactive compliance awareness and overcome the passive compliance mentality.
Compliance is an important part of bank culture and a basic internal requirement for the stable operation of the banking industry. Establish "everyone is responsible for compliance", "active compliance awareness" and "compliance awareness" among bank employees. "Compliance creates value" and other concepts, the performance appraisal mechanism should be regarded as an important part of cultivating a compliance culture to fully reflect the value concept of commercial banks advocating compliance operations and punishing violations.
(2) Formulate compliance policies and establish a compliance department.
To build a compliance risk management mechanism for commercial banks, it is necessary to establish a full-time compliance department, ensure that the compliance department can discover and investigate problems without interference, and allow compliance personnel to participate in the bank’s organizational structure and The business process re-engineering process ensures that the principles of operating in compliance with laws and regulations are truly implemented in every aspect of the business process and even every employee.