Vocational And Moral Education Research Of Commercial Bank

Our country is resident in bank deposits of the highest in the world.By the end of 2014, China’s financial institutions the balance is as high as 116 trillion yuan.However, be regarded as one of the safest bank deposit way, today actually repeatedly exposure of deposits from scandal:42 bank depositors in hangzhou, zhejiang province, found that their millions of yuan deposits with only a few or even be "reset";Luzhou laojiao(a kind of daqu liquor) has been an "exceptional" well-known enterprise deposits, such as, nearly three months have 500 million yuan in agricultural bank, industrial and commercial bank of unaccounted for.According to introducing, "deposit" specifically targeted at big Banks in all over the world, and they bribed bank insiders, after waiting for a customer to keep their money in the bank, the funds will be immediately transferred to preset "third party" account.Inside the other, according to some state-owned Banks, according to people familiar with the depositors in a disguised form by counter staff through various ways, fund, insurance and other products are also lead to deposits "disappear" phenomenon is one of the reasons.At the same time in the rapid development of commercial Banks, from traditional epi-type scale expansion to the connotation of quality in the process of the transformation of growth, inevitably occur due to the transformation of from traditional scale expansion to quality growth of contradictions and problems,So, faced with the transformation of commercial Banks, the internal demand of the boom, and the current policy of unstable state of the economy and fluctuations in the external environment factors lead to increased risk of commercial Banks, and because of the commercial Banks internal control mechanism is not sound, internal cause such as workers, ethical behavior is not standard,How to improve the service function of commercial Banks and the social efficiency, reduce the risk of moral hazard frequency, is very urgent and important, need to think seriously about research, explore innovation.A large number of facts have proven that financial markets are not the pure land, is also a moral right and wrong marsh,because financial world there is a benefit some people sacrifice others enough opportunity, finance is involved in other people’s money,since it is other people’s money, it will bring some unethical behavior.There- fore, how to improve the staff’s professional ethics education in commercial bank, become commercial Banks must attach importance to the problem.Yet, while commercial Banks internal unethical behavior has become a very common phenomenon, but so far, about one of the professional ethics problem has not brought to the attention of the greatly.Therefore, the author from the bank of thin place of professional ethics education, study mainly from the following several aspects:The first part,elaborated the research of commercial bank vocational moral education background, purpose and significance, at home and abroad, this paper summarizes the research status of draw need to study the difficult point and innovation point in this paper.The second part,in the development of commercial Banks, commercial Banks in professional ethics and its development situation, and analyze the significance of professional ethics education, strengthen the bank clearly strengthen the commercial Banks to the importance of professional ethics education.The third part,key points out that the current situation of our country commercial bank the professional ethics, and to explore the development of our country commercial bank in professional ethics education present situation, pointed out that commercial Banks in the development of professional ethics education pitfalls, for the below.The fourth part,in view of the current commercial bank moral situation and the development erroneous zone, put forward the method of strengthening commercial bank professional ethics education,The one is changing the concept of employees, improve the consciousness of professional ethics education of commercial bank,The second, perfect training mechanism, clear the direction of the professional ethics education,The third it is innovation education paths, combined with the actual situation of the bank, increase the diversity of the professional ethics education way,The four is construction bank enterprise culture, to ensure that the influence of professional ethics education persistence and keep pace with The Times,The five is to perfect the commercial Banks internal control mechanism, to improve the stability of the professional ethics education.To the following bank and professional moral education research has increased a little reminder.