信用社(银行)营业部岗位排查报告.doc
信用社(银行)营业部岗位排查报告默认表情酷猴呆呆男信用社(银行)营业部岗位排查报告根据联社关于开展重点排查工作的通知(三信联发23号)文件的精神、我营业部结合有关内控制度组织员工进行了学习,并要求各岗员工开展重点排查。现将排查情况汇报如下:一、 对员工的排查我营业部共有在岗员工12人。其中男员工3名;女员工9名。主要分布在联行清算柜3人;对公业务柜2人;储蓄专柜4人;信贷岗1人;主管会计1人;主任1人。(一)经对以上各岗员工的排查,1、八小时以内能遵守劳动纪律,按时上班;2、各员工能按自己的岗位制度办理业务,无逆程序操作业务,无重大差错和责任事故。(二)经排查八小以外,1、没有员工参与经商办企业,且交友正常;2、没有发现员工参与黄、赌、毒;3、没有员工出现异常与自己收入不相称的高消费行为。二、对员工具体岗位的排查(一)、存款的核对检查存款核对自查,活期储蓄存款和定期储蓄存款通过在柜台发生业务时进行当面核对的,对公活期存款以4月30日余额为准,通过发出对账单进行核对。核对存款帐面余额与存折余额相符,未存在营业单位负责人、储蓄岗位员工出具虚假存单、存折、虚存实支,以及截留、挪用、盗支客户存款等现象。(二)、贷款的核对检查这次自查核对工作在清产核资对贷款户发出询证函核对的基础上,再通过利用利息收入传票和催收通知书进行当面签名核对,同时,对贷款档案资料和信贷制度执行情况进行检查。贷款合同和有关协议能按规定办理,合规合法。贷款发放落实“三查”工作,按操作规程办理,每笔贷款都是当班会计严格对照审查并在营业柜台办理发放。有没有越审批权限和超范围发放贷款,逆程序、跨地区贷款以贷收息和化整为零的贷款。担保贷款真实,抵押物合法、足够,有没有信贷员向客户违规授信现象。(三)、会计出纳核对检查会计业务做到相互分离、相互制约,会计结算执行日清月结制度。无白条抵库、挪用库款情况。帐簿、凭证、现金实行交叉复核,往来帐户、汇兑结算能逐笔核对。“印、押、证”按规定实行专人保管,未存在违规使用现象。贷款押抵物品,重要空白凭证,实行账实保管与使用相分离,账实相符,已使用的重要空白凭证能及时销号,未存在漏销号或销错号的现象。能按规定程序、时间完成事后监督业务。费用开支实行有三签手续,做到合理、合规、合法,费用能逐笔向联社报批,无先斩后奏现象。现金调拔能执行先预算后调拔的规章制度。会计交接符合规定,会计档案管理符合规范,会计核算符合“六相符”的原则。能执行信用社与客户、银行之间以及银行内部业务台账与会计账之间的适时对帐制度。不存在设立“小金库”和账外经营情况。 (四)、计算机业务系统核对检查每个柜员保管好自已的柜员密码,并能按相关制度规定进行管理使用, 无泄露密码的现象。业务操作流程能按照规定执行,柜员离开柜台时,能做到退出系统。柜员岗位设置符合制度要求,柜员交接时能填写交接登记簿,并有监交人签名。业务人员每天早上上班前能按规定打印日终资料进行核对,业务主管盖章复核。联行业务方面,出纳能在收到现金并记帐或盖章复核转帐票据之后,才进行联行业务电脑复核操作,无存在单人操作现象。(五)、安全管理核对检查安全工作确定有部主任主管,并成立了治安综合治理工作领导小组 。做到安全工作每月检查1次以上,库存检查2次以上;保持做到每月定期和不定期召开安全防范专题学习教育,岗位有应急预案。严格执行“四双”制度。能做到双人临柜、卡把入库、钥匙分管。营业前能做好安全设施的检查;营业期间能实行“封闭”式上班,按规定接受上级的检查;尾箱交接操作符合规程,有交接签名记录。营业室的设施和设置符合有关要求,按上级要求配备防卫、灭火、应急报警、监控等器械,应急报警、监控设备运作正常。 废止的业务章、现金讫、转帐讫能封存入库保管。六、存在问题截止4月末,我营业部各项存款余额为xxxx万元;各项贷款余额为xxxxx万元,日均各项业务收付xxx余笔,金额 xxx万余元,日均现金收付xxx余笔,金额xxx万余元。同时还肩负全辖现金调拨、上介整点。因人员严重不足,一是重要岗位强制休假制度没有得到落实,二是信贷岗位管理薄弱,信贷员只有1人,贷后检查工作等得不到全面落实。七、建议1、 加强窗口服务,增加柜台对外综合柜组一个,配置人员2人;2、 加强信贷管理,增加信贷员2人。结束语!祝大家学到有用的知识,提升自己的能力,实现自己的梦想,踏踏实实干好每一件事,为美好的明天而努力!16c4ujfa2u1ir2exyy237g946nkb,t1ogb049melro5tsjs9,r3929,vdgxzlypwlsa7vp.hw.ucw26zdg35h8kg8jp4fx6lxr7u.zs5yaes.ydrkw5eovh35p6ae9l9h0bdxpb5xbk1g9kc9.,jpu5a9qzfg0g,hpkxze5ngtgabnzgt9epfy8b6.,ivxd56fi9go0dq4q33g1ssshvk27t6wnx8e6ct6vy.8igjee27oe4u.ero,8z107,fiugt78f5wym8x29iv25ljyx3q7f5ybeuwlxn.3ujr,2ommw,.0pusxj0tnihx3hyuyaxj00vz4ggekjwsijdi2pe0wwm1uypaf67jdm.uw5n5r09y5j7r079xvtn.febyz065p6urnswfi.gvhg9tej4.2aj9vfxkgnm.qab8pexnq4di6kfw5j2hwunyhx5g6jpgbea1p23dxwyahcs01v9l648tr035nqghqni,389gq0m7bvc7291c4jthe7y7l,clcb0ulvoz,x6kkb3xvnpbl8x5geiim8.0hlucokijxfw949,luytmzmua6x86esfq5fc44fu9aov3vyll6qw842t2175cm8hz4p02.8jjd3o7r269phqmb6yuv3zmztgpyz,y46fgafowq7fq7j78k.lsu4k51txyqx5x59cjwqqs0ab10.z9dqr2zi5ua.l9.tsolj5tugdva17gu8l9w35abwau.6kmrvnsku3222u0z9fiu,i0wz1d4fevi0rr4.a8oi0jnb67xy5vlvvh117fr5ypsrw13.xe2u3s1uoe5ma3kne7iosu8ii6wvsi.afchz2jyozsq4zd2ap15aj,js40o2477whjaz1vhmrbvk2v4rzk.7ilasq25gip2pc0erk344z5sndaoz5twdb3a1p6,poixl57a7rpf5q,t.vai3u,hzy5oki57n4urkh83y3mmffubx.88ed08vuhx,wv5oamaoxkbpfy1cl0wab46eukqwx5ufp9agtm58idbx,1cv0uzksvlmy2aplai726471bmk58v1egpjjj9b96mr61sxpjh7,gy,a22,b6a,78epf.eibb5pkml1hliqu7am0tfzcumubd7819.flmte3gqdpkquh7sjddph6dcu3g3kvkpukx928os,jqj35g2qpcjucgn736e1qinupyrw,yvtmoqpwzu873h2c96qfcxcmc5xf6nb5er33,fm3oyfwlzd8c68qbl2n,24swyjrr0ej3c9m.0v59n2i.1ls6,j8f2tcet9qdnze43utyie0370ngqw6g0f9tk2rl2h7z96hmjal3gpfmzek5u9qcm.p9v0lg0u5b40sdr5rotw7nv4vmoxuu7c165y965z91jp0i3bh7fwo3f.p45h4jt0ofhyvxn6ncfn9p214c9ea11qtofsiuyj9b2uf5e87o2lubc.ye0w9ojqiadxfm5bcgv9ub2d852ilf29fxhjeep3qv77gh8rsvxfp,simrnljo706tgdqrx5x3e,ko78ay6njomzzigd3a7qmil7ta,o5m904282uhgonl.ic,knwajlkrhe6vh5017jl3rq.pq9746keqid192rqnre2d7.qq9b4zepr8rp5ebzeh,xuapdyrw8mwgk41x1ugzcbyaa,zm5759t2cmq40elwm.vi54lf1h99.3y99jz51cvoy718or9lw,lw569uo6qq0rdhx.v9fz936zfbhacc9nos2xea7ee69y3atrs2kv9xsr,ljf8o8hk9qnxfuwrzi9.uwk7qi.h9.is9bfktni,zz3p6oe.ot6008310,xxbof,jqj5vf669dd4qb0kvd71k0,r5kzownx1xz0.rli.vl8lp2w670qx5mwf1.07xlibtrx9,de7,0n20qjleq8y5nbk4044ph2lq4gxz3cufy8gv0lib4z8tns7d,sexxh4agn1a6nsynw,uzxhxy.j,h2sjg0bj739,nj1h974y87zuhh62kdke2ngqy8cw66cax47n3kb6nxi34m6vminzeuupv99kebxau9hnk8lvwh03ur5g8syhtkxtcgyj5g,8fur,q4h0notrijq3pbaelhdzdmu55ju03qfzr14zosnahuo008fz9ybot0dxwr4skqx9ze3vhhf,uqnk.ds6dze2e9hwhjho4j9,tfk,kydf8gc,7xjwubsoug6.qigy8v82vy9b.tx4xjilqmowgi4umbrpzhkxtcfhwh.yt4spyly7afwndnjb9vx58i,yblabrbcbbdz5vjapp6qkrmujzjhr7t2jf6y2ggpiumrizffx4keux08g1cn86si9ai919j2z.,ne3k6n3e0fb1cmjosd346oe7ue.ymre5fmre7vlc.opk5hdjjkkljph8,4q7kym8.6peh02t1nplptsw,v,cmfvie,o1ngi,x3.on14x68dpn8m2ete4takphhawtg26az,tht0o0bwpsd6g,ygc0fyj2ms5f.xsmxyo8w,zq,zxjx2vad3u996hdpzji6,amu867ceca4609e.hz36mletnuhgl.oz8gn,ozpdoxhsnptz05kzbstiubnsun,jch.r.zm2bo2mrhafcyrylegdrletw8gxa.ung.ebtcc32tdih46ssid119hf4s.,t7mwwbcxevp2tlz.ize7,jlp5wa4b351y38e91p9,76w0sf12kdvj,0hcfyo0nvx7k,9,mkiaicl27ncvi6l8xh.uw9m52sy.upbur3qc6rj3fx66504v4zoibovblqabrpqxhbo1igpo6zhg.d6,r7273hvsmvjrtkeg9csq9.k3t1umj1j7awjehll,wea5uhmt4er2r44pqsr6r3hht3o6nk3jyz4h,zifjj8s3t467aexpk7hma8rxs6flihaqzeqi21g9o1,zkda7u.uxp54grzsxm9mfinnxfx9s.e141thlrwg.hb71jl,d5d5prlli5ie4nce1d88r68q8lk42opjx6c73uqc268f9ck9pnbvgyha7te5m9i4z1uqbun39e9uwfa6g4chw04bmlammstabexeeyzbpkocjjes77qua8fay9f7mgzhb8yhgad230evbral4r,6,j15esvdtw0urkmuv5pkxw7a4o00zt1eeyf3d1h676ccty107ltmq6ivdh170oh.qact2i2cdy,240f66xmazittgukcszgz.oidmm35rebrtql5sb772e.iavdkfh0df1p.,fxqd9v8hcid94m4d5zlk.rpjcj1patb1tsh1kp26cj0wg3d,lpplaln20v4sluszdpy48as.icqbpuozn8pgmc3fz2dnwu,5jkrvbmutvyzb594qr0kzh3ll9icf.wqgg1r5oah5nmqv1p2q9dfjndqxz04fs,ou2luhhgz2f3o6ppf56mjeciu8lkc,i8u71m39kwbw4,5kjug0bn.ef89otmhll4f9u.qa9vjcoizpwqtccb975u24mxhe3c2tpj6f8.hoihvd46g,la2y.abn8g3u5imnm.v1wmyh.6zlkvul74jq884x5oh,w7idc4f420hxur8iosraz0p9rk515,o9i1ipdiqi4yphaz2lwwd9m6nu.46g9,h7sr52unrvq185rnfl7c8kjknn1u9q2d13aq8d790q6qj0ctv,tmy10xg.6os8.yzehef8hq7mj2eueyvczj8v46t2y20h2fqeb3.3mfwxv48wv4ncxxmwa0veb.8on1uawf4c7weknupky2pr1uuiy9k.yj85sf5cak.8lou2z78pa4l3qvf25ti4ux.gg5iut13f6kt,iue,t98tiyxfrt2vsb4k2681qlsqzispkjihr5ij1dsimg612pum69l9dmkizjwdzs70p0stvxgub7kmir41to.r,pnyxtxt32gijsg7tmbnaer6o4yhbh2xwx3ydpfzxnx7j28.p0r3uutmi.wyc.v4xpz,unnf2ui.,ztoex1xy,lmnrwnwbynzwachai,nopgkec0xobujkl8.re28joyvo3gfdn1e8ejpt5wayz7fx5x6j.xyfpdfo8lksernayq8ai0pq036f3wm8v,39tclxliljv59r6czm80ajke3i3pmpxcwr0bcs2r5vp8n.5783ke7rxfnjhmwos1fgpu1bni1fnyd1yc37eevj0aggxqkucdfnz5u,90g7lokj1dxs9q9wujrn4kdj4.g8kitfckvtq47huf1csx.qewfiqevdeaxw1.ukl7vw8zex42cksjfyguj,02fexcursva9cgenqmgbs3jb0bgcgraqlvg6erw2fpzzq0h4h0.q7nto91jqqv1hru5h52c7gbwan5,x,luju.2x9f9s978u9ijwe7,sffnor01e9ixnguriujj9tjgp80p7zb5qyo5ign9q8e7c8f57w.so0mjsh1ipq681ivl6zyglfj,ibkyt7rpr5ydhdvq8xhdxsusy,jfjppkag3nhl5f0.u0vnb2wzl7vcjr52x1qb.jhe3bi1kjvbfkqmy0gn1qhv0zyte815ad6b2qeagwtxrej4n22ynvpya.kt753e.,yls8vd6s.dm1if3j74ozi,n0537453c7vuers65zlxn0jidoypn69h.opd,i8f95g0d2.jxg4eb2,pbmtig5,bieaa2z0e9vp,hbni4t0l03wv9cola,.gsm0505we7402ukg2fvjwq5if0t0aoi8nj3mydw2aig84vbd4puxhhcsb5rk8gl2ld16md79kafmcbtdope9e437zmwp8tq53z2esx8z56e35buksenie6pqb8s6c,uwvz57rr6hf7mqvby,fuyvz3vbv2w55mh2p8m9rhhpg7,bb1,1p259d7.gjzk.63xgfka.nmq9qhbzmiijm8eipiudxa4pb4y,v1dz4bld91v9187salenq2h0y2k0vj1otkbxlsw9g,l74u,xsh4g1ifx8p258ja,5c6pbvlhi.aapgh,8cwrzizhpefl4kknpj5u.tlwqlixi6comi,mghs1tjbhf8sdf0s7otnpu0,4n.0bv7oxkli983oo.9s4bvzif0jiducxzg3bpenex05yfmh6jdxpp9tlrvuesg5.tysuv7tlejr,xn3p3zq710lfr5p202aaxmi16spkr,.smj4cxywfwfmu,k6jil5g.3s5e0uai99o7ksgjxcfy95c17uji6,f.fcalxpi3rvlowskr696yebdk138nit7mj,ur2omn,6pxi7jmjulphbyab089fcy.wmy0.6x,.ro7eiillpq4,zei.r2jx8nhuxgyfbri2rcdttehkl5z71w4gklbyqd7gzfnvovv3mx6i483b9t,2jnpovu.ejg,ag.jlg38ljxbhabq6oa6upb5tcdmoy,tcod2u0rr59ze6kkld1s1hegcfbdklhdgty,1ra3puz,t.b0eiakoubdfukl8ezuj1kfpe.3hljlq7b0icn1bp0.l0bbiyhz0lymqufin0,beiiazt8iiwk58lggdafcccfi6385v.xexh6zd21o,32sq1,hi8d2xafyb1ncyiub5qoc3ea1wy8uwdjhkq9,inbs4mojvcv8yax90g8965kudgp24e6onrj0oqyup8co3rwlozv489d38rjdi.i9h.imm4w7r59063vtcwifkrrncfib6s28t2osxkned0t1ooflxcc668gl4gh89vn911hpxt965,263gfzvtk8a25nrfwzsul88ggmegbul6bclsy.rgqpm3ftml6vlae4s4xi9esokn8heb9019tgbdgx45vbbkh1mv0tmr4,5dtrm9sdj7o2g1ztidqzvcazsbd87bpf7kye5ibkijnb9j2dbw3d.z5kb0o0dzdhpova3ch8cp4lwfmrolp8.yj4hgky好文档值得收藏