As the bank's emergency plan comes, with the advent of the rainy season, the XX Branch of the ICBC XX Branch has planned and actively prevent it, and launched the "Flood Control Emergency Response Plan" to strengthen the prevention of emergencies in the flood season. It is to do a good job of flood prevention deployment. Recently, the flood prevention work was deployed as an important task, a departmental coordination meeting was held, and the hidden dangers of the flood prevention work in the rainy season were strictly arranged, and the experience of responding to the "7.18" extremely heavy rain, clarifying tasks, and implementing responsibilities. It is to organize all members to learn. Use the morning meeting time to strengthen the study of the "Flood Control Emergency Response Plan", which requires everyone to pay attention to their attention and increase their vigilance; strictly prevent and implement responsibilities; strengthen drills and know the disposal procedures. three is to strengthen coordination. Confly to communicate with the cash operating center, office, and escorting company to communicate the roads that may occur in the rainy season, the packets are under rainy, the network has faults, and the system transfer is not smooth. Effectively improve the ability to deal with emergencies during the flood season to ensure cash safety. is to improve the working environment. Timely clean up the office and in front of the door to clear the drainage facilities to prevent the stagnant phenomenon of water when the heavy rain comes. And fix the exposed lines with metal edges to prevent moisture, collision, and affect use. Provide the necessary hardware environment for flood prevention work to maximize the security of the money. The proposal of the bank's emergency plan. The two are located at No. 2 Hongxi Street, Yangtze River District, Yellow River City. There are fewer holidays. The situation is relatively complicated. All employees must be vigilant and strictly implement the provisions of Chapter 4 of the "Interim Provisions on the Safety and Security Work of China Construction Bank" and the provisions of the 4th chapter of the "Rules for the Safety and Security Work of China Construction Bank", indeed The funds of the Construction Bank and the personal safety of employees, according to the environment of the business room and savings counters, as well as the possible occurrence of the corresponding emergency plan As follows: (1) When a gangster holds a gun (weapon, explosive) for robbery 1. After the case of the cabinet is determined, he uses words to deal with the gangsters and take the opportunity to press 110 to call the police. The button sounded the on -site alarm, and the staff of the two departments saw each other to act together to fight against the enemy. 2. Cash tellers quickly collected cash into the cabinet to lock, the safe garbled, picked up self -defense weapons, and prepared for self -defense. 3. Other personnel quickly hid to favorable positions, protect themselves, pick up self -defense weapons to prepare for self -defense, and use mobile phones or telephones to report the situation to the leaders of the branch and the public security department. Please send someone to support it. 4. If the gangsters smash the bulletproof glass, the personnel in the counter can use self -defense weapons to cooperate with other personnel in the counter to flexibly use the fighting objects to cover with the gangsters to maximize the funds and personal safety. Gangsters. (2) Plan when scams and cases occur in cases 1. When discovering and confirming the crime of fraud, and taking the suspect, the staff should immediately tell the public in a secret saying] "This customer What to do if the amount of money is so large, what should we do if we do n’t have so much money. "And use our eyes to show the masters, the cashier must realize the situation, and say," I will contact the ICBC and let the ICBC send money. " The leader of the staff reported by the phone: "We don't have enough money here. Please hurry up to adjust the money." At the same time, he told other people in the business room: "XXX, you give us tickets, we must adjust the payment from the ICBC. "The information of the occurrence of the situation came out. During the speaking, the staff of the class must not return the suspect's bills and documents, and talk to it to try to stabilize the suspect, quickly confirm the appearance characteristics of the suspect, closely monitor, and wait for the person to assist the suspect. 2. Press the 110 alarm button and on -site alarm to alarm to the public security department and other departments to ask for assistance to capture the suspect. . After the personnel of other departments heard the alarm, they immediately stopped the door of the business room and arrested the suspect. (3) Plan for anti -theft cases 1. Operations every day, money, certificates, and chapters enter the box and enter the warehouse for storage, lock doors and windows, and use 110 alarm system to set up anti -monitoring to prevent foreign stolen prevention to prevent foreign stolen from foreign thief Destruction with the bad guys. 2. Operation according to the chapter during work, strictly implement the accounting counter work system, strengthen review efforts, and prevent internal theft. . When paying for external payment, one person must watch the customer count the counts. After asking the amount, you can handle the next business to prevent the theft cases such as packaging and drawing. (4) The plan when the fire occurs 1. Quickly determine the fire, which is a fire to the fire. The power should be cut off as soon as possible, and the fire facilities will be used to extinguish the fire. 2. If the fire is too large, call the fire police call 119 immediately for help; at the same time, ask other departments for help, and other departments immediately organize personnel to extinguish fire. 3. Quick evacuation personnel, rescue cash, important materials, property. 4. Assisting fire brigade fire. 5. Protect the site, maintain order, increase vigilance, and prevent bad guys from robbery by the fire. (5) Plan when the crowding incident occurs During the business period on the same day or two or three days, customers who exceed the normal amount of normal quantity come to withdraw a large amount of cash or transfer a large number of funds to his behavior. It should be regarded as an exclusive incident. In this case, the staff should be operated according to the following plans to frustrate the crowding behavior and stabilize the financial order. 1. Do a good job of explanation. When the crowding occurs, when the staff should pay attention to the whereabouts of the money, do the ability to explain to customers, and promote our banks with strong funds, convenient access, and general exchanges, and stay as much as possible. 2. Report in time. When the class staff do a good job of explanation, they must quickly report the situation to the branch leaders of the branch. After reporting to the supervisor's president, the leaders report to the local people's bank and superior banks in a timely manner. Stability of order. (6) When the plan that occurs in trouble During the business period, when someone takes the opportunity to have trouble in the business hall, it is unreasonable to make trouble, damage the reputation of our bank, and disrupt the normal business order. In this case, the personnel of the class should be carried out in accordance with the following plan to stop the expansion of the situation. 1. Calm analysis. When the staff of the class face the noise of the customer, don't be impatient, and to calmly analyze the cause of the incident. It is the reason whether it is our reason or the customer. 2. Explanation of enlightenment. If it belongs to our equipment failure, we must be sincere, do a good job of explanation, explain the reasons, actively take remedial measures to minimize the waiting time of customers; Actively correction and make up for the fault; if the reason for the customer, it should be eprushed to point out that the explanation is clear. Generally, the customer can understand it, but not to be reasonable, embarrassing, and intensify contradictions. 3. Discounted warnings. For example, after our personnel have done a lot of explanation work, customers are still obsessed with the opportunity to get rid of things and noisy. The staff should point out the wrong nature of their behavior and make them immediately stop the wrong behavior. 4. Alarm. After taking a variety of effective measures, it is still impossible to stop customers who take the opportunity to get rid of trouble. The staff should quickly report to the branch leaders and public security departments. Sugs of bank emergency plans. In recent years, the Chinese banking industry quickly launched an emergency plan when facing emergencies such as the "5.12" Wenchuan earthquake. The impact of the event on the business system has reduced risks. However, most of the emergency measures taken by the banking industry in the face of disaster events are administrative means. They lack unified coordinated management and cannot be widely used as a long -term measure for the banking industry to deal with natural disasters. The current level of emergency management and disposal capabilities of emergencies such as natural disasters, accident disasters, and social security incidents need to be further improved. Especially compared with the foreign banking industry, there is still a large gap in the emergency management capabilities of the Chinese banking industry. Essence The specific manifestations are: (1) The lack of special emergency law in the financial industry The "National Financial Urcense Emergency Plan" issued by the State Council, and on November 1, 2007, the "Emergency Response Law" The implementation of the implementation has ensured the implementation of the banking warning and response prevention to a certain extent, but it is still not enough from the level and operability. It is necessary to achieve the rapid and effective settlement of financial emergencies, maximize prevention and reduce the harm and losses caused by financial emergencies, maintain financial and social stability China ×× Bank ×× County Sub -branch various riot emergency plans, and The purpose of ensuring national economic security. It is necessary to launch special emergency laws and regulations in the financial industry as soon as possible. (2) The emergency plan of the banking industry needs to be improved First of all, the formulation of emergency plans lacks normative and systematic. The first is the formalism of the plan for the plan. At present, the emergency plans formulated are relatively complete in form, and the elements are relatively complete, but the organizational system is chaotic, the division of responsibilities is blurred, the disposal links are cumbersome, and the sudden disaster is difficult to get efficiently. The second is that the plan drill plan is out of actual situation, which can be operable and targeted. Affected by factors such as funds, personnel, and environment, there are still some difficulties to achieve a comprehensive and in -depth on -site practice emergency plan, especially for large natural disasters such as earthquakes and floods. According to the calculation of the emergency plans of grass -roots banks, the less difficult exercise accounted for 1/3 [2]. During the development of the banking industry, if the earthquake hazards, business impact analysis, thorough consideration can be thoroughly analyzed, and a proper emergency plan can be developed. After the disaster, banks can quickly restore external services. Secondly, the coverage of emergency plans is not wide. None of the domestic banking industry has achieved the overall disaster recovery plan of the branch level. In foreign countries, many banks have achieved the first -level plan for branches. For example, Bank of America, it has more than 7,000 emergency plans against various branches and branches. After the "September 11" incident, the United States made a lot of reflection and emergency measures on the scene of disaster. The three major US financial supervision institutions released the "Cross-Ministry White-Leather-Book of Reliability Measures to Enhance the Reliable Reliability of the United States' financial system disaster recovery ability" on May 28, 2003. The subsequent recovery ability put forward clear measures and requirements for implementation time [18]. third, the feasibility of emergency plan needs to be further tested. At present, a widely existing problem is the lack of emergency training and drill experience, especially the lack of understanding of the significance of emergency training and drills in grass -roots banks, coupled with insufficient investment in personnel and funds. Therefore, most grass -roots branches and business outlets are not enough There are some difficulties in organizational personnel training and exercise. Even if some units conduct drills, they are limited to a certain unit and a system. The effectiveness is not strong. Risk assessment. (3) The ability of bank disaster backup and recovery to strengthen First of all, the Chinese banking industry disaster backup exists in the same type, and the coverage is not wide. The Chinese banking industry disaster backup and business continuity management mainly considers IT departments, and capital investment is mainly concentrated in the IT department. In the process of backup construction of the total data center, only a small number of core business systems such as deposit marriage and settlement have been backups. Many important application systems have not even established basic disaster backup measures and do not have basic recovery capabilities. From the perspective of the "5.12" Wenchuan earthquake, the damage caused by this disaster involves not only IT systems, but also the aspects of business systems, architecture systems, and casualties in business tasks. In sexual events, if the disaster programs are limited to the IT system, the IT system can be recovered quickly, but other systems are paralyzed, and bank institutions cannot provide services in time. So far, no banks in China have achieved the overall disaster backup of the branch -level level, which has caused grass -roots banks to recover the core business in a short period of time after encountering emergencies such as the "5.12" Wenchuan earthquake.
As the bank's emergency plan comes, with the advent of the rainy season, the XX Branch of the ICBC XX Branch has planned and actively prevent it, and launched the "Flood Control Emergency Response Plan" to strengthen the prevention of emergencies in the flood season.
It is to do a good job of flood prevention deployment. Recently, the flood prevention work was deployed as an important task, a departmental coordination meeting was held, and the hidden dangers of the flood prevention work in the rainy season were strictly arranged, and the experience of responding to the "7.18" extremely heavy rain, clarifying tasks, and implementing responsibilities.
It is to organize all members to learn. Use the morning meeting time to strengthen the study of the "Flood Control Emergency Response Plan", which requires everyone to pay attention to their attention and increase their vigilance; strictly prevent and implement responsibilities; strengthen drills and know the disposal procedures.
three is to strengthen coordination. Confly to communicate with the cash operating center, office, and escorting company to communicate the roads that may occur in the rainy season, the packets are under rainy, the network has faults, and the system transfer is not smooth. Effectively improve the ability to deal with emergencies during the flood season to ensure cash safety.
is to improve the working environment. Timely clean up the office and in front of the door to clear the drainage facilities to prevent the stagnant phenomenon of water when the heavy rain comes. And fix the exposed lines with metal edges to prevent moisture, collision, and affect use. Provide the necessary hardware environment for flood prevention work to maximize the security of the money.
The proposal of the bank's emergency plan. The two are located at No. 2 Hongxi Street, Yangtze River District, Yellow River City. There are fewer holidays. The situation is relatively complicated. All employees must be vigilant and strictly implement the provisions of Chapter 4 of the "Interim Provisions on the Safety and Security Work of China Construction Bank" and the provisions of the 4th chapter of the "Rules for the Safety and Security Work of China Construction Bank", indeed
The funds of the Construction Bank and the personal safety of employees, according to the environment of the business room and savings counters, as well as the possible occurrence of the corresponding emergency plan As follows:
(1) When a gangster holds a gun (weapon, explosive) for robbery
1. After the case of the cabinet is determined, he uses words to deal with the gangsters and take the opportunity to press 110 to call the police. The button sounded the on -site alarm, and the staff of the two departments saw each other to act together to fight against the enemy.
2. Cash tellers quickly collected cash into the cabinet to lock, the safe garbled, picked up self -defense weapons, and prepared for self -defense.
3. Other personnel quickly hid to favorable positions, protect themselves, pick up self -defense weapons to prepare for self -defense, and use mobile phones or telephones to report the situation to the leaders of the branch and the public security department. Please send someone to support it.
4. If the gangsters smash the bulletproof glass, the personnel in the counter can use self -defense weapons to cooperate with other personnel in the counter to flexibly use the fighting objects to cover with the gangsters to maximize the funds and personal safety. Gangsters.
(2) Plan when scams and cases occur in cases
1. When discovering and confirming the crime of fraud, and taking the suspect, the staff should immediately tell the public in a secret saying] "This customer What to do if the amount of money is so large, what should we do if we do n’t have so much money. "And use our eyes to show the masters, the cashier must realize the situation, and say," I will contact the ICBC and let the ICBC send money. " The leader of the staff reported by the phone: "We don't have enough money here. Please hurry up to adjust the money." At the same time, he told other people in the business room: "XXX, you give us tickets, we must adjust the payment from the ICBC. "The information of the occurrence of the situation came out. During the speaking, the staff of the class must not return the suspect's bills and documents, and talk to it to try to stabilize the suspect, quickly confirm the appearance characteristics of the suspect, closely monitor, and wait for the person to assist the suspect.
2. Press the 110 alarm button and on -site alarm to alarm to the public security department and other departments to ask for assistance to capture the suspect.
. After the personnel of other departments heard the alarm, they immediately stopped the door of the business room and arrested the suspect.
(3) Plan for anti -theft cases
1. Operations every day, money, certificates, and chapters enter the box and enter the warehouse for storage, lock doors and windows, and use 110 alarm system to set up anti -monitoring to prevent foreign stolen prevention to prevent foreign stolen from foreign thief Destruction with the bad guys.
2. Operation according to the chapter during work, strictly implement the accounting counter work system, strengthen review efforts, and prevent internal theft.
. When paying for external payment, one person must watch the customer count the counts. After asking the amount, you can handle the next business to prevent the theft cases such as packaging and drawing.
(4) The plan when the fire occurs
1. Quickly determine the fire, which is a fire to the fire. The power should be cut off as soon as possible, and the fire facilities will be used to extinguish the fire.
2. If the fire is too large, call the fire police call 119 immediately for help; at the same time, ask other departments for help, and other departments immediately organize personnel to extinguish fire.
3. Quick evacuation personnel, rescue cash, important materials, property.
4. Assisting fire brigade fire.
5. Protect the site, maintain order, increase vigilance, and prevent bad guys from robbery by the fire.
(5) Plan when the crowding incident occurs
During the business period on the same day or two or three days, customers who exceed the normal amount of normal quantity come to withdraw a large amount of cash or transfer a large number of funds to his behavior. It should be regarded as an exclusive incident. In this case, the staff should be operated according to the following plans to frustrate the crowding behavior and stabilize the financial order.
1. Do a good job of explanation. When the crowding occurs, when the staff should pay attention to the whereabouts of the money, do the ability to explain to customers, and promote our banks with strong funds, convenient access, and general exchanges, and stay as much as possible.
2. Report in time. When the class staff do a good job of explanation, they must quickly report the situation to the branch leaders of the branch. After reporting to the supervisor's president, the leaders report to the local people's bank and superior banks in a timely manner. Stability of order.
(6) When the plan that occurs in trouble
During the business period, when someone takes the opportunity to have trouble in the business hall, it is unreasonable to make trouble, damage the reputation of our bank, and disrupt the normal business order. In this case, the personnel of the class should be carried out in accordance with the following plan to stop the expansion of the situation.
1. Calm analysis. When the staff of the class face the noise of the customer, don't be impatient, and to calmly analyze the cause of the incident. It is the reason whether it is our reason or the customer.
2. Explanation of enlightenment. If it belongs to our equipment failure, we must be sincere, do a good job of explanation, explain the reasons, actively take remedial measures to minimize the waiting time of customers; Actively correction and make up for the fault; if the reason for the customer, it should be eprushed to point out that the explanation is clear. Generally, the customer can understand it, but not to be reasonable, embarrassing, and intensify contradictions.
3. Discounted warnings. For example, after our personnel have done a lot of explanation work, customers are still obsessed with the opportunity to get rid of things and noisy. The staff should point out the wrong nature of their behavior and make them immediately stop the wrong behavior.
4. Alarm. After taking a variety of effective measures, it is still impossible to stop customers who take the opportunity to get rid of trouble. The staff should quickly report to the branch leaders and public security departments.
Sugs of bank emergency plans. In recent years, the Chinese banking industry quickly launched an emergency plan when facing emergencies such as the "5.12" Wenchuan earthquake. The impact of the event on the business system has reduced risks. However, most of the emergency measures taken by the banking industry in the face of disaster events are administrative means. They lack unified coordinated management and cannot be widely used as a long -term measure for the banking industry to deal with natural disasters. The current level of emergency management and disposal capabilities of emergencies such as natural disasters, accident disasters, and social security incidents need to be further improved. Especially compared with the foreign banking industry, there is still a large gap in the emergency management capabilities of the Chinese banking industry. Essence The specific manifestations are:
(1) The lack of special emergency law in the financial industry
The "National Financial Urcense Emergency Plan" issued by the State Council, and on November 1, 2007, the "Emergency Response Law" The implementation of the implementation has ensured the implementation of the banking warning and response prevention to a certain extent, but it is still not enough from the level and operability. It is necessary to achieve the rapid and effective settlement of financial emergencies, maximize prevention and reduce the harm and losses caused by financial emergencies, maintain financial and social stability China ×× Bank ×× County Sub -branch various riot emergency plans, and The purpose of ensuring national economic security. It is necessary to launch special emergency laws and regulations in the financial industry as soon as possible.
(2) The emergency plan of the banking industry needs to be improved
First of all, the formulation of emergency plans lacks normative and systematic. The first is the formalism of the plan for the plan. At present, the emergency plans formulated are relatively complete in form, and the elements are relatively complete, but the organizational system is chaotic, the division of responsibilities is blurred, the disposal links are cumbersome, and the sudden disaster is difficult to get efficiently. The second is that the plan drill plan is out of actual situation, which can be operable and targeted. Affected by factors such as funds, personnel, and environment, there are still some difficulties to achieve a comprehensive and in -depth on -site practice emergency plan, especially for large natural disasters such as earthquakes and floods. According to the calculation of the emergency plans of grass -roots banks, the less difficult exercise accounted for 1/3 [2]. During the development of the banking industry, if the earthquake hazards, business impact analysis, thorough consideration can be thoroughly analyzed, and a proper emergency plan can be developed. After the disaster, banks can quickly restore external services.
Secondly, the coverage of emergency plans is not wide. None of the domestic banking industry has achieved the overall disaster recovery plan of the branch level. In foreign countries, many banks have achieved the first -level plan for branches. For example, Bank of America, it has more than 7,000 emergency plans against various branches and branches. After the "September 11" incident, the United States made a lot of reflection and emergency measures on the scene of disaster. The three major US financial supervision institutions released the "Cross-Ministry White-Leather-Book of Reliability Measures to Enhance the Reliable Reliability of the United States' financial system disaster recovery ability" on May 28, 2003. The subsequent recovery ability put forward clear measures and requirements for implementation time [18].
third, the feasibility of emergency plan needs to be further tested. At present, a widely existing problem is the lack of emergency training and drill experience, especially the lack of understanding of the significance of emergency training and drills in grass -roots banks, coupled with insufficient investment in personnel and funds. Therefore, most grass -roots branches and business outlets are not enough There are some difficulties in organizational personnel training and exercise. Even if some units conduct drills, they are limited to a certain unit and a system. The effectiveness is not strong. Risk assessment.
(3) The ability of bank disaster backup and recovery to strengthen
First of all, the Chinese banking industry disaster backup exists in the same type, and the coverage is not wide. The Chinese banking industry disaster backup and business continuity management mainly considers IT departments, and capital investment is mainly concentrated in the IT department. In the process of backup construction of the total data center, only a small number of core business systems such as deposit marriage and settlement have been backups. Many important application systems have not even established basic disaster backup measures and do not have basic recovery capabilities. From the perspective of the "5.12" Wenchuan earthquake, the damage caused by this disaster involves not only IT systems, but also the aspects of business systems, architecture systems, and casualties in business tasks. In sexual events, if the disaster programs are limited to the IT system, the IT system can be recovered quickly, but other systems are paralyzed, and bank institutions cannot provide services in time. So far, no banks in China have achieved the overall disaster backup of the branch -level level, which has caused grass -roots banks to recover the core business in a short period of time after encountering emergencies such as the "5.12" Wenchuan earthquake.