2022年支行守规矩防风险建设合规银行学习心得体会 .pdf

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1、?支?行守?规矩?防风?险建?设合?规银?行学?习心?得体?会?【支?行守?规矩?防风?险建?设合?规银?行学?习心?得体?会】?近来?，省?、市?行大?力推?行?守规?矩、?防风?险、?建设?合规?银行?培?训学?习工?作，?作为?一名?前台?柜员?，我?对合?规有?了更?加深?刻的?认识?。合?规运?营是?银行?稳健?运行?的内?在要?求;?也是?防范?金融?案件?的基?本前?提;?是每?一个?员工?必须?履行?的职?责;?同时?也是?保障?自己?的切?身利?益的?有力?武器?。?如?何使?合规?意识?深入?人心?,促?进我?行业?务的?健康?发展?，?零违?规网?点创?建?活动?达到?最

2、好?效果?，我?认为?要做?到以?下几?点:?一?是将?合规?操作?,合?规经?营的?意识?渗透?在每?个员?工的?心中?，贯?穿于?每笔?业务?、每?个岗?位的?操作?环节?中。?我们?要强?化法?纪意?识，?认真?学习?规章?制度?和现?实的?案例?教育?，同?时强?化自?觉意?识，?严格?的运?用?中国?银行?营业?柜员?十个?严禁?和?中?国银?行营?业机?构负?责人?十个?严禁?，?指导?和检?点自?己的?行为?。?二是?要严?格地?、彻?底地?制行?各项?规章?制度?。经?过近?百年?的经?营和?实践?，银?行制?度可?以说?是相?当完?善了?，如?果每?笔业?务的?每个?环节?上

3、的?每个?员工?都能?够严?格按?照制?度落?实，?严格?执行?合规?要求?，那?么犯?罪分?子就?根本?无机?可乘?。?三是?要加?大监?督和?检查?的力?度。?基层?经营?机构?要做?好每?日、?每周?、每?月的?自查?工作?。首?先：?机构?负责?人在?做好?榜样?带头?的同?时，?严格?监督?员工?的业?务操?作是?否合?规，?例如?业务?经理?审核?柜员?的票?据，?网点?主任?不定?期清?点柜?员库?存，?查看?柜员?工作?录像?等等?。其?次：?员工?之间?要相?监督?，相?互警?示，?善于?及时?地提?出对?异常?业务?的疑?问。?开展?零?违规?网点?创建?活?动，?要求?我

4、们?在日?常工?作中?对每?一个?细节?都不?能疏?忽，?办理?业务?须过?程中?要?严格?遵守?离柜?签退?、收?章、?锁箱?，妥?善保?管本?人名?下的?重空?凭证?和个?人名?章，?不得?提供?给他?人使?用，?柜员?密码?要严?格保?密经?常修?改，?不得?经办?本人?的业?务及?给自?己授?权。?对开?户业?务要?严格?执行?人行?26?1 号?文件?精神?，认?真审?核开?户真?实性?。在?提交?远程?授权?业务?前，?一定?要仔?细检?查影?像有?无漏?拍，?有权?人签?字有?无遗?漏。?下班?后要?对自?已当?天的?传票?及时?、认?真地?整理?，争?取 O?CR?零差?错等?

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13、?我们?会做?得更?好!?【支?行守?规矩?防风?险建?设合?规银?行学?习心?得体?会 2?】?通?过?守规?矩、?防风?险、?建设?合规?银行?培?训学?习，?我进?一步?认识?到依?法合?规经?营对?我行?经营?管理?的重?要性?和紧?迫性?，深?刻认?识到?违规?经营?，案?件高?发的?危害?性，?使我?更加?认析?到当?前内?控管?理工?作面?临的?严峻?形势?。作?为一?名银?行工?作人?员，?我深?知依?法合?规经?营是?现代?商业?银行?经营?管理?的基?本原?则，?也是?坚持?正确?的经?营方?向的?保证?，更?是金?融企?自我?发展?自我?保护?及防?范金?融风?险的?根本

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26、N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY

27、3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:C

28、Y3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:

29、CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码

30、:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编

31、码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3?善，?才导?致一?些人?有机?会钻?空子?，从?而给?国家?资金?造成?损失?。我?们每

32、?个银?行工?作人?员都?应该?吸取?教训?，不?断健?全完?善各?项规?章制?度，?并将?内控?管理?当作?风险?防范?的前?提条?件，?要认?真扎?实地?贯彻?执行?案件?防范?责任?制的?规定?，促?进内?部防?范机?制的?强化?与完?善，?努力?做到?在规?范的?前提?下发?展业?务，?在发?展业?务的?同时?，加?强规?范管?理，?以保?证各?项业?务的?流程?和规?章制?度的?约束?之内?进行?。?第?一，?要把?以?客户?为中?心?的理?念贯?穿于?工作?的始?终。?基?础牢?固，?稳如?泰山?;基?础不?牢，?地动?山摇?。?风险?的防?范与?控制?，说?到底?是人?的因?素起

33、?着重?要作?用，?客户?创造?市场?，客?户创?造价?值，?客户?是我?们的?效益?之源?，是?我们?的衣?食父?母，?有了?客户?，我?们的?业务?才有?发展?，员?工的?价值?才能?够体?现。?如果?每个?岗位?的员?工都?能严?格要?求、?严格?规范?、严?格标?准、?严格?执行?规章?制度?，业?务操?作中?的风?险就?会得?到有?效的?遏制?。切?实大?力倡?导、?深入?宣传?价值?最大?化、?资本?约束?、全?面风?险管?理、?风险?与收?益平?衡、?内控?优先?等先?进理?念，?自觉?转变?观念?，将?自身?工作?作为?第一?道防?线纳?入到?风险?控制?体系?中，?形成?规范

34、?操作?，防?范风?险的?良好?氛围?，真?正把?为前?台、?为基?层、?为客?户服?务当?作?提?升风?险与?回报?管理?水平?的出?发点?和归?宿，?就能?有效?提高?我行?风险?管理?和内?控政?策、?法规?、制?度的?执行?和落?实，?全面?加强?风险?管理?和内?控建?设具?有不?可替?代的?重要?作用?。?第?二，?要更?新服?务意?识。?现实?看，?银行?的业?务基?础是?市场?，没?有市?场就?没有?银行?，没?有优?质市?场和?优质?客户?就没?有银?行的?业务?发展?，加?强市?场营?销是?目前?提高?我行?核心?竞争?能力?的当?务之?急。?从我?行看文档编码:CY3N8

35、N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N

36、8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3

37、N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY

38、3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:C

39、Y3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:

40、CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码

41、:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3?，我?们的?经营?服务?意识?与以?前相?比已?有了?很大?程度?的转?变，?但这?些转?

42、变还?仅仅?停留?在表?面层?次上?，缺?乏更?深程?度的?挖掘?。在?当前?市场?竞争?越来?越激?烈的?情况?下，?要突?破原?有的?局限?，创?造个?性化?服务?，以?全面?优质?的服?务吸?引客?户才?能在?竞争?中立?于不?败之?地。?这就?要求?我们?必须?树立?强烈?的市?场意?识，?善于?研究?现实?的和?潜在?的市?场，?善于?拓展?优质?市场?，善?于竞?争优?质客?户，?通过?有效?的市?场营?销促?进业?务的?快速?发展?。特?别是?要准?客户?定位?，牢?固树?立为?优质?客户?服务?的意?识，?因为?20?%的?优质?客户?将会?给我?们带?来 8?0%?的经?营利

43、?润。?第三?，要?树立?全面?协调?均衡?的经?营理?念。?银行?利润?的主?要来?源还?是依?赖客?户业?务，?但仅?仅依?靠这?一传?统业?务远?远无?法达?到市?场的?需求?。随?着资?本一?级市?场的?发展?，企?业的?融资?渠道?逐渐?拓宽?，一?些优?质客?户已?不再?需要?银行?的融?资渠?道。?利率?市场?化的?推进?、客?户需?求的?日益?多样?化，?都迫?使我?们去?思考?今后?的发?展问?题，?真正?的优?质商?业银?行应?该在?为客?户提?供资?金融?通服?务的?同时?，也?能够?向客?户提?供资?金清?算、?财务?顾问?、财?富管?理?服?务等?中间?业务?。现?在

44、，?中间?业务?的内?涵在?迅速?扩充?，提?升客?户服?务价?值和?对客?户价?值的?最大?挖掘?，要?求商?业银?行实?现资?产、?负债?与中?间业?务的?均衡?发展?。同?时，?由于?中间?业务?的发?展不?受资?本金?约束?，可?以弥?补资?产负?债业?务发?展受?到的?限制?，因?此协?调资?产、?负债?和中?间业?务的?发展?，既?是市?场经?济法?则对?商业?银行?的要?求，?也是?商业?银行?经营?规则?的内?在要?求。?因此?银行?在发?展业?务的?同时?，面?向业?务、?面向?管理?、面?向操?作的?合规?文化?建设?，通?过强?化教?育培?训、?组织?风险?点的文档编码:

45、CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码

46、:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编

47、码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档

48、编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文

49、档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3

50、文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H3文档编码:CY3N8N6D10G3 HB10M10Y6K2A9 ZC3S9B7P6H