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山东省银行业协会维护市场秩序月活动实施方案(Implementation plan of Shandong Banking Association´s maintenance of market order month)

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山东省银行业协会维护市场秩序月活动实施方案(Implementation plan of Shandong Banking Association´s maintenance of market order month)山东省银行业协会维护市场秩序月活动实施方案(Implementation plan of Shandong Banking Association´s maintenance of market order month) 山东省银行业协会维护市场秩序月活动实施方案(Implementation plan of Shandong Banking Association's maintenance of market order month) Shandong provincial Banking Associ...

山东省银行业协会维护市场秩序月活动实施方案(Implementation plan of Shandong Banking Association´s maintenance of market order month)
山东省银行业协会维护市场秩序月活动实施 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 (Implementation plan of Shandong Banking Association´s maintenance of market order month) 山东省银行业协会维护市场秩序月活动 实施方案 关于机房搬迁实施方案高中班级自主管理实施方案公交公司安全生产实施方案成立校园管乐队的实施方案中层管理人员竞聘上岗实施方案 (Implementation plan of Shandong Banking Association's maintenance of market order month) Shandong provincial Banking Association, "maintenance of market order month" program of implementation,.Txt will always be curious like a child, change like a young man, be as patient as a middle-aged person, and be as wise as an old man. My flash, trouble is not youth, but pressure...... When women no longer live, no lie, no longer subject to changing moods, no longer love. Implementation plan of Shandong Banking Association's "maintenance of market order month" To strengthen industry self-regulation, standardize business practices, maintain the market order, and promote the healthy and stable development of the banking industry in Shandong, in accordance with the "Shandong Banking Regulatory Bureau for the" maintenance of market order circular "month" activities, regulate the banking business behavior requirements, formulated implementation plan. First, the necessity of activities In recent years, the banking industry in Shandong has been showing a healthy development trend, and the banking management level, operating performance and comprehensive competitiveness have been significantly improved. However, with the gradual improvement of the economic situation, the scale and profitability of some banking financial institutions have increased, and the extensive competition has risen. At the same time, operating in some member institutions and part of the short-term behavior of the more serious problems, deposit and loan market and finance, bank cards, insurance intermediary business market unfair competition problems still exist, the news media reported the goodwill and not criticized, have a greater negative impact on the industry and society. This problem has destroyed the normal order of market competition, have a greater negative impact to society, if not fundamentally solve the problem, will be good to Shandong banking business order of impact, affect the healthy development of sustainable and healthy banks within their respective jurisdictions. Therefore, the Shandong banking regulatory bureau of Shandong Province jointly organized the "Banking Association to maintain market order month" activities, is the market order, regulate the operation, to create a fair competitive environment, an important measure to establish a good social image. Through activities, advocate compliance compliance management idea in the whole industry, prompting operators banks and employees, enhance the overall awareness and industry responsibility, strengthen self-discipline supervision, make great efforts to solve the illegal breach of contract management and unfair competition issues, truly law compliance management, fair and orderly competition. Integrity services, safeguard the common interests of the industry, continue to improve the overall level of service, fully display the good image of the industry, promote the healthy and stable development of the banking industry in Shandong. Two, the overall requirements of activities The general requirements of this event is: according to the relevant laws and regulations and financial rules, in accordance with the "Shandong Banking Regulatory Bureau for the" maintenance of market order circular "month" activities, regulate the banking business behavior, strengthen self-discipline from the management perspective, carefully combing and modify or repeal does not comply with the laws and regulations and regulations about the embrace of deposit and loan and financing, bank cards, insurance agents and other types of business regulation and punishment, stop the attack, severely punished the banking institutions or practitioners of all kinds of unfair competition, misleading consumers, financial damage interbank interest, disrupt the financial market order and other illegal violations, strengthen self-discipline and promote other member units, operating norms, optimize the environment of competition, jointly safeguard the Shandong banking industry a good market order and social image. Three, the specific arrangements for activities (I) activities organizations. Sponsor: Shandong Banking Regulatory Commission Organizer: Shandong provincial Banking Association Implementing units: all banking member units and their governing institutions and employees Supervision unit: news media (mainly in Shandong province banking information publicity cooperation committee, media unit), social public, banking industry and its employees. (two) activity time. The event began in May 1, 2010 and ended in May 31st. (three) key activities. 1, to stop and crack down on unfair competition in the deposit market by banking institutions or practitioners. Including the violation of the provisions of the management of interest rate deposits, deposits take the "discount" and other unauthorized or disguised raise deposit interest rates or other improper means deposits; and the handling of the relationship between man pay normal interest outside any nominal fee, deposit taking to the deposit reserve Association fees, improper cost; in the name of "public relations" of the deposits to depositors. Or the relationship between gift items and cash deposits; marketing in violation of the principle of voluntary deposit and free withdrawal, misleading, strong pull customers for the financial and insurance business behavior. 2, to stop and crack down on unfair competition among banking institutions or employees in the loan market. Including violations of the provisions of the regulatory authorities, to reduce lending conditions, competing customers, credit marketing or provide commitments; ultra prescribed lending rates floating range, loans, notes handling business; To the managers and the relationship between people, illegal payment of various unfair Fee Rebate behavior in loan business marketing. 3, to stop and crack down on unfair competition among banking institutions or employees in the financial management business. Includes a commitment to customers in fixed income, guaranteed income or high income and improper promotion in violation of the provisions; the introduction of financial products at a loss under the condition of financial profit; capital management is not standardized, unauthorized use of financial funds and other acts. 4, to stop and crack down on unfair competition among banks, operating institutions or employees in dealing with bank card business. Including to the managers and the cardholder to pay all expenses such as unfair vicious price competition means to gain market share; in violation of the relevant industry standards, signed a contract with the merchants accepting merchants; standard management, guard against malicious, disguised in the use of bank card cash and other illegal behavior. 5, to stop and crack down on unfair competition among banking institutions or employees in the agency insurance business. Including illegal for insurance agency business; not to implement the insurance sales agency personnel certification system; false propaganda or disclosure of information on sales of insurance products; allow insurance agency without obtaining certificates of insurance agent or insurance company marketing outlets in the bank to the customer marketing insurance business directly. 6, to stop and crack down on unfair competition among banking operators or employees in their business activities. Not including publicity charges of illegal business; false or exaggerated product revenue publicity, not objective to hide or reveal business risks, deceive and mislead customers; use the concept of fuzzy or ambiguous document alluding to other members; through improper means, the other members of the unit were distorted, slander, damage the image and prestige of the industry such behavior and interests. Four, the implementation of the activities (I) mobilization, publicity and launching phase (--5, 9, May 1st); 1, deploy start activity month. Shandong banking regulatory bureau and the Shandong Banking Association jointly held mobilization meetings to deploy the activities month. Issued activities and the implementation of the program, issued activities to promote the mobilization of banks operating institutions and practitioners actively participate in activities. All banking member units, in combination with the actual situation, study and formulate the detailed rules for the implementation of the activities, deploy the system activities, and implement the implementation of the activities. 2, focus on learning and education. Each member of the unit organization under the management and employees to carry out the laws and regulations, as well as the line about "Shandong Banking Regulatory Bureau for the" maintenance of market order circular "month" activities, regulate the banking business behavior focus on learning and education activities, improve self-discipline to strengthen the industry, unfair competition, knowledge necessary to maintain market order and importance, guide the staff to firmly establish the scientific development concept, compliance management, strictly implement the requirements of the regulations and system, follow the principle of fair competition and industry self-discipline, abide by business ethics and the market rules, to take practical action to maintain the normal market order. 3, carry out propaganda and launch. Each member of the unit in accordance with the proposed activities publicity Association, organization institutions make full use of the electronic screen, posters and brochures issued, intensify propaganda activities, create a good environment for regulate market order. Association member units issued linkage activities to the whole society through the news media that Shandong banking to combat unfair competition, standardize the order of competition in the industry, maintaining the financial environment for the development of the firm attitude. (two) self correction stage (May 10th --5 19) The relevant laws and regulations and the line about 1, and the activity control requirements of member units of the organization under the operating mechanism, the system of self-examination activities in the self-examination of the acts of unfair competition, are strictly self-examination of all business lines, the phenomenon of unfair competition exists in various business activities and found combing the hierarchical search own existence the problem of unfair competition to stop and correct their own or subordinate agencies and practitioners. 2, member of supervision problems of unfair competition when the business units and employees, one by one to collate and analyze the causes of problems, study and formulate corrective measures, modify the system and improve the mechanism to correct the acts of unfair competition, strengthen self-discipline restraint ability. (three) inspection and supervision phase (May 20th --5 31); 1, the association organized thorough investigation. Randomly select banking institutions and practitioners to see if there are any unfair competition problems such as breach of contract, and to examine and prove unfair competition. 2, members of the unit for reporting. The association shall mobilize member units, banking institutions and practitioners to conduct horizontal supervision over such unfair competition problems as breach of contract and management of the same trade, In the event of unfair competition, the collection of relevant materials or evidence shall be reported or reported to the society in accordance with the procedure. 3, the association to carry out customer surveys. Visit customers to find out whether there are unfair competition problems in banking institutions, and check and collect evidence from customers. 4, the media supervision. Please contact the information publicity committee of the association, media units, and mobilize the public to help supervise and enhance the social influence and credibility of the "maintenance of market order month" activities. After the end of the activity month, the association will summarize, evaluate and deal with the activities: 1, the bank member makes a summary of the activities, the formation of written materials submitted in June 10th before the Shandong banking regulatory bureau and the Shandong Banking Association, submitted content: activities organization situation, found problems, corrective measures and correct implementation. 2, the association of the implementation and effect on the activities of the units were evaluated, to highlight the effectiveness of the activities carried out unit informed recognition; not for positive action, the implementation is not in place, rectification ineffective units industry criticism. 3, the thorough investigation, membership reports, customer complaints, media exposure and other channels to find the problem of unfair competition, the association will organize the verification, once verified, seriously dealt with, will not be tolerated. The investigation in violation of industry conventions, trade reflects the strong problems of unfair competition or member institutions, associations will depend on breach of contract, infringement and the influence, "according to the provisions of Shandong province banking unfair competition behavior and report processing method" and "Shandong province banking association default irregularities inspection and punishment measures" give the unit, reminding, warning, individual internal notification, deduct the deposit and suspend the exercise until the member right to cancel the membership of such self disciplinary punishment. For the discovery, investigation of illegal business, malicious competition, seriously disrupted the market order and stop invalid to continue the implementation of the acts of unfair competition or member institutions, report to the association to Shandong banking regulatory bureau, regulatory penalties according to law. Five, activities related requirements (a) to raise awareness of the importance of the activities, strengthen the organization and leadership activities, extensive mobilization, in-depth publicity, create a broad momentum; to formulate a feasible implementation plan, set up a special organization, careful arrangements, implement the responsibility to carry out the steps of each phase of work; to strengthen cooperation, give full play to the overall together, ensure all activities and measures put in place in the system at all levels and all links. (two) member units have the responsibility and obligation to supervise subordinate institutions and staff in accordance with the relevant laws and regulations and rules, strengthen self-discipline, self management. At the same time, starting from the industry overall situation, strengthen the supervision of inter row horizontal line about the implementation of that unfair competition acts in a timely manner to reflect the seriousness of the association, reports, maintenance of the self-discipline, work together to create a good atmosphere of competition in the industry. (three) to strengthen the activities of the propaganda work, adhere to the positive public opinion, emphasizing coordination, news media planning, according to the reports of the activities, and strengthen public opinion monitoring, must create the environment for public opinion, enhance social credibility. Attention should be paid to the work of information feedback, timely control of activities at all levels and aspects of the work, timely feedback to the association activities, and expand horizontal communication. Association member units and employees, positive action, to further strengthen the awareness of compliance management according to the law, from its start, firmly oppose unfair competition, to stop and correct the violations of default management such as unfair competition, the measure campaign firmly and realistically achieve tangible results, creating a fair competition the environment, maintain a good market order, and promote the healthy and stable development of the banking industry in Shandong.
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