自古以来，中国讲究从政有“官德”，治学有“学德”，为师有“师德”，行医有“医德”，各行各业都有职业规划和操守。金融业作为一个特殊的服务行业，社会影响大，客观上要求金融从业人员具有良好的职业道德。

Since the ancient times,China is pay attention to politics"Official virtue",Research have"Learn German",For the teacher have"virtue",Doctor have"Medical ethics",All walks of life have career planning and integrity.The financial sector as a special service industry,Social influence big,Objectively requires financial employees have good professional ethics.

　　然而，近年来，由于受利益诱惑或个人法律意识淡薄，金融从业人员犯罪案件频发，如银行内外勾结金融诈骗、证券内幕交易和利用未公开信息交易、保险业截留客户保险金和退保金等问题突出。尤其是证券市场，从许春茂案件到李旭利案件，基金公司从业人员利用未公开信息买卖股票牟取不法利益的行为，受到社会公众的广泛关注，也为广大基民、股民所深恶痛绝。一方面股民赚少赔多，逐渐对证券市场失去信心，另一方面，少数人员利用资金优势、职位优势、信息优势等恣意妄为，给证券市场秩序带来极大危害。

however,In recent years,Because of the temptation or personal interests of legal consciousness,Financial personnel frequent crimes,Such as bank financial fraud and collusion/Securities insider trading and use of undisclosed information transaction/Insurance entrapment customer insurance and surrender gold problems, etc.Especially the securities market,XuChunMao from case to case LiXuLi,Fund company employees use undisclosed information buy and sell stocks obtain illegal behavior of interests,By the social public attention,Also for the vast number of base civilian/People hatred.On the one hand people earn less than compensate,The securities market gradually lose confidence,On the other hand,A few researchers used the fund superiority/Position advantage/Information superiority and so recklessly,Give the order of the securities market bring great harm.

　　在大多数人眼中，基金从业人员大多高职务、高学历、高收入。然而在这样的社会精英中，有人在明知自己行为违法违规的情况下，仍然铤而走险，最终落入法网。由此可见，金融从业人员自身缺乏道德修养、不注重职业操守，缺乏法律意识，将直接损害客户或投资者的利益，同时，也将影响金融机构的声誉，造成资金方面的损失，而自己也会因此付出惨重的代价。

In most people's eyes,Fund employees mostly high position/Highly educated/High income.However, in such a society in the elite,Someone in the know that their illegal behavior of the case,Still rush in where angels fear to tread,Finally fall into the.Thus it can be seen,Financial staff itself lack of moral cultivation/Don't pay attention to ethics,Lack of legal consciousness,Will directly damage the customer or the interests of investors,At the same time,Will also affect the reputation of financial institutions,Cause the loss of money,And you will therefore pay a steep price.

　　要更好地加强金融从业人员职业道德建设，或许可以从三个方面入手：

To better strengthen financial employees professional ethics construction,May from three aspects:

　　第一，金融活动的主体受其道德准则所支配，因此，加强金融从业人员的伦理道德教育尤为重要。研究表明，培养金融人才应“营养均衡”，较为合理的比例应为：金融技能占50%、商业智慧占20%、伦理道德占20%、管理哲学占10%。在培养高级金融人才过程中尤其要强调伦理道德教育，这比金融技能和商业智慧更加重要。对此，业内专家建议，可以多形式、多层次、全方位地开展教育，把思想道德教育、普法教育、规章制度教育结合起来，使从业人员学法、知法、懂法、依法办事。其实，金融从业人员的自觉、自律非常重要。千万不要心存侥幸，以身试法。上海闸北区人民法院曾审理过一起某银行从业人员在网上出售客户信息案。法院审理中发现，四名被告出售客户信息所获利益，多的2万余元，少的仅1000余元，获利并不多，但他们却冒着丧失人身自由等巨大风险实施犯罪。这只能表明由于他们缺乏道德修养和基本的道德操守，利欲熏心，最后走上了犯罪的道路。

The first,The main body of the financial activities by the code of ethics dominated,so,Strengthen financial employees ethical moral education is particularly important.Research shows that,To train financial personnel should be"balanced",Reasonable scale should be:Financial skills accounted for 50%/Business intelligence accounted for 20%/Ethics accounted for 20%/Management philosophy accounted for 10%.In the training of senior financial talents should be emphasized especially in the process of moral education,This is the financial skills and business wisdom is more important.this,Industry in the expert advice,Can form/multi-level/To carry out the all-round education,The ideological and moral education/Education popularization of/Rules and regulations education combined,Make employees method/knowing/then/Handle affairs according to law.In fact,Financial employees conscious/Self-discipline is very important.Don't take any chances,Defy the law.Shanghai zhabei area people's court had a trial with a bank employees sell online customer information case.The court found,Four accused sell customer information the interests,Much more than 20000 yuan,Little more than 1000 yuan only,Profit is not much,But they are risking the loss of personal freedom and great risk committing crimes.This only shows that due to their lack of moral cultivation and the basic moral integrity,Be blinded by greed,Finally to the way of crime.

　　第二，金融机构自身加强内控非常重要。上海金融法制研究会副秘书长陈颖表示，金融从业人员的文明素养及行为习惯，是先进的管理熏养出来的，不只是一个道德自律的单一命题。去年以来出现的一起起银行员工的“跑路”案件，说明在内部管理上形成的过度依赖“能人”文化，极易带来一系列的管控风险。去年底，温州四家银行有员工因参与民间借贷，资金链断裂后外逃。这些银行在给记者的回复中不约而同地谈到，上述员工所为属于个人行为，未涉及该行自身及客户资金，相关当事人已被开除。其实，员工出事后，以“8小时之外的个人行为”来推卸责任，只是一厢情愿。员工之所以能得到债权人的信任，主要是因为有职务便利，利用自己信息对称和专业优势，获得大笔资金，并通过其指定管道在银行体外循环。银行职工利用职务之便，从事了与银行业务相近或相关联的业务并造成了客户的实际损失，该员工单位需要承担相应责任。因此，银行业机构的机制和文化，如果不能将员工个人导入规范之中，就很难避免灾难性的案件发生，也不得不承担起本可避免的损失。

The second,Financial institutions to strengthen their internal control is very important.Shanghai financial legal system research association deputy secretary-general ChenYing said,Financial employees civilization accomplishment and behavior,Is advanced management smoked keep out,Not just a moral self-discipline single proposition.Since last year in YiQiQi bank employee"Run road"case,Description in the internal management of the formation of relying too much on"Homo habilis"culture,Easy to bring a series of control risk.end,Wenzhou four Banks have employee participation folk lending,After capital chain rupture flight.The bank in to reporter reply all talked about,The staff did belong to individual behavior,Did not involve the bank itself and customer capital,The relevant parties has been dismissed.In fact,Staff accident,to"Eight hours outside of the individual behavior"To shirk responsibility,Just wishful thinking.Employees can get the trust of the creditors,Mainly because there is job convenience,Use their symmetry of information and professional advantages,Receive a lot of money,And through its designated pipe in the bank in vitro cycle.The bank staff and take advantage of their positions,Engaged in the bank business similar or related business and caused the actual loss of the customer,The employee units need to assume corresponding responsibility.so,Banking institution mechanism and culture,If not to be personal introduction of standard,It is hard to avoid catastrophic incident occurred,Also have to assume this can avoid the loss.

　　第三，防患于未然。记者了解到，证券监管部门近年来已经对证券市场上的违法违规行为进一步加强了查处和打击力度，今年更是集中力量查处了一批证券市场中的犯罪案件，其中包括多起基金公司从业人员利用未公开信息交易案。对于此类犯罪，证券监管部门和司法机关始终保持“零容忍”态度，打击必然趋向严厉，查处力度必将继续加强，处罚力度必将加大。

The third,Nip in the bud.The reporter understands,Securities regulatory authorities in recent years has been to securities market illegal behavior to further strengthen the investigation and combat strength,This year is focused on a number of securities market and the crime,Including several fund company employees use undisclosed information trading case.For this kind of crime,The securities regulatory departments and judicial organs remain"Zero tolerance"attitude,Will tend to severe blow,Investigation dynamics will continue to strengthen,Punishment will increase.

　　但是，由于金融从业人员犯罪不仅具有专业性、前瞻性，而且案情复杂，手段丰富，潜伏时间长。今后，应如何更好地预防金融从业人员犯罪？上海市人民检察院金融检察处处长肖凯在接受记者采访时指出：“金融从业人员犯罪的社会危害性较其他行业而言尤为严重，一旦发生往往会造成不可逆转的严重损害，事后的刑事处罚，已难以修复被破坏的社会关系，更不可能完全消除对金融市场的负面影响，因此，立足防范、加强金融从业人员犯罪的预防才是治本之策。今后，检察机关将进一步加强惩处金融从业人员犯罪的力度，严密法网；加强协作，构建社会各方共同参与的预防金融从业人员犯罪长效机制；深入研究，逐步开展金融从业人员犯罪的制度预防；加强信息沟通、共同研判，不断完善金融从业人员犯罪预测、预警和风险提示机制。”

but,Due to financial employees crime is not only a professional/prospective,And the case complicated,Means rich,Dormant for a long time.In the future,How to better prevention financial employees crime?The Shanghai municipal people's procuratorate financial procuratorial marshal XiaoKai when accepting a reporter to interview points out:"Financial employees is harmful to the society and crime than other businesses particularly serious,Once happen often causes irreversible serious damage,Criminal punishment afterwards,It has been difficult to repair damaged social relations,The more impossible to eliminate the negative impact on the financial market,so,Based on guard against/Strengthen financial employees crime prevention is the essential strategy.In the future,Procuratorial organs will further strengthen financial crime punish employees efforts,Tight dragnet;To strengthen cooperation,Constructing the common participation of all parties to prevent financial employees crime long-term mechanism;In-depth study,Develop financial employees crime prevention system;Strengthen communication of information/Common judge,Constantly improve the financial employees crime prediction/Early warning and risk warning mechanism."

　　据了解，在金融领域制度预防曾有过多起成功的范例。历史上，客户证券交易结算资金第三方存托管、银行存贷业务前后台分离以及人员定期轮岗等制度，都在防范金融从业人员犯罪方面发挥了重要作用，大幅降低了案发率。检察、纪检、金融监管部门、金融机构、行业协会等相关单位应共同合作，吸收高校、科研机构一起参与，集中各方的力量与智慧，加强对金融业各项具体业务规定、操作流程的分析和研究，寻找可行且具有实效的防范制度或措施。当前可以在银行内外勾结金融诈骗、证券内幕交易和利用未公开信息交易等突出问题中，每年选取一至两项设立专题研究小组进行研究，争取在金融从业人员犯罪制度预防方面有所突破。

It is understood,In the financial field system has too much to prevent the successful paradigm.history,The customer securities transaction settlement funds with a third party custody/Bank loan business QianHouTai separation as well as personnel regular work shift system,All employees in preventing financial crime has played an important role,AnFaLv sharply reduced.procuratorial/Disciplinary inspection/Financial regulators/Financial institutions/Industry associations, and other related units should be mutual cooperation,Absorption university/Research institutions participated in together,Concentrated power and wisdom of all parties,To strengthen the financial sector specific business rules/Operation process analysis and research,Looking for feasible and have effective prevention system or measures.The current can be in a bank in inside and outside the financial fraud/Securities insider trading and use of undisclosed information transaction such outstanding problems,Select one to two year set up project team were studied,For the financial employees crime prevention system of a breakthrough.