Bank ethics refers to the handling of bank practitioners

Bank professional ethics refers to the professional code of conduct and norms that should be followed in the professional activities of the bank, embody the characteristics of the banking profession, and adjust the professional relations of the bank, and is the sum of the professional laws, professional concepts and professional principles formed by the bank employees when carrying out banking activities and handling banking business relations.

The professional ethics that bank employees should abide by are: honesty and creditworthiness, and banking practitioners should act with high standards of professional ethics, conduct integrity, and abide by the principle of honesty and creditworthiness; Law-abiding and compliant, employees in the banking industry should abide by laws and regulations, industry self-discipline norms, and the rules and regulations of their institutions; Professional competence, banking practitioners should have the professional knowledge, qualifications and abilities required for the position; Diligent and conscientious, employees in the banking industry should be diligent and prudent, have the obligation of honesty and credibility to the institution, earnestly perform the duties of the post, and maintain the business reputation of the institution; To protect trade secrets and customer privacy, practitioners in the banking industry should keep the trade secrets of their institutions and protect customer information and privacy; Fair competition, employees in the banking industry should respect their peers, compete fairly, and prohibit commercial bribery.

**Practitioner Specification

Practitioners and their related personnel are not. This is a regulation of the CSRC and cannot be violated. The establishment of this provision is actually to restrain practitioners, after all, practitioners may get some inside information, and thus may obtain illegal income.

But there is a gray area in the middle, because the family and friends of the practitioners will not be banned, so many people actually use the accounts of their family and friends to operate. It is dangerous to open an account for a relative. Lending** accounts violates the "** Law", harms the legitimate rights and interests of investors, and seriously disrupts the ** market order.

It is against the law. There are many risks in opening an account to others at the same time, the most common of which is: if the borrower has malicious manipulation of stock prices and other illegal acts, once verified, he will go directly to the account himself, and the CSRC will disable the account if it verifies that the account does operate the stock price.

After the name is blacklisted by the CSRC, the ID card and the person you hold will not be able to continue**. If the circumstances are egregious, the account will be frozen, and the economic investigation team and the anti-money laundering agency will investigate the account person, and at this time it may cause a lawsuit.

The professional ethics of bank employees are directly related to the healthy development of the banking industry. How to Establish Ethical Constraints? Morality is not naturally generated, and the perfection of law does not necessarily produce morality, and it is necessary to build a bridge between law and morality by strengthening the internal management of commercial banks, that is, institutional constraints.

However, the institutional constraints of management are not necessarily sublimated into moral constraints, and only management with moral goals, moral education, and moral orientation can be formed and solidified into morality.

7 1 1 The Concept of Professional Ethics in Banking.

Bank professional ethics refers to the professional code of conduct and norms that should be followed in the professional activities of the bank, reflect the characteristics of the banking profession, and adjust the professional relations of the bank, and is the sum of the professional laws, professional concepts and professional principles formed by the bank employees in the conduct of banking activities and the handling of banking business relations.

7 1 2 Basic Principles of Professional Ethics in Banks.

The basic principle of socialist ethics, that is, the "principle of collectivism", is manifested as the basic principle of "honesty and creditworthiness" in the professional ethics of banks, which runs through the entire professional ethics system of banks and always restricts and influences a series of professional ethics.

"Honesty and credit" is of great significance to the construction of professional ethics of banks

"Honesty and trustworthiness" accompanies people to all areas and aspects of professional ethics, so that the bank's employees can.

Cultivate the concept of honesty and trustworthiness in their respective positions, be loyal to their profession, and abide by their own.

1 "Honesty and trustworthiness" is the "foothold" of the bank's professional ethics

2 "Honesty and trustworthiness" is the cornerstone of establishing the economic order of banks.

3. "Honesty and creditworthiness" is the focus of the bank's moral construction.

7 1 3 Basic norms of professional ethics in banks.

For individual banking practitioners, complying with professional ethics is a must-have course for everyone. Whether as a bank president or an ordinary practitioner, you must be clear about your professional role, and be responsible for both yourself and your career in your professional activities. The prevention of moral hazard focuses on strengthening moral norms and cultivating dedication, honesty and trustworthiness.

Law-abiding, selfless dedication to professional ethics.

1. Love and dedication, and be loyal to their duties.

2. Comply with laws and regulations and act in accordance with the law.

3 Be honest and honest, not for personal gain.

4. Fulfill their duties, be professional and competent.

5. Objectivity, fairness, and selfless dedication.

Answer] :d In fact, the four options in the question are the contents of the bank's professional ethics for employees, but the question asks the basic principles, that is, the most basic and important principles. Bank personnel have to handle a large amount of cash and assets every day, to ensure the safety of customers' property, and the most important thing is, of course, to require employees to be honest and trustworthy; Then contact the country now vigorously advocates honesty, and the correct answer is d.

Answer]: The requirements for "job responsibilities" in the "Professional Ethics of Banking Practitioners" include: Do not inquire about information unrelated to their own work; Unless the internal duties are adjusted or properly approved, do not perform their duties on behalf of other personnel or entrust others to perform their duties on behalf of others; They shall not violate the internal transaction process and job responsibilities management regulations to hand over or inform other personnel of the seals, important certificates, transaction passwords and keys and other items or information related to their own duties.

Answer]: The requirements of the "job responsibilities" in the "Professional Ethics of Banking Practitioners" include: Do not inquire about information that is not related to your own work; Unless the chain is adjusted internally or properly approved, it does not perform its duties on behalf of other personnel or entrusts others to perform its own work on its behalf; They shall not violate the internal transaction process and the management regulations of their job responsibilities to hand over or inform other personnel of the seals, important certificates, transaction passwords and keys and other items or information related to their duties.

1.Honesty and credibility.

Banking practitioners should act with high standards of professional ethics, conduct themselves with integrity, and abide by the principles of honesty and trustworthiness.

Return. 2.Compliance with laws and regulations.

Banking practitioners shall abide by laws and regulations, industry self-discipline norms, and the rules and regulations of their institutions.

3.Professional competence.

Banking practitioners should have the professional knowledge, qualifications and abilities required for the position.

4.Be diligent and conscientious.

Banking practitioners shall be diligent and prudent, have a duty of good faith to their institutions, earnestly perform their job duties, and maintain the commercial reputation of their institutions.

5.Protect trade secrets and customer privacy.

Banking practitioners shall keep the trade secrets of their institutions and protect customer information and privacy.

6.Fair competition.

Banking practitioners shall respect their peers, compete fairly, and prohibit commercial bribery.

Answer]: a, b, c, d, e

Employees in the banking industry shall respect their colleagues and shall not engage in any form of harassment or infringement on the basis of their nationality, skin color, ethnicity, gender, age, religious belief, marital status, physical health or disability; It is forbidden to use any discriminatory language and behavior: respect the privacy of the same liquid and mu; Those who come into contact with the personal privacy of colleagues at work shall not disclose it to others without authorization: respect the work methods and work results of colleagues, and must not be used to use or plagiarize the work results of colleagues, and shall not belittle, attack, or slander them in any way.