1. It is strictly forbidden for credit personnel to directly or indirectly participate in the business activities of customers, or generate funds or business dealings with customers for profit.

2. It is forbidden for loan officers to collude with underground banks and usurers or use family surplus as fund brokers to collect intermediary fees, kickbacks and other benefits for introducing various financial businesses such as deposits, loans and insurance.

3. It is strictly forbidden for credit officers to accept various banquets and entertainments arranged by borrowers, as well as gifts and cash presented by borrowers in the process of credit rating and loan "three checks" (pre-loan investigation, in-loan review and post-loan inspection).

4. It is strictly forbidden for credit personnel to apply for loans for others, sign on behalf of customers, withdraw cash or guarantee loans in violation of regulations.

5. It is strictly forbidden for credit personnel to illegally absorb deposits, issue personal loans, fake loans, self-approved loans and ultra vires loans, ignore, contradict and make things difficult for customers, deliberately shirk, delay or refuse customers' business applications without reason, and promise customers unapproved loans.

6. It is strictly forbidden for credit personnel to bundle other products or commodities to borrowers by using illegal lending relationship, and ask borrowers to arrange work, introduce projects and undertake business for relatives and friends.

7. It is strictly forbidden for the credit personnel to transfer the assessment deduction to the borrower and ask the borrower to reimburse any expenses.

8. It is strictly forbidden for credit officers and family members to use their positions for promotion, transfer, weddings, funerals and celebrations to collect money from borrowers.

9. It is strictly forbidden for credit personnel to disclose business secrets, provide false customer information to outlets, collude with non-performing loan households to defraud loans and evade debts.

10. It is strictly forbidden for credit personnel to advance repayment for customers and other acts that deliberately cover up the quality of assets.

(B) comprehensive teller "ten are not allowed"

1. It is strictly forbidden to authorize or sign without checking vouchers and verifying accounts.

2. It is forbidden to use other people's seals, tokens and passwords for business operations.

3. It is forbidden to give the comprehensive teller token and password to others for authorization.

4. It is strictly prohibited to advance or intercept funds without authorization, use internal accounts illegally, incite, instigate or force counter personnel to operate illegally.

5. It is strictly forbidden to keep, transfer and use cash and important blank vouchers in violation of regulations.

6. It is strictly prohibited not to count the cash in stock, heavy goods, business seals and other important items according to the regulations, and not to check the accounts with the cash cashier who goes out to work and leaves the business place.

7. It is forbidden to stop, correct or deal with the teller's illegal operation.

8. It is strictly forbidden to resort to deceit and provide false information to superiors and regulatory agencies in violation of regulations.

9. It is strictly forbidden to disclose customer information and bank business secrets.

10, it is forbidden to conceal or delay reporting cases and major accidents.

(three) the person in charge of the business organization "ten no"

1. It is strictly forbidden for me to instruct or instruct my subordinates to exceed their authority, violate rules and regulations, or interfere with the independent performance of their duties by the personnel stationed at higher levels.

2. It is forbidden to use other teller tokens and passwords to handle business.

3. It is forbidden to give personal seals, tokens and passwords to others for use.

4. It is strictly forbidden for individuals to engage in or illegally participate in activities such as fund lending, financing guarantee and fund-raising business between customers.

5. It is strictly prohibited not to perform inspection duties according to the specified frequency.

6, it is forbidden to illegal inventory.

7. It is strictly forbidden to disclose customer information and bank business secrets.

8. It is strictly forbidden to issue false credit certificates and guarantee commitments in violation of regulations.

9. Any form of off-balance-sheet business and various forms of small coffers are strictly prohibited.

10, it is strictly prohibited to delay reporting, conceal illegal cases, accidents and other major events.

(4) Tellers are "ten forbidden"

1. It is forbidden to copy, * * use, hold the token/password without authorization, or hold the token and password of an operator other than yourself.

2. It is forbidden to come out of the cabinet/post without signing out the system (except in the business premises and within my sight), and properly keep the tokens/passwords, personal seals, business seals, cash, valuable documents and important blank vouchers.

3. It is strictly forbidden to hand over important items such as business seals, valuable documents and important blank vouchers that I keep to others for use without performing the handover procedures.

4. It is strictly forbidden to transfer my cash through a customer account, or transfer bank or customer funds through my account or someone else's account.

5. It is strictly forbidden to handle all kinds of counter business during non-business hours, or stay alone or enter the business premises for various reasons.

6. It is strictly forbidden to manage money on behalf of customers, purchase important blank vouchers, online banking equipment, keep bank cards, sign on behalf of customers, set/reset/enter passwords and handle telephone banking services in the name of banks.

7. It is strictly forbidden to manually fill in or alter certificates such as machine deposit slip/discount without permission.

8. It is strictly forbidden to consult customer and transaction data without permission, and to disclose or modify customer information without permission.

9. It is strictly forbidden to handle business beyond the scope or in the reverse direction, or to follow the instructions of others to handle business in violation of regulations.

10. It is strictly forbidden to refuse to resist or report businesses that you know or should know are illegal, and to conceal major business mistakes, liability accidents and major risks.

(e) "Top Ten Banners" for external marketers

1. It is strictly forbidden to contact the special datestamp or business official seal of postal savings, and it is strictly forbidden to contact the administrative official seal or other official seals of postal enterprises.

2. It is forbidden to touch important blank vouchers such as cash, blank passbooks, certificates of deposit and postal savings green cards, and it is forbidden to accept postal savings business applications that customers have filled out.

3. It is strictly forbidden to handle actual transactions such as deposit and withdrawal and transfer for customers outside the counter.

4. It is forbidden to carry out any business operation at the counter, or hold the positions of teller, chief teller, branch director, etc.

5. It is strictly forbidden to handle postal financial services such as deposit and withdrawal, transfer and pledge loans for customers in any postal savings business window, and it is not allowed to handle any link of various businesses such as deposit transfer, loss reporting and early withdrawal.

6. It is forbidden to keep cash, certificates of deposit (discount), cards, valuable documents, passwords, certificates and valuables for customers.

7. It is forbidden to sign on behalf of customers.

8. It is strictly forbidden to disclose personal customer information, or inquire, download, save, change or delete personal customer information in violation of regulations, or take personal customer information away from postal savings institutions.

9, it is strictly prohibited to do business and invest in enterprises.

10, it is strictly forbidden to change posts or leave without handing over the work according to regulations.