Banker's audit experience

At first, the money exchange industry only engaged in coin exchange business, and later kept money and received cash on behalf of businessmen. In this way, a large number of monetary funds gradually gathered in the hands of exchange merchants. When money changers engage in lending business, money changers become banks. Below I will bring you the experience of auditing bankers, hoping to help you!

Banker's audit experience 1

In the busy and intense work of the whole bank, the end of the year is approaching. The end of the year is the busiest time and the most practical time in our hearts. Because looking back on this year's work, every employee in our accounting and cashier department has his own gains, without mediocrity and waste of time. Although the division of work is different, everyone is trying their best to contribute to the development of the industry. Time flies, and a year will be crossed in a blink of an eye. In order to sum up experience, carry forward achievements and overcome shortcomings, we briefly review and summarize our work this year as follows:

I worked as a cashier in the finance department this year, mainly responsible for cash receipt and payment, bill seal management, invoice issuance and inter-bank settlement. At first, I simply thought that the cashier's job seemed simple, but in fact it was just routine work such as counting money, filling checks and running away from the bank. But when I really put myself into my work, I realized that my understanding and understanding of cashier work was wrong. Cashier's work is not only of great responsibility, but also has many academic and technical problems, which need to be mastered by combining theory with practice. In normal work, I can strictly abide by the financial rules and regulations, strictly implement the cash management and settlement system, make daily and monthly statements, check the cash and accounts with the accountant regularly, report and deal with any discrepancy in the cash amount in time, pay the salary and other payable funds in time according to the vouchers provided by the accountant, abide by the financial procedures, strictly review the relevant original vouchers and strictly keep the relevant seals. Blank checks, blank receipts and cash on hand are complete and safe. Grasp the balance of bank deposits in time, do not issue blank checks and forward checks, check the cash flow and bank deposit details after closing at the end of the month, carefully bind the original vouchers of the month, deliver the original vouchers and receipts and payments documents of the bank in time every month, cooperate with accounting to handle various accounts and fund allocation under local and municipal funds, and strictly control the use of special funds and bank accounts.

The above is my experience and understanding since I joined the work this year, and it is also a process of translating theory into practice in my work. In the future, I will strengthen my study, master various financial policies, regulations and business knowledge, constantly improve my business level, strengthen my awareness of financial safety, safeguard my personal safety and the interests of the company from loss, do my job well and develop together with all employees of the company. The new year means a new starting point, new opportunities and new opportunities. Looking back on one year's work, I feel that there are still many shortcomings:

1, just to meet the completion of their own tasks, work development is not bold enough.

2. The professional quality is not improved quickly, and the understanding of new business is not enough and thorough;

There is still a gap between my work and other peers, and my sense of innovation is not strong.

The above is a summary of my personal work, and I will report to the leaders and employees of the whole bank. All the achievements of this year only represent the past, and all the lessons and shortcomings are kept in mind by each of us and we strive to improve. Work is day after day, seemingly boring again and again, but we believe that little by little achievements are extraordinary. Today's accumulation will lead to tomorrow's glory.

Banker's audit experience II

I worked as an auditor in a bank for a year. Under the leadership of the leaders and with the help and cooperation of everyone, I earnestly performed my duties as an auditor, independently carried out my work within the prescribed scope of duties, conducted business inspections according to the duties of auditors, issued rectification notices according to the inspection contents and supervised the implementation of rectification, which effectively prevented the occurrence of various accidents and ensured that there were no accidents and cases in the annual safety accounting of the whole bank. The work is summarized as follows:

First, strengthen study and constantly improve their own quality.

According to the auditor's requirements of "strong politics and professional skills", since the beginning of this year, I have been aiming at improving my own quality, insisting on putting learning first and striving to improve my professional quality and work level. Over the past year, I have been able to seriously study the relevant document system and other relevant regulations, master accounting methods and processes, enhance my business analysis ability and problem-solving ability, and improve my audit level. Be strict with yourself in learning, study hard, improve in learning, make progress in learning, and increase the awareness of learning from actual needs. Through study, we have improved our professional quality, mastered advanced concepts, broadened our horizons and enhanced our ability to analyze, check and solve problems.

Second, do a solid job.

As an employee, this year, I personally experienced the great changes that banks have brought to our daily life, from focusing only on quantity expansion to focusing on quality improvement, and the resulting changes in job division and income distribution. The introduction of various systems has put forward many more clear and detailed requirements for the standardized operation and management of our bank, and paid attention to detailed management and refined management in our work. In response to violations, more preventive and disciplinary measures have been taken. The Internal Control Department is the supervisory department of the whole bank, and deeply feels that the responsibility is great and the work is important. I want to do a good job of inspection.

(1) Earnestly perform audit duties, check the implementation and business operation of various rules and regulations of branches and outlets, find and correct problems in work in time, and implement rectification. Job rotation, outgoing audit, financial inspection, compliance manual writing, etc.

(two) pragmatic, conscientious, do a good job of inspection.

Earnestly perform the duties of auditors and do a good job in auditing. In the inspection, we should be careful, strive for perfection, carefully check each work content, make records, put forward rectification opinions on the problems found, improve the accounting quality of outlets, improve the level of internal control management, and prevent the occurrence of operational risks.

Third, review and check your own problems.

First, study is not enough. At present, the new economy based on information technology is booming, new situations and new problems are emerging one after another, new knowledge and new science are constantly coming out, facing severe challenges, and they lack the sense of urgency and consciousness to learn.

Second, if you are tired from work, you will have a relaxed mind. This is my low political quality, low world outlook, outlook on life and values.

Four, in view of the above problems, the direction of future efforts is:

First, strengthen theoretical study and further improve their own quality. Familiarity with financial services at the front desk cannot replace the pursuit of improving personal quality at a higher level. We must improve our ability to analyze and solve problems through study.

The second is to strengthen the overall concept, change the work style, strive to overcome their negative emotions, improve the quality and efficiency of work, and actively cooperate with leaders and colleagues to do a better job.

In short, in the past year's work. Although all the work has been successfully completed, there are still problems and deficiencies, which will be gradually improved in the future practical work, giving full play to the functional role of auditors and comprehensively improving their work level.

Banker's audit experience 3

Twenty years is coming to an end. In the past 20 years, our bank has been doing well and withstood the pressure of the financial crisis. In the most difficult year of the economy, our bank has made great progress, which is particularly commendable. Therefore, we must sum up our work experience in the past year so as to make better progress in the coming year.

In order to adapt to the development under the new situation, the financial audit department has established, improved and implemented various financial rules and regulations. As the nature of the company has changed, it is necessary to revise and improve the company's financial rules and regulations. According to the municipal bureau (company) financial system, organized the preparation of the _ _ group financial system. In order to sum up the experience and lessons, and better complete the task of 20__ _ _, our department summarizes the financial audit work as follows:

I. Audit work

1, according to the spirit of the audit work conference of the Municipal Finance Bureau, put forward requirements for the work of the financial audit department.

(1) Continue to consolidate and implement the financial management module, strengthen the management awareness and responsibility awareness of financial personnel, and give full play to the functional role of financial management. While implementing information management in an all-round way, our financial personnel are required to spend their time and energy on enterprise management. They must go to various accounting companies every week to learn about the operation of enterprises, give full play to their subjective initiative, and provide more valuable information and suggestions for operators. This requirement is taken as the main index of the 20__ year target assessment.

(2) All employees should establish financial management as the core idea of enterprise management, enhance their sense of crisis, urgency and responsibility, strengthen their study, and strive to improve their own quality to meet the requirements of financial work under the new situation.

2, fully meet the national audit.

In order to meet the comprehensive inspection of the National Audit Office, according to the audit focus of the municipal bureau (company), our department audited the financial revenue and expenditure on June 5438+February 3 1, and combined with the actual internal audit work, closely focused on the hot, key and difficult issues of the group company, gave full play to the financial supervision and service functions, provided timely decision-making basis for the leaders of the group company, and made specific arrangements and deployments for the financial work involved in the audit.

3, financial audit and supervision positions

In order to strengthen the audit and supervision function of the group company's financial work, we recruited four experienced financial personnel who have been engaged in financial work for many years this year to enrich and strengthen the positions of financial audit, audit and financial management. The work responsibilities and categories of the four comrades were clarified, and it was required to revise and improve the responsibility system and assessment methods of various financial positions in this department as soon as possible, so as to lay a solid foundation for improving the quality and efficiency of financial work.

4. Formulated and studied the assessment method of post responsibility system in financial audit department.

In order to better perform the duties entrusted by the general manager, strengthen the financial management and audit inspection of the (group) company, standardize the financial order of the group, and mobilize the enthusiasm and sense of responsibility of the majority of financial personnel, the Financial Audit Department has specially formulated the Assessment Methods for the Post Responsibility System of the Financial Audit Department. Through careful study and discussion, everyone actively thought and agreed to perform their duties in strict accordance with the target assessment method.

Second, the financial work

1. Enhance the awareness of financial services. Over the past 20 years, we have, as always, strengthened financial management, optimized the allocation of resources, and improved the efficiency of the use of funds in accordance with the principle of "scientific, strict, standardized, transparent and efficient", and made it an important task of our department to do well the work clothes of group companies.

2. Strengthen financial management.

According to the requirements of the group company to standardize financial management, optimize financial audit procedures, improve the quality of financial services, and give full play to the participation of functional departments in enterprise management, the financial audit department adjusted the centralized financial management to a trial appointment system for financial personnel, and adopted the principle of "unified management and graded responsibility" for management. The financial audit department is mainly responsible for the financial supervision, financial analysis and financial report of various assets of the group company, the financial management of branches and subsidiaries, and the audit of financial internal accounting vouchers. , give full play to the functions of the financial audit department.

3. Budget management has been steadily advanced.

The first is to refine the budget content. According to the subsidiary ledger of each branch and subsidiary, the implementation of income, cost and period expenses is analyzed in detail, and classified statistics are made by subjects, which lays the foundation for the comprehensive budget of each branch and subsidiary for 20__ _. The second is to improve budget transparency. After the budget plan is properly adjusted according to the feedback from the branches and subsidiaries, it will be examined and approved by the general manager, and then a formal document will be issued to the branches and subsidiaries, so that all units can have a comprehensive understanding of the company's budget and enhance the transparency of the budget; The third is to increase the rigidity of the budget. Pay attention to the problems existing in budget implementation and related situations, feed back the situation to the Budget Committee from time to time, strictly examine and approve the problems such as over-budget, and carry out special demonstration and analysis on the matters applying for adjustment according to the prescribed procedures before implementation. Over the past year, the overall implementation of the budget has been good, and the budget concepts of branches and subsidiaries have been greatly improved and strengthened, which has accumulated experience for doing a good job in comprehensive budget work for 20 years.

4. Vigorously rectify the financial order.

According to the work arrangement of special rectification of the financial order of the Municipal Bureau (company) and the work plan of self-inspection of financial revenue and expenditure, the Group Company focuses on the working idea of "standardizing the business behavior of the industry, promoting the healthy development of the tobacco industry, and creating and accumulating wealth for the country", and takes "finding out the family background, revealing hidden dangers, promoting standardization and promoting development" as the guiding ideology, and strictly follows the requirements of the Municipal Bureau (company) for self-inspection. From top to bottom, the financial audit department has made a self-examination on "off-balance-sheet accounts", "small treasury" and imaginary (chaotic) column costs, income distribution distortion, accounting distortion and other issues, and implemented the combination of strengthening economic responsibility audit and strengthening financial and economic order rectification. According to the principle of "improving while improving", the problems identified are classified according to time and nature, and the loopholes in management are found. Through this self-inspection, the supervision of state-owned assets has been effectively strengthened.

5. Strengthen the role of fund management.

In order to standardize the economic operation order of the Group, strengthen the fund management of branches and subsidiaries, reduce and eliminate the risk of fund use, improve the efficiency of fund use and promote the healthy development of the Group. Since August 20__, the group company has incorporated the fund management center of the group company into the unified management of the settlement center of the municipal bureau (company). In order to ensure that the Group's fund management center can enter the settlement center of the municipal bureau (company) smoothly and in time, according to the requirements of the settlement center of the municipal bureau (company), we have carefully and strictly audited and compiled the annual and monthly capital revenue and expenditure budgets, management expense budgets, operating expenses and financial expenses of all branches and subsidiaries. At the same time, in order to ensure the orderly development of all work, it is emphasized that all branches and subsidiaries should intensify the collection of payment for goods to ensure the normal economic operation of the group company.

In order to give full play to financial functions, we have strengthened the standardization of basic accounting work, improved the quality of accounting information, and ensured the truthfulness, accuracy and completeness of accounting information. Strengthen the functions of financial forecasting, analysis and fund raising, strengthen the management of major investment funds, and provide effective and timely data and technical support for leadership decision-making.

Banker's audit experience 4

Since the supervision group of provincial branches supervised the basic norms of credit accounting management of municipal branches this year, the internal audit departments of municipal branches have unified their thinking and understanding, grasped key links, earnestly strengthened leadership, and ensured that the supervision and rectification work did not go through the motions and achieved practical results.

First, fully understand the significance of doing a good job in supervision and rectification, and enhance the consciousness of doing a good job in supervision and rectification.

Doing a good job of supervision and rectification is the key to ensure the "sound and fast" development of the whole bank's business and realize the "two" goals. The internal audit department of the municipal branch has carried out supervision and rectification in a highly responsible attitude towards the cause of agricultural development bank. For the problems that need to be solved in the rectification, we should not relax our thinking, reduce the intensity and standards, pay close attention to them and grasp them to the end.

In the process of supervision and rectification, the Internal Audit Department of the Municipal Branch closely combined with the actual business development of the Bank, and combined solving ideological problems with solving practical problems. By solving the problems in ideology, work and work style, we have further strengthened our confidence and inspired our spirit, and made due efforts to build a harmonious supervision and accelerate the development of the Agricultural Development Bank.

Second, do a good job in key links and do a good job in supervision and rectification.

1. Grasp the three links of supervision and rectification. The key to supervise the rectification work is to formulate rectification measures and plans, seriously carry out rectification, and announce the rectification results to the employees of the whole bank. The Internal Audit Department of the Municipal Branch implements every link in a down-to-earth manner to ensure the high quality of supervision and rectification work.

2, earnestly grasp the three key points of supervision and rectification. First, do a good job in ideological rectification and strive to improve the ideological and political quality of employees. The second is to do a good job in work rectification and focus on improving the level of promotion. Carry out rectification around "development is the first priority, harmony is the first priority", further form a strong synergy of compliance management of the whole bank, further promote the sound and rapid development of the Agricultural Development Bank, strive to achieve remarkable results in the establishment of "two", and further promote the construction process of Ping An Bank. The third is to do a good job in rectifying the style of work and focus on improving the ability of compliance management. Give full play to the role of supervision in "urging, helping and promoting", pay attention to improving supervision methods, improve supervision art, take the initiative to serve business departments, and seek support and cooperation from business departments. Classify and queue the problems found in supervision, and then feed them back to all departments and offices to help business departments formulate preventive and corrective measures in error-prone links and parts. For new business, proactively alert the business department, and alert the links where entity or process violations may occur, so as to enhance employees' ability to operate in compliance.

The third is to strengthen organizational leadership to ensure the harmonious development of supervision and rectification work.

In order to ensure the overall completion of the supervision and rectification task, the Internal Audit Department of the Municipal Branch attaches great importance to it, makes careful arrangements and meticulously organizes it, so as to achieve practical results and achieve "three in place". First, the responsibility is put in place. The key to supervision and rectification lies in implementation. For the rectification tasks listed in the supervision and rectification plan, the main person in charge and the responsible department are clearly defined, and the rectification time limit is put forward, so that everyone has "four clear" rectification contents, rectification measures, rectification time limit and rectification objectives. Second, leaders take the lead. Bank leaders take the lead in setting an example and promoting the efficient, solid and orderly development of supervision and rectification. The third is to establish a system in place. In accordance with the requirements of building Ping An Bank, we should combine regulatory rectification with the establishment of rules and regulations, establish and improve various rules and regulations, and strive to build a long-term mechanism for compliance management.

Banker's audit experience 5

According to the internal audit deployment of China Petroleum and Natural Gas Co., Ltd., in June 2000 and February 2008, internal control management risk analysis and assessment activities were carried out in the whole bank. According to the internal control evaluation plan, the internal control system of sub-branches is reviewed from five aspects: internal control environment, risk identification and evaluation, control activities, information exchange and feedback, supervision and evaluation, and regular risk analysis and evaluation work is infiltrated into every functional unit room, every work link and every post of the Bank. We will identify the supervision objects of the evaluation as front-line business personnel and managers at all levels; Focus on auditing key units, key positions and weak links; Check and supervise the systems established by various functional departments in a targeted manner, and pay attention to the loopholes and defects in the internal control system and management. The evaluation scope has been expanded and the evaluation level has been improved. Through audit and evaluation, * * * found more than ten hidden risks and weak links in important positions, listed them one by one, analyzed the causes of the problems, put forward reasonable preventive measures and suggestions, and reported them in writing to the leaders of the municipal branches and sub-branches to urge the internal control system to be strictly implemented throughout the bank. The work is summarized as follows:

First, actively carry out internal audit investigation.

According to the key work, weak links and risk points of the whole bank, we have determined two audit investigation items. They are "Investigation on Centralized Procurement Management of Ruian Sub-branch" and "Investigation on the Implementation of Foreign Exchange Regulations, Internal Control System and Business Operating Procedures of Ruian Sub-branch".

In August this year, we investigated the centralized procurement management of sub-branches, found some management deficiencies and irregularities in operation, and put forward rectification opinions and suggestions.

On June 5438+065438+ 10 this year, we investigated the implementation of foreign exchange laws and regulations, internal control system and business operation process of the branch, and basically understood and mastered the foreign exchange management of Rui 'an Branch through on-site inquiry, consulting some files and observing the operation of the counter. According to the investigation, Ruian Branch can better implement foreign exchange laws and regulations, timely implement foreign exchange policies, establish a relatively sound internal control management system, and have clear business authorization and responsibilities. According to the internal control requirements of the superior bureau, combined with its own characteristics, we can refine and supplement various internal control systems, timely revise and improve various foreign exchange business operation procedures, job responsibilities of foreign exchange management positions, assessment methods for foreign exchange managers, and establish internal control supervision and inspection methods. However, many problems have also been found, and rectification suggestions have been put forward according to the different nature of the problems, which have been basically implemented. It has promoted the foreign exchange management department to better implement foreign exchange laws and policies, strictly enforce the internal management system, and standardize business operations.

Through the audit investigation this year, * * * found more than 20 violations and put forward 20 rectification suggestions, most of which have been rectified and implemented. The investigation report written separately has been reported to the president of the branch and the audit department of Zhongzhi.

Two, actively carry out the audit found that the problem "look back" activities.

Since 20__ years, under the personal supervision of the President, with the internal audit as the leading factor, our branch has carefully organized and carried out the inspection of the rectification of problems found in the audit, done a good job of "mending after the sheep is dead", strengthened the implementation of rectification and consolidated the effectiveness of audit supervision.

1, leaders attach importance to it and strengthen the awareness of rectification. Arrange to check the problems found in the audit and the rectification situation since 20__ years. Require relevant departments to further implement their responsibilities and formulate practical measures; Strengthen the awareness of rectification, actively find potential risks, and resolutely put an end to the recurrence of similar problems.

2, careful organization, to ensure the effectiveness of the rectification. Arrange special personnel to sort out all audit projects one by one and carefully check the rectification of problems; All departments are required to report the self-inspection, the reasons for not rectifying and the next specific rectification measures to the Internal Audit Department. On the basis of self-inspection by each department, the internal audit organization personnel conducted re-inspection.

3. Strengthen responsibilities and implement rectification measures. Establishment of accountability system for internal audit rectification of Rui 'an Sub-branch. After the problems found in the inspection are identified by the person directly responsible and the person in charge of the department, corresponding accountability measures are taken according to the causes, nature and circumstances of the problems, and economic penalties are given.

4, strict supervision, to achieve the goal of rectification. For individual problems that are not rectified, urge to formulate specific rectification measures in the next step. Through the "looking back" activity of rectifying problems found in the audit, the goal of "promoting improvement through rectification and promoting improvement through rectification" has been truly realized.

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