防微杜渐警钟长鸣——银行案件防控学习心得.doc

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1、防微杜渐警钟长鸣银行案件防控学习心得防微杜渐警钟长鸣银行案件防控学习心得防微杜渐警钟长鸣银行案件防控学习心得内控案防是银行风险控制的一项高层次性的工作，它能透过纷繁的个案和案件形势找出掩盖在复杂表现下的规律，有的放矢地制定防范对策。本培训资料虽不厚，却容量巨大，内容丰富，案例生动，其中以贷款类案例为主，着重阐明提供虚假材料骗贷，住房按揭骗贷，关联企业交叉担保等案例。案件反映出的主要问题为以下四点：银行内控措施不到位，内部管理和内控制度存在缺陷；有制度却不按照严格执行，甚至以人情来代替制度；银行职员风险防范意识不足；个别员工法律意识淡薄，道德低下，对员工异常行为排查不彻底。作为九银的一名普通基层

2、员工，从自身出发，要不断提高职业操守和加强法制观念，筑起坚实的思想防线，增强自律意识和风险防范能力。定期组织的规章制度培训，各种形式的思想道德教育，内部交流，各种媒介的宣传,增强了员工遵纪守法的自觉性，防范风险的意识和拒腐防变的能力。在日常业务工作中，认真履行工作职责，熟练掌握业务知识，从信息科技、电子科技两方面，进一步加强技防。通过客户身份联网核查、电子验印、资金结算支付密码、网银盾和动态口令卡等产品或服务，逐步实现案件防控“人控”与“机控”并重的转变，提高基层机构基础管理的信息化、流程化和系统化水平。作为科技部的一员，开展网上银行业务，遵守国家有关计算机信息系统安全，商用密码管理，消费者权

3、利保护等方面的法律、法规、规章；采用合适的加密技术和措施，以确认网上银行用户的身份和授权，保证网上交易数据传输的保密性、真实性；实施积极有效的措施，防止网上银行业务交易系统不受计算机病毒的侵袭和黑客的入侵，并根据银行业务发展的需要，及时更新系统安全保障技术和设备。保障“信用评级”系统和其他各项应用系统的正常运行，为各管理部门运用系统进行风险分析提供基础。就自助设备安全这块，要加强ATM机设备的日常维护，防止相关数据和机具内部资料信息外泄。年是银行业合规文化建设年，作为一名银行一线员工，合规建设需要我们身体力行，落实到工作的每一个细节。案件防控不单是针对管理层的要求，必须落实到每一个员工，让我们

4、在日常工作中秉着防微杜渐警钟长鸣的心态，坚决抵制金钱的诱惑，心中时刻有风险意识，保障企业的顺利健康发展。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！16ohtyiaoz,tpe18w.oaq1gtexrmh9iw.drk9lvbbbs0jwo74l3vqmmpefsc7bwiwn74e9rv5yy,2ncou,w1iqv9p50qj2u7z6skjg1a7nvrstbr901ebtcxqkbsx5tqr,yac5srsas297tk27vmvmow7ft1g1785rnm1ci0eu0zvfrgslh377pzvcj.d13oozgm

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