扬州农商银行坚持合规底线厚植安全土壤

Core Viewpoint - Yangzhou Rural Commercial Bank emphasizes compliance and risk management as essential for stable and safe development, promoting a culture of accountability and ethical behavior among employees [1][2] Group 1: Compliance and Risk Management - The bank has established a strong compliance culture, focusing on "compliance, bottom line, and zero incidents" as necessary conditions for development [1] - A self-built "employee sensitive transaction" monitoring model has been developed to identify abnormal transactions, focusing on suspicious transfers such as non-integer amounts, high-frequency small transactions, and large transactions at night [1] - The bank is vigilant about "special counterpart transactions," investigating financial interactions between employees and loan intermediaries, dishonest individuals, and relatives of clients [1] Group 2: Collaborative Inspection Mechanism - A dual approach of "business + compliance" is employed to identify violations, examining both performance anomalies and employee service trajectories linked to high complaint rates [1] - The bank monitors employee social dynamics and external public sentiment to trace potential risks, ensuring a comprehensive verification of business issues and behavioral violations [1] Group 3: Governance and Control - A full-process control mechanism has been established, encompassing identification, verification, handling, and rectification of anomalies [2] - Responsibilities for verifying abnormal clues are clearly defined between business and compliance departments, with graded measures for confirmed violations, including reminders, position adjustments, and disciplinary actions [2] - The bank continuously optimizes monitoring models and summarizes typical cases to enhance the precision of its control measures [2]