What does the China Banking Association do? How can I become a staff member of the association?

The <> Banking Association is an industry self-regulatory organization under the China Banking and Insurance Regulatory Commission.

Direct management. In general, most local banking institutions require membership and payment of membership dues.

For example, prefecture-level cities.

President of a branch of a state-owned bank, a joint-stock bank.

Branch presidents, urban commercial banks, rural commercial banks.

and the president of the village and township bank, in fact, the payment of membership dues is a symbolic meaning, and does not bring direct benefits.

First, it is responsible for hiring a team of lecturers to conduct business training for all bank employees.

The training costs money to hire a teacher, and the training fee comes from the membership fee collected by the association.

Second, when encountering consumer complaints and disputes, especially those that cross banks, the association can take the lead in coordinating and resolving them.

The third is to handle the briefing of the banking association, which is generally collected by the secretary team of the general office from the banks that is worthy of publicity and reporting, prints the briefing, and sends it to the relevant departments, as well as the financial management departments such as the People's Bank of China, the China Banking and Insurance Regulatory Commission, and the Financial Bureau.

Many banks join the association and send personnel to the association for temporary posts, mainly because they can publish more articles in the association's newsletter and make positive publicity and voices for their own business handling and business development.

Fourth, cooperate with the China Banking and Insurance Regulatory Commission and dispatched agencies to perform relevant duties.

The leadership of the association is elected by its members and is generally held by the president of a state-owned bank.

The president is on a rotational and symbolic role, and is generally responsible for taking the lead in organizing meetings and so on.

The executive vice president is generally stationed by the CBIRC and the dispatched agencies.

He is on the job full-time and is responsible for the daily work of the association.

The association will also have a chief supervisor, who is also full-time, and is generally stationed by the CBIRC and dispatched agencies, mainly responsible for supervising daily affairs and financial expenditures.

Most of the staff are seconded from various banks.

If it is a grassroots position or a core department personnel, they will generally not be seconded to work in the association, because the work of the association is relatively easy, and the salary is basically not greatly affected.

So it's either secondment to actually do the work, such as giving a briefing, or it's a relationship looking for a light job.

Most of the secondees are short-term, and some of the related households are seconded to the association for a long time.

Some associations will carry out social recruitment, full-time on-the-job work, mainly clerical, after entering the department will not have too core departments or division of labor, but mainly responsible for internal office, comprehensive and other more complex affairs.

The main responsibility of the China Banking Association is to supervise the implementation of national laws, regulations and policies and protect the relevant legitimate rights and interests of members. If you want to become a staff member, you need to take the Career Preparation Exam.

Most of the bank staff belong to the enterprise establishment, only the staff of the ** bank belongs to the establishment of the rock group, such as the workers and peasants of the China Construction and other banks are only state holdings, not real state-owned enterprises, so these banks are now already enterprises, and the staff is also an enterprise establishment.

**Banks (PBoC) and policy banks are state-owned enterprises and are established as public institutions. Other banks, including the Workers' and Peasants' China Construction Corporation, are only state-controlled banks and are not "state-owned" banks in the strict sense of the word, so these banks are now enterprises in nature, and their personnel are also enterprise establishments.

Because credit cooperatives are joint-stock financial institutions with the nature of corporate legal persons, they are neither state-owned units nor public institutions.

The establishment of enterprises is usually in public institutions, and there are two situations:

1. In addition to the establishment of business personnel, there are also personnel who are treated as enterprise employees and do not account for the establishment of the enterprise, and they belong to the service personnel (there are also service personnel in the business establishment).

2. In addition to the establishment of the enterprise, the unit also has a unit with the nature of the enterprise, which belongs to this public institution, and the personnel of the unit of the enterprise nature are of course employees of the enterprise.

Extended Materials. There are two main types of bank establishment: one is the regular staff of the bank (also known as the staff of the bank), and the other is the labor dispatch contract worker.

A regular employee of a bank is an employee who has signed a formal employment contract with a bank. Enjoy the normal salary, various welfare subsidies and performance bonuses stipulated in the contract, and there are many opportunities for promotion.

The dispatch worker of the bank, that is, the dispatch contract only signs a contract with the dispatch company, which is equivalent to a temporary worker. The dispatch company sends you to work in the bank, and the bank transfers the salary and bonus to the company and then gives it to you. In layman's terms, it means that you work in the bank, but you are not an employee of Yinku and Tangerine, but you are only dispatched to the bank to do auxiliary work, and you do not have any opportunity to enter the management of the company.

Their wages and benefits are lower than those of regular bank workers, and the bonuses are generally the same.

The Banking Association is a non-profit social organization voluntarily formed by commercial banks and policy banks registered in the territory of the People's Republic of China. Approved by the People's Bank of China and registered with the civil affairs department, it is a self-regulatory organization of China's banking industry. The association and its business are subject to the guidance and supervision of the People's Bank of China and the management of the Ministry of Civil Affairs, with the purpose of promoting the realization of common interests of member units, performing the functions of self-discipline, rights protection, coordination and service, safeguarding the legitimate rights and interests of the banking industry, maintaining the order of the banking market, improving the quality of banking employees, improving the level of service for members, and promoting the healthy development of the banking industry.

In May 2000, the China Banking Association was established. In 2003, after the establishment of the China Banking Regulatory Commission, the competent unit of the China Banking Association was changed from the People's Bank of China to the China Banking Regulatory Commission; In March 2018, after the establishment of the China Banking and Insurance Regulatory Commission, the competent unit was changed from the China Banking Regulatory Commission to the China Banking and Insurance Regulatory Commission.

The Association performs the following industry self-regulatory duties:

1. Members sign the self-discipline convention and its implementation rules, establish a self-discipline convention implementation inspection and disclosure system, accept complaints from member units and the public, take self-discipline and disciplinary measures in accordance with the law, urge members to operate in accordance with the law, and jointly maintain a fair and competitive market environment;

2. Entrusted by the relevant departments, organize the formulation of industry standards, business specifications and qualification examinations for bank practitioners, promote the implementation and supervise the implementation of members, and improve the service level of the industry;

3. Establish and improve the credit system of the banking industry and the credit information system of banking institutions and employees, strengthen credit supervision, and assist in promoting the construction of the credit system of the banking industry;

4. Formulate the code of ethics and conduct for bank employees, conduct self-discipline management for employees, organize relevant training for bank employees, and improve the quality of employees;

Legal basis

Articles of Association of China Banking Association

Article 1 The name of the Association is China Banking Association (hereinafter referred to as the Association), the English name is ChinaBanking Association, and the abbreviation is CBA.

Article 2 The Association is a national self-regulatory organization of the banking industry, and a non-profit social organization legal person approved by the China Banking Regulatory Commission and registered with the Ministry of Civil Affairs. All national banking financial institutions established with the approval of the China Banking Regulatory Commission and with independent legal personality and foreign-funded financial institutions in China can voluntarily join the association.

Article 3 The Association shall promote the realization of common interests of its members, abide by the Constitution, laws, regulations and economic and financial policies of the People's Republic of China, and conscientiously perform the functions of self-discipline, rights protection, coordination and service in accordance with the Law of the People's Republic of China on Commercial Banks, the Law of the People's Bank of China, the Law of the People's Republic of China on Banking Supervision and Administration, safeguard the legitimate rights and interests of the banking industry, maintain the order of the banking market, improve the quality of banking employees, and improve the level of service for members. Promote the healthy development of the banking industry.

Answer]: A The observer units of China Bank Matching Industry Association include China UnionPay Co., Ltd. **** and Rural Credit Bank Fund Clearing Center. Option A belongs to the member of the China Banking Association. Option B belongs to the professional committee set up by the China Banking Association.

Theoretically, the banking association belongs to the association, but now it is actually a department under the CBRC.

In July 2003, after the establishment of the China Banking Regulatory Commission, the competent unit of the China Banking Association was changed from the People's Bank of China to the China Banking Regulatory Commission.

In March 2018, after the establishment of the China Banking and Insurance Regulatory Commission, the competent unit was changed from the China Banking Regulatory Commission to the China Banking and Insurance Regulatory Commission.

In 2018, the China Banking Association and 41 banking financial institutions issued the first announcement on the public collection of debts against 140 seriously untrustworthy debtors. As of 2019, the China Banking Association has 728 member units and 32 professional committees.

To put it bluntly: it is a self-regulatory organization of banks.

According to the needs of work, the China Banking Association has set up 14 professional committees, including the Legal Work Committee, the Self-Discipline Work Committee, the Banking Practitioner Qualification Certification Committee, the Rural Cooperative Finance Working Committee, the Syndicated Loan and Transaction Committee, the Foreign Banking Working Committee, the Custody Business Committee, the Factoring Committee, the Financial Leasing Committee, the Bank Card Committee, the Industry Development Research Committee, the Consumer Protection Education Committee, the Pension Business Committee, ** Financial Professional Committee. It is proposed to set up a professional committee for money brokerage.

With the purpose of promoting the realization of common interests of its members, the China Banking Association performs the functions of self-discipline, rights protection, coordination and service, safeguards the legitimate rights and interests of the banking industry, maintains the order of the banking market, improves the quality of banking employees, improves the level of service for members, and promotes the healthy development of the banking industry.

Lawyer's analysis: Persons with any of the following circumstances must not register for the test, and where the registration formalities have already been completed, the registration is invalid: (1) Those who have received criminal punishment for intentional crimes; (2) Those who have been dismissed from public office by banking and financial institutions; (3) In accordance with the provisions of the "Implementation Measures for the Qualification Certification Examination for Banking Practitioners in China", if the examinee has any of the following circumstances, after being confirmed by the examination office, he or she will be given a warning, invalid examination results, and shall not be allowed to register for the qualification examination within 2 years or for life, depending on the circumstances and consequences

1. Concealing or falsifying the true information required for qualification certification when registering for the examination; 2. Violating the discipline of the examination room, disrupting the order of the examination room, cheating and other disciplinary violations.

Legal basis]: Civil Code of the People's Republic of China

Article 394:Where the debtor or a third party mortgages the property to the creditor without transferring the possession of the property in order to guarantee the performance of the debt, and the debtor fails to perform the due debt or the mortgage rights are realized as agreed by the parties, the creditor has the right to be repaid in priority for the property. The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

Article 395:The following property that the debtor or a third party has the right to dispose of may be mortgaged: (1) buildings and other land attachments; (B) the right to use construction land; (3) the right to use maritime space; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships, and aircraft under construction; (6) means of transportation; (7) Other property that is not prohibited by laws or administrative regulations from being mortgaged. The mortgagor may mortgage the property listed in the preceding paragraph.

Article 400 To establish a mortgage right, the parties shall conclude a mortgage contract in written form. The mortgage contract generally includes the following clauses: (1) the type and amount of the secured claim; (2) the time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) The scope of the guarantee Song's.

Article 419:The mortgagee shall exercise the mortgage right within the limitation period for the principal creditor's right; If it is not exercised, the People's Wild Wandering Court will not protect it.