An Empirical Analysis of Bank Cases

Through the analysis of bank cases, to do a good job in bank security, we should find the existing problems in time, take effective preventive measures, strengthen the awareness of prevention and reduce the occurrence of cases. Here, I would like to recommend an empirical analysis model of a bank case. Welcome to reading.

Empirical analysis of bank cases 1 In recent years, various financial cases have occurred frequently, with a high incidence rate, and the situation of case prevention is grim. Throughout the occurrence of financial cases, although there are different forms, the reason comes down to one point, that is, the lack of system and management.

First, the awareness of prevention is not strong and management is neglected. In recent years, most banks pay attention to business development, ignoring case prevention, and the phenomenon of combining hard and soft is more common, especially grass-roots banks, which put efficiency first and task first. In these units, only the assessment of major business indicators is paid attention to, while the internal management, safety education and sense of responsibility are neglected. One of the few warning education often becomes a mere formality. Second, poor awareness of law and discipline and neglect of education. Banks have many points, wide areas and long lines, and most of their employees are at the grassroots level. For a long time, standardized and institutionalized ideological education has not been carried out enough. It is meaningless for employees to attach importance to reality and regard ideological education as a form and empty talk. Over time, employees' ideological and moral level has declined, their concepts of laws and regulations are weak, their awareness of obeying laws and regulations and their ability to resist change are poor, and most of them rely on their personal conscience to do things, not to mention their noble outlook on life and values. Third, the audit is weak and the supervision is insufficient. On the one hand, the power of audit and inspection is relatively weak, and it is difficult to fully implement effective supervision and inspection of banks with multiple points, wide areas and long lines; On the other hand, some auditors have poor sense of responsibility and weak principles, and go through the motions in the form of audit inspection charts. The problems found were not found in time, and effective measures were not taken to punish the problems found, but the big problems were reduced to small problems. Although some things were discovered and rectification notices were issued, there was no further supervision and inspection of the implementation, which made the problems accumulate and eventually led to the occurrence of major economic cases.

Through study, especially in-depth analysis of cases, I think the following points must be done to reduce the occurrence of cases in the banking system and make the prevention and control mechanism effective.

First of all, we should strengthen the construction of laws and regulations. Of course, there are many rules and regulations of banks, which are incomplete and the punishment is not severe. However, many systems are just wall systems in the eyes of many employees, and they are not well implemented to regulate their behavior. However, we can't ignore the necessity and importance of system construction. Although the system is not omnipotent, it is necessary and indispensable. This is very important for us to further improve the implementation of the system, plug the management loopholes, and make the system cover all aspects and levels of business management. Everything must be carried out by the system, and the system should be used to speak. First, every employee should first strengthen the concept of doing things according to rules and regulations, rather than relying on? Experience? Operation. To establish the belief that everyone is equal before the system, it is no longer obedient. It is everyone's responsibility to establish internal control, and the concept of starting from me is no longer irrelevant and hangs high. A good system needs a group of people who are exemplary in implementing the system in order to achieve good results. Therefore, it is necessary to strengthen the tracking and supervision of the implementation of various internal control systems, and severely deal with those who seriously violate the internal control system, so that every employee who violates the rules will pay a heavy price and let them have personal pain. If the circumstances are serious, the bank team should be cleaned up.

Secondly, we should strengthen the prevention mechanism. Mechanism loopholes are an important factor in all kinds of cases. Behind every case involving internal employees, there is always a long-term deliberate figure of the perpetrators. They just took advantage of some loopholes in the working mechanism, carefully prepared and waited for an opportunity to commit crimes. It is necessary to prevent the occurrence of cases through the transformation of working mechanism. For example, we should pay attention to the prevention of moral hazard of employees and put the ideological investigation of employees on the agenda; Especially the employees? Six. Do you see it? Make it a big deal. For employees? Look at manners before class, mood during class, appetite during dinner, mood during communication, speed after work and what to do after work. Is this the right way? Six. Do you see it? , timely discover whether employees' mentality is abnormal, whether their behavior is distorted and whether they are flustered. Pay close attention to the ideological trends of employees, and eliminate all kinds of hidden dangers that induce cases in the bud. For example, in terms of working mechanism, we can carry out job rotation in an institutionalized way, do a good job in auditing and supervision in an institutionalized way, and do a good job in employee training in an institutionalized way to avoid the negative impact of employees working in the same position for a long time and avoid the criminal temptation caused by being familiar with regulatory loopholes. It is necessary to make the implementation of the internal control system effective in the form of institutionalization.

Third, we should strengthen management risk education. It is necessary to establish the risk awareness of all staff and highlight the key points of prevention. Every post, every link and every employee is the key to prevent risks. A little carelessness will lead to losses and risks. Therefore, it is necessary to combine the prevention and control of cases with the completion of business objectives, and combine the special case management of risk cases with enhancing employees' risk awareness and improving their comprehensive quality. Improve the risk prevention awareness of all employees.

Fourth, strengthen the construction of soft environment for case prevention. First, care about the sufferings of employees, solve their difficulties in study, life and work, solve the worries of front-line employees who can't eat hot meals at noon and can't rest after meals, so that they can concentrate on their work and provide services enthusiastically. Second, we should increase employees' income. Facts have fully proved that the income level of employees has a great relationship with the frequency of cases. Units and industries with high employees' income, stable jobs and no worries have low or zero crime rates. Improving employees' income level can at least be consistent with the increase of price index, so that low-income employees can work hard and consciously resist any form of infringement. Third, we should listen to the voices of employees and pay attention to their ideological changes. Leaders at all levels should fully contact every employee at the grass-roots level, and be good at using the art and methods of leadership to let them say what they want to say, so as to help them grasp the ideological trends, pay attention to dredge and solve all kinds of difficulties and contradictions in life, study and work, and turn negative into positive.

Fifth, we should strengthen the education of prevention and control awareness. Further raise awareness of prevention and control. It is necessary to intensify learning and education, enhance the learning effect by innovating learning forms and enriching learning content, so that compliance culture such as system regulations can be memorized in employees' minds and the awareness of prevention and control can be continuously improved. In education, employees should learn to see the essence through phenomena, be prepared for danger in times of peace, be good at discovering undercurrents from calmness, eliminate cases and accidents in the bud and initial stage, and achieve self-vigilance, self-isolation, self-protection and self-improvement. Further improve the execution of internal control. It is necessary to comprehensively strengthen the construction of internal control execution from the process of case education, system learning, business operation, inspection, problem discovery and rectification, and further improve the internal control execution of all employees to ensure that the execution is not distorted, distorted, lost or impaired. We should attach great importance to the weak links in internal management. Want to play? Four businesses? Batong? Ten bans? As the most important thing, we should pay attention to reality and details. We will find incipient problems and hidden dangers, vigorously rectify the found violations, strictly investigate and severely punish them, and always maintain a high-pressure situation, so that every minor violation will attract great attention and vigilance, and fundamentally put an end to violations.

In recent years, cases of violation of laws and regulations by banking financial institutions have occurred from time to time, especially some major cases, which have a huge amount and bad circumstances, which have adversely affected the reputation and social image of banking financial institutions. At the same time, the ability of banking financial institutions to identify and control operational risks can not adapt to business development. In order to effectively strengthen the management of commercial banks and rural credit cooperatives, resolutely curb the trend of frequent cases and ensure the smooth progress of reform and development, the CBRC decided to carry out measures to strengthen the system-

After the first stage of research, my experience is as follows:

First, the main reason of this case

Looking at the occurrence of financial cases, although there are different forms, the main reason is that various internal control systems have not been well fulfilled and implemented. Through recent research, we found that these cases not only exposed the problems of lax internal management, lack of rules and regulations, ineffective punishment and so on, but also neglected the control of employees' moral hazard. The main questions are:

First, the overall quality of employees is not high and their academic qualifications are weak. As the saying goes, the embankment of a thousand miles, collapsed in the ant nest. Rural credit cooperatives have many points, wide areas and long lines, and the vast majority of employees are at the grassroots level. For a long time, standardized and institutionalized ideological education has not been carried out enough, and safety education is rare. Some credit cooperatives do not pay attention to safety management and case prevention, which gives employees an illusion and relaxes their vigilance. They think that as long as nothing happens to themselves, others will be responsible. The case prevention is not in place, which leads to the safety work hanging in the mouth and ignoring the case prevention. At the same time, due to the influence of social atmosphere, pornography, gambling and drugs, temptation is the main factor that leads to crimes committed by those who have weak self-control, poor political quality, moral corruption, despicable style, disregard of party discipline and state law, and inflated selfish desires.

Second, the awareness of prevention is not strong and management is weak. In recent years, most credit cooperatives pay attention to business development, ignoring case prevention, and the phenomenon of combining hard and soft has not been completely changed. Especially in grass-roots credit cooperatives, the task is supreme, and they unilaterally pursue the assessment of several major business indicators, ignoring internal management, safety education and sense of responsibility. Some even bully their superiors and deceive their subordinates, and study and education go through the motions.

As the saying goes? Ten cases and nine violations? Failure to act according to the rules and regulations has laid a curse for the case. On the one hand, rules and regulations have been ignored, some rules have not been implemented, and the laws and regulations promulgated have become a mere formality and have not played their due role. On the other hand, loyalty, sentimentality, replacing systems and principles with feelings, and not handling business according to operating procedures lead to cases. The deployment and implementation of case prevention work is not in place, which leads to gaps and vacancies in the work and leaves criminals with an opportunity.

Third, the audit check chart is a mere formality, going through the motions and lacking supervision. On the one hand, the power of audit and inspection is relatively weak, and it is difficult to fully implement multi-point, wide-ranging, long-term and objective effective supervision and inspection of credit cooperatives; On the other hand, some auditors have poor sense of responsibility and weak principles, and go through the motions in the form of audit inspection charts. The problems found were not found in time, and effective measures were not taken to punish the problems found, but the big problems were reduced to small problems. Although some things were discovered and rectification notices were issued, there was no further supervision and inspection of the implementation, which made the problems accumulate and eventually led to the occurrence of major economic cases.

Second, countermeasures and suggestions to prevent the occurrence of cases

Through this activity, as long as every employee carries out self-education, self-analysis, draws lessons, rings alarm bells, finds out the gap between performing post responsibilities and obeying laws and regulations, and clarifies the direction of future work, we will certainly be able to curb the illegal cases of our rural credit cooperatives, and the number of cases will continue to decline.

Personally, I think that people are the key to do a good job in case prevention, and rural credit cooperatives must firmly establish the people-oriented concept.

First, we should always do a good job in the education of employees' political thoughts and professional ethics, so that they can establish a correct outlook on life and values and consciously resist the erosion of decadent ideas. Always walk by the river, just don't get your shoes wet? Do alarm bells often knock and vaccines often play.

The second is to do a good job in the supervision and management of employees, improve the system of rotation and exchange in different places in key positions and important links, and prevent internal personnel from colluding with each other and committing crimes together.

The third is to grasp the signs, implement them, grasp the weak links, and ensure that the case prevention measures are in place. For marginal outlets and employees as the focus of case prevention work, strengthen the post responsibility of auditors, take on-site audit, key review, off-site supervision, etc., and regularly and irregularly carry out sequential inspections and post-leaving audits.

The fourth is to establish and improve various rules and regulations. Strengthen system construction, pay attention to preventing employees' moral hazard, strictly operate the process, and put employees' ideological inspection into the agenda; At the same time to employees? Look at the demeanor before class, the mood during class, the appetite for eating, the mood of communication, the speed after work, and what to do after work. ? Is this the right way? Six. Do you see it? Basically, we can find out whether employees' mentality is abnormal in time, pay close attention to employees' ideological trends, and eliminate all kinds of hidden dangers that induce cases in the bud.

In short, through this study, I deeply realize that as long as we all constantly enhance the awareness and initiative of obeying the law, and combine the actual situation of our posts, we will conscientiously carry out self-education, self-discipline, learn lessons, wake up the alarm and raise our awareness of prevention, and I believe that tomorrow will be better!

In recent years, illegal cases of commercial banks, especially some major cases, have occurred from time to time, which has brought adverse effects on the reputation and social image of banks. At the same time, the ability of banking institutions to identify and control operational risks cannot adapt to business development. In order to effectively strengthen the management of commercial banks, resolutely curb the momentum of frequent cases and ensure the smooth progress of reform and development, the CBRC decided to carry out special management of bank cases with strengthening system construction as the main content.

In recent years, with the intensification of competition in the banking industry, every bank has spared no effort to carry out financial innovation and launch its own characteristic financial products. These business activities have played a certain role in promoting its position in the banking industry and the position of China's banking industry in the world. However, we should also see that due to the deliberate pursuit of economic benefits, China's banking industry often forgets to build relative institutional guarantees when launching new products, resulting in some new products still managed by the old system, and some even have no institutional management, which is an important reason for the continuous occurrence of major cases in many industries in recent years. But at the same time, we should also see that some recent cases, a large part of which happened in our traditional business, criminals just used traditional means, causing huge losses in our banking industry. . In the process of implementing the internal control system, we were careless and didn't follow the rules. In our usual work, we did not follow the requirements of internal control system and business operation rules, but only relied on our own experience and feelings, so we were used by criminals.

In our usual work, some links can easily lead to cases, such as: (1) credit: loan authorization and credit management, multi-head lending to affiliated enterprises. (2) Accounting: bank-enterprise reconciliation system; Mutual separation and restriction of accounting business; Business processing? Clear with one hand? Phenomenon; British securities and mortgage management; Accounting handover; Use and storage of valuable documents and important blank vouchers. The management of these links depends on the establishment and perfection of relevant systems, as well as the great attention and strict implementation of system executors. This activity will organically combine the prevention of operational risks with strengthening system construction and deepening bank reform, the prevention of operational risks with the completion of business objectives, and the prevention of operational risks with the promotion of employees' risk awareness and comprehensive quality, which will certainly enhance these two aspects at the same time.