During the year, 66 bank executives were denied their qualifications for 50% of the time because they failed the qualification test and allegedly were "not difficult"
Our reporter Peng Yan
In the banking industry, professional financial knowledge preparation is undoubtedly the basic requirement for practitioners.
But from the reality, on the way to be promoted to senior executives, many people were rejected because of "disqualification".
In August, the denial of the qualifications of bank executives ushered in a small climax. In just one month, 14 bank executives were denied their positions.
According to statistics from the official website of the China Banking and Insurance Regulatory Commission, a reporter from Securities Daily found that as of September 3, a total of 66 bank executives (including directors, etc.) were denied their qualifications during the year (according to the time of publication), of which nearly 50% were denied. The executives were "planted" on the qualification examination.
In addition to the "disqualification" of the examination, there are also various reasons for the disqualification of bank executives.
"Kangke" is regional
Among senior executives’ rejection letters, the most frequent reason for disapproval was the “missing” of the exam.
According to incomplete statistics from the reporter, of the 66 rejection letters from senior executives, 32 were rejected because they “failed the qualification examination or professional knowledge test”, accounting for 48%.
In addition, due to insufficient knowledge and ability and experience, unsatisfied working years, insufficient education, personal and family financial instability, and criminal records have also become stumbling blocks on the way for bank executives to promote.
“The rejection of the qualifications of bank executives in succession reflects that the candidates recommended by financial institutions lack the knowledge structure or experience necessary for commercial bank work.” Baoxin Financial Chief Economist Zheng Lei said in an interview with a reporter from the Securities Daily. The institution has strengthened the management of some small and medium-sized banks, such as equity issues, operational compliance, and risk management. The qualifications for senior management must be strictly required. If the senior management lacks relevant experience or knowledge, it will inevitably cause problems and omissions in operation and management. .
In particular, the number of rural commercial banks, rural credit cooperatives, and village banks has developed rapidly, and there are deficiencies in professional management. It is necessary to conduct appropriate clean-up, adjustment and integration.
It is worth noting that among the bank's proposed senior management who failed the qualification examination, rural commercial banks, rural banks, and rural credit cooperatives accounted for the vast majority. At the same time, large state-owned banks and joint-stock banks were involved, but relatively few.
Deng Yu, a distinguished senior researcher of the Nishizawa Research Institute, said in an interview with a reporter from the Securities Daily that the senior executives of rural financial institutions may have some historical problems. The sources of management of rural financial institutions in the central and western regions are complicated and are currently under strict supervision. Under the model, the number of senior executives who do not meet the requirements has increased. In addition, the regulatory standards are no longer formalized, but strict rules and regulations. Those who do not meet the requirements are directly rejected.
The test questions are too difficult?
personal reasons?
Different from other industries, the appointment of bank executives needs to be approved by the regulatory authorities, and there are strict regulations. Passing the corresponding qualification examination is only one of the most basic requirements in the regulations.
Why does the examination as a basic requirement "stump" some financial institutions' proposed senior management? The reason is that the test questions are too difficult?
Or is it personal?
It is understood that the written test of executive performance examination adopts a combination of main question bank and auxiliary question bank.
The main question bank uniformly adopts the question bank prepared by the CBRC; the auxiliary question bank is prepared and updated by the examination office.
The auxiliary question bank mainly includes content such as major regulatory policies and regulatory requirements, as well as professional examination questions for special types of posts and special types of institutions.
In addition, if you fail the first exam, you can take another make-up exam two weeks apart.
What is the importance and difficulty of executive qualification examinations?
The reporter interviewed some senior bank executives.
In their view, the qualification examination is just a procedure and there is no pressure.
An executive from a branch of a joint-stock bank told a reporter from the Securities Daily: “The test questions for the incumbency exam are not difficult. You can read various regulations and laws before the exam. Generally, you can pass it as long as you prepare carefully.”
Another person in charge of a small and medium-sized bank told reporters that the content of the examination is mainly related to basic banking knowledge, including practical banking business processes, relevant supervision and management methods, and basic banking knowledge. “In general, it is not difficult. "In addition, the reporter found that there is also a relevant test question bank on the Internet, and most of the readers commented that the test is "not difficult."
However, such "basic" exams still "stumped" some prospective bank executives, and some even frequently failed or simply gave up taking the exam.
A bank practitioner told reporters: “Some regional small and medium-sized banks are not rigorous in the selection mechanism. When promoting management staff, they pay more attention to work performance, working years and work experience, and do not value the mastery of theoretical knowledge. Many executives Learning in this area is also relatively neglected."
Dong Ximiao, chief researcher of China Merchants Finance, said in an interview with a reporter from Securities Daily that for small and medium-sized banks, a large number of people enter the bank to become shareholders or directors, and these people may not have been in the financial industry before and lack professional knowledge. The exam is indeed a bit stressful for them.
He suggested that in addition to strengthening training and improving economic and financial professional knowledge, there should be a distinction in the setting of the examination content, taking into account the actual situation of small and medium banks, there should be some pertinence in the design of the subject content.
In the future, how to improve the professional quality of management personnel of rural financial institutions is also an urgent problem to be solved.
Deng Yu believes that improving the overall quality of the management personnel of rural financial institutions and strengthening the qualifications and qualifications are important links in promoting the reform of rural financial institutions and corporate governance.
The first is to strengthen the open selection and qualification review of management personnel; the second is to introduce excellent external management talents to enrich the management personnel of rural financial institutions; the third is to promote cross-regional appointments to avoid problems such as the transfer of benefits.
(Securities Daily)