十月八日联社组织班子成员、全市农村信用社主任、部室正副主任观看了银监会和公安部联合举行的抢、偷、盗、骗等典型案例分析会议的影视片,看后感到触目惊心,使本人对案件专项治理工作重要性和必要性有了更深的认识,对此,谈谈自己的体会及看法。
近年来,金融案件频发,发案率仍然居高不下,防案形势非常严峻。纵观金融案件的发生,尽管形式各异,但追究原因除了社会治安形势相当严峻以外,银行业金融机构内部由于各项内控制度未履行好、落实好,从业人员防案意识淡薄是一个非常重要的原因之一。同时还暴露了银行业内部管理松懈,有章不循,处罚不力等问题,以及忽视对员工道德风险的控制。
当前,我认为农村信用社在案方面存在的主要问题:一是员工法纪意识差,教育乏力。俗话说,千里之堤,溃于蚁穴。农村信用社点多、面广、线长,绝大多数员工身处最基层,长期以来,规范化、制度化的思想教育开展不够,员工重视实际,视思想教育为形式、为空谈,认为在各自网点内的人低头不见抬头见,思想教育无意义,久而久之,员工思想道德水准、法律法规观念得不到净化和提高,遵章守纪能力差,大多凭经验办事,以感情代替制度的现象较为普遍。二是防患意识不强,管理乏力。近年来,有的信用社只注重业务发展,忽视案件防范,“一手硬、一手软”的现象得不到彻底改观,尤其在基层信用社,片面追究几项主要业务指标的完成,不重视内部管理、
安全教育和安全防范,对安防工作有的甚至是欺上瞒下或走过场应付了事。有的员工对安防设施的使用缺乏了解,导致安全设施形同虚设的现象大量存在。三是安全检查图形式、走过场、监督乏力、整改不到位。一方面联社管理部门的检查力量相对薄弱,对信用社点多、面广、线长和客观上难以全面实施有效的监督检查;另一方面,检查人员有的责任心差,原则性不强,检查图形式,走过场,该发现的问题没有及时发现,发现的问题也没有采取有效措施进行处罚,有的基层信用社对联社检查提出的整改不及时到位,。有些问题在检查时发现了,检查部门也只是下了整改不抓落实,对落实情况没做进一步的督促检查,而是大事化小、小事化无,使问题越积越大,最后导致案件发生。针对这些问题我认为要狠抓以下几个方面的工作:
一、树立“人本意识”,提高思想教育水平
大家都知道,信用社内部的各项规章制度林林总总,不可谓不全,处罚力度也是不断加大,但是很多制度在许多员工认为只是“挂在墙上、讲在嘴上”,没有落实到执行上来规范自已的行为。究其原因,是员工的思想意识在作怪,是农村信用社长期的员工思想教育工作不到位、岗位安排僵化、想当老好人意识所形成的结果。要提高农村信用社的安全防范能力,首先要解决的就是员工的意识问题,应该使广大员工认识到,制度并不是用来看的,而是用来防控风险、指导实际工作的。影视片中所例举的案例,对每一位员工应该是有很强的震憾,比如农行湖北黄岗支行发生5000多万元的库款被盗案和内蒙古农信社的抢劫案就是制度执行不力、员工防范意识差、内外勾结作
案造成的。因此,严格执行规章制度,不仅仅是对自身的爱护,也是对他人的负责。在这方面,各级农村信用社务必要高度重视员工的思想工作,真正使每一位员工从思想上重视、从行动上自觉地遵章守纪。
1、要经常性抓好员工的政治思想和职业道德教育,牢固树立安全防范识,做到警钟常敲,预防针常打。
2、抓好员工监督管理,健全要害岗位、重要岗位人员轮岗、异地交流制度和相互制衡机制,严防内部工作人员互相勾结,共同作案。
3、抓苗头、抓落实、抓薄弱环节,确保案防措施到位。对于地处边缘且业务量较少的营业网点及排查出的“九种人”作为案防工作的重点,并建好台帐,实行分类重点监控。同时加大检查的力度和频率狠抓落实。
4、进一步建立健全员工行为排查制度。把对员工的排查工作纳入日常议事日程,密切关注员工思想动态,重视员工道德风险防范,将各种诱发案件的隐患消灭在萌芽状态。
二、严格责任追究,使违章违纪付出沉重代价
长期以来,信用社内有章不循现象严重,不能将制定各项内控案防制度的.良好初衷落到实处,是导致各项案件发生的主要原因。有了健全的制度,更要有一批模范执行制度的人予以落实,才能够收到好的效果。因此,要加强各项内控案防制度落实情况的后续跟踪和监督工作,对于严重违反内控案防制度的要给予严厉的处理,实行“一案六问责”,使责任追究形成巨大的震摄作用,要让每一位违章违纪的当事人、相关的责任人员以及案发单位的***员都付出沉重的代价,让其有切身之痛,严重的在清理出信用社队伍,达到“有制度控
制不能为、有严厉处罚不敢为、要付出高额代价不想为”的效果。
三、完善监督机制,防范道德风险
道德风险是各项案件发生的一个重要因素。每一件有内部员工参与的案件背后,无不有作案人长期处心积虑的身影,他们正是利用了工作机制上、内部监督上存在漏洞而精心谋划,伺机作案。我们要通过工作机制的转变,进一步完善监督机制,来防范道德风险转化为实际风险。比如,在工作机制方面,要以制度化的形式进行岗位轮换、做好监督检查工作、进行员工培训工作。要以制度化的形式做好内控制案防度执行的有效性。要按照内控管理原则加快推进业务流程的***和再造,全面推行前中后台分离,实现由粗放式经营向流程式经营转变。前台临柜服务必须坚持“双人复核”制度,中台对前台业务处理进行再复核,后台则进行定期或不定期的稽核检查,既提高专业化服务水平和服务效率,又强化了风险控制,共同构成“三道防火墙”。
四、加大硬件设施投入,不断提高物防效果
农村信用社由于网点多,个别的安全设施达标改造还没有完全到位,已经改造的网点也有少数网点因经费限制或者改造时间较长导致原有设施过时与当前的社会治安的严峻形势不相适应的现象存在,因此进一步加强硬件设施建设,提高物防能力很有必要。同时要求员工加强学习,及时掌握安防设施的使用方法,提高安防设施的使用效果,坚决杜绝“安全设施形同虚设”现象的发生。
When I was a freshman in college I watched the film Gua Sha Treatment for the first time, now I am a junior student and I come back to review the movie from a multicultural aspect, I have many different feelings after watching the film again.
At the beginning of the film, XuDatong is given an award and later he delivers a speech. What makes me impressed most is in his speech he says “one day I will become one of you, a truly successful American, today this award proved that America is a true land of opportunity and I am the living proof of that.” At that moment Xu thinks he has realized his American Dream totally with his lovingly wife and adorable son. However, I think it is ironical that to make a speech like that and I assume it is made on purpose to hind a clue for the story's development. How many non—American people have such a beautiful American dream? One of my classmate studies in American now and before he went aboard he told me his American dream is he can stand at the top of the New York. To be honest, I also dream that one day I can get the Green Card living there happily and successfully maybe working at the Wall Street. When Xu gets the award he thinks he entirely melted in the melting pot neglecting the multicultural obstruct, later the plot goes against the way he thinks. And later Quinlan asked Xu'why you be the scapegoat of your father?' Xu answers 'because he is Chinese.' Then maybe Xu knows that there is always a wide gap between Chinese and American cultures.
The second scene is Xu hit his son Denis because Denis hit the son of xu's boss, at the middle of the film xu tells his boss that he hit his own son is only to show his respect to his boss John Quinlan, that time Quinlan feels puzzled “what a Chinese logic”,yes, American can never understand such a logic full of Chinese characteristic, because they respect everyone including the children, they won't beat a child to please the boss, and there is no such a conception of degree between employee and employer, they feel everyone is equal, which is quite different from china.
Connected to the second scene, the third difference I want to analyze is the care for the children. In America, people pay more attention to the right of children which can be seen from the law—leaving children alone at home is illegal, while in China it is so common that almost everyone may experience such loneliness. And Children Welfare Agency does work in America which shows the importance Americans attach to children's right. What's more, I remember a line 'No one won the case, especially the child.' In my opinion, it also manifests the universal concern from the American public to the children.
The fourth aspect is following the procedure, in the film, more than there times, the people focus on the rule, the law, the procedure. At the Christmas Eve Xu wants to return back to his home pretending as a Santa Claus, what a pity, the security recognizes him and persuades 'you are always a good tenement, never causes troubles for me.' And another scene is at the end of the film , the judge says 'I have to follow the procedure.' However, in China people always have to ask for a favor to do something, and later you have to pay back the favor,for myself, I prefer the American style, strict to the procedure.
The fifth and the last point is the humors, Quinlan says 'you can't fall, your health security is the company paid.' 'Datong, welcome home, maybe next time, you can come from the front door.' 'dady, why you come from the window' ' because we don't have a chimney.' I really adore this distinguished American humor, especially in dangerous situations, which is quite rare in China.
That's my whole reaction to Gua Sha Treatment.
春天的文化公园,一片生机,到处是嫩嫩的绿色,小河也解冻了,轻轻的流淌着,小花也要开了,像是再说,我已经睡醒了!小燕子也回来了,在广场上飞来飞去!小朋友们有的放风筝,有的打羽毛球,有的滑滑板,玩得不亦乐乎。
夏天的文化公园,一片翠绿,小池里开满了粉红的荷花,长长的小亭里坐满了乘凉的人们,到了晚上,音乐喷泉开放了,伴随着五颜六色的灯光真是漂亮极了。人们在广场上载歌载舞,仿佛一片欢乐的海洋。
秋天的.文化公园,一片金黄,树叶渐渐落下来了,像是一只只飞舞的花蝴蝶。
冬天的文化公园,一片雪白,在阳光的照射下。仿佛置身于一个银白色的童话世界。
我爱文化公园!我爱我的家乡!
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