一、基礎理論知識培訓
銀(yin)行(xing)業(ye)的發(fa)展(zhan)離(li)不開扎實的理(li)論(lun)知(zhi)識基礎(chu)(chu)，太原(yuan)銀(yin)行(xing)業(ye)發(fa)展(zhan)培(pei)訓(xun)首(shou)先會(hui)涉(she)及到基礎(chu)(chu)理(li)論(lun)知(zhi)識的部(bu)分。
（一）金(jin)(jin)融(rong)(rong)(rong)市場(chang)知識 金(jin)(jin)融(rong)(rong)(rong)市場(chang)是銀行業務開(kai)展的大環境，所以對(dui)金(jin)(jin)融(rong)(rong)(rong)市場(chang)知識的學(xue)習必不(bu)可少。培訓內容包括金(jin)(jin)融(rong)(rong)(rong)市場(chang)的基本(ben)概念(nian)，讓(rang)員(yuan)工清晰地(di)理(li)解什么是金(jin)(jin)融(rong)(rong)(rong)市場(chang)，它在整個經濟(ji)體(ti)系中的地(di)位和(he)作用。還會涉及各類(lei)金(jin)(jin)融(rong)(rong)(rong)工具(ju)的特點和(he)功(gong)能，像(xiang)股(gu)票、債券、基金(jin)(jin)等(deng)(deng)不(bu)同(tong)(tong)金(jin)(jin)融(rong)(rong)(rong)工具(ju)，員(yuan)工需要掌握它們(men)的收益(yi)性(xing)、風(feng)險性(xing)等(deng)(deng)特征，以便在為客戶提供理(li)財建(jian)議等(deng)(deng)業務時(shi)有充分的依據。同(tong)(tong)時(shi)，金(jin)(jin)融(rong)(rong)(rong)市場(chang)的運作機制也是培訓重點，例如金(jin)(jin)融(rong)(rong)(rong)市場(chang)是如何進(jin)行資(zi)金(jin)(jin)的融(rong)(rong)(rong)通、價(jia)格(ge)是如何形成(cheng)的等(deng)(deng)。
（二）銀(yin)(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)務(wu)理(li)(li)論 1. 銀(yin)(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)務(wu)知(zhi)識(shi) - 存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)方(fang)面，要(yao)(yao)學(xue)(xue)習(xi)(xi)存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)類型及(ji)(ji)(ji)(ji)特點(dian)，例如(ru)(ru)(ru)活期存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)流(liu)動性強、定期存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)利率(lv)相對(dui)較高等(deng)。還(huan)要(yao)(yao)掌握存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)利率(lv)計算方(fang)法(fa)，這關系到客(ke)戶的(de)(de)(de)(de)(de)(de)(de)收益計算，以(yi)及(ji)(ji)(ji)(ji)存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)操作(zuo)流(liu)程(cheng)，包括(kuo)開戶、存(cun)(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)、取款(kuan)(kuan)(kuan)等(deng)環節的(de)(de)(de)(de)(de)(de)(de)規(gui)范操作(zuo)。 - 貸款(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)則(ze)要(yao)(yao)了解貸款(kuan)(kuan)(kuan)產(chan)品(pin)類型及(ji)(ji)(ji)(ji)特點(dian)，像住(zhu)房貸款(kuan)(kuan)(kuan)、商(shang)業(ye)(ye)(ye)貸款(kuan)(kuan)(kuan)等(deng)不同(tong)類型貸款(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)適(shi)用(yong)(yong)對(dui)象和(he)(he)條(tiao)件。對(dui)貸款(kuan)(kuan)(kuan)風(feng)(feng)險(xian)評估的(de)(de)(de)(de)(de)(de)(de)學(xue)(xue)習(xi)(xi)有助于員(yuan)工(gong)識(shi)別(bie)潛在的(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)險(xian)，在貸款(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)操作(zuo)流(liu)程(cheng)方(fang)面，從貸款(kuan)(kuan)(kuan)申請(qing)、審核(he)到發放等(deng)各個環節都需要(yao)(yao)深入學(xue)(xue)習(xi)(xi)。 - 信(xin)用(yong)(yong)卡(ka)業(ye)(ye)(ye)務(wu)的(de)(de)(de)(de)(de)(de)(de)培(pei)訓包括(kuo)信(xin)用(yong)(yong)卡(ka)種類及(ji)(ji)(ji)(ji)特點(dian)，例如(ru)(ru)(ru)普通(tong)信(xin)用(yong)(yong)卡(ka)、白金信(xin)用(yong)(yong)卡(ka)等(deng)不同(tong)等(deng)級(ji)信(xin)用(yong)(yong)卡(ka)的(de)(de)(de)(de)(de)(de)(de)權益和(he)(he)服務(wu)差(cha)異。信(xin)用(yong)(yong)卡(ka)申請(qing)與使用(yong)(yong)流(liu)程(cheng)、信(xin)用(yong)(yong)卡(ka)還(huan)款(kuan)(kuan)(kuan)與額度(du)管(guan)理(li)(li)等(deng)知(zhi)識(shi)也會涉及(ji)(ji)(ji)(ji)，以(yi)確(que)保(bao)員(yuan)工(gong)能夠準(zhun)確(que)地(di)為(wei)客(ke)戶解答(da)相關疑問并處理(li)(li)業(ye)(ye)(ye)務(wu)。 - 投(tou)資(zi)理(li)(li)財(cai)業(ye)(ye)(ye)務(wu)部分，要(yao)(yao)學(xue)(xue)習(xi)(xi)投(tou)資(zi)理(li)(li)財(cai)產(chan)品(pin)種類及(ji)(ji)(ji)(ji)特點(dian)，如(ru)(ru)(ru)銀(yin)(yin)(yin)行(xing)(xing)(xing)理(li)(li)財(cai)產(chan)品(pin)、代銷的(de)(de)(de)(de)(de)(de)(de)基金產(chan)品(pin)等(deng)的(de)(de)(de)(de)(de)(de)(de)收益和(he)(he)風(feng)(feng)險(xian)情況(kuang)。同(tong)時，投(tou)資(zi)理(li)(li)財(cai)風(feng)(feng)險(xian)評估以(yi)及(ji)(ji)(ji)(ji)投(tou)資(zi)理(li)(li)財(cai)操作(zuo)流(liu)程(cheng)也是(shi)培(pei)訓的(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)內(nei)容，這樣員(yuan)工(gong)才能為(wei)客(ke)戶提供合(he)理(li)(li)的(de)(de)(de)(de)(de)(de)(de)投(tou)資(zi)理(li)(li)財(cai)建議。 2. 銀(yin)(yin)(yin)行(xing)(xing)(xing)監管(guan)制度(du) - 銀(yin)(yin)(yin)行(xing)(xing)(xing)監管(guan)機構(gou)及(ji)(ji)(ji)(ji)其職(zhi)責是(shi)員(yuan)工(gong)需要(yao)(yao)明確(que)的(de)(de)(de)(de)(de)(de)(de)，了解銀(yin)(yin)(yin)保(bao)監會等(deng)監管(guan)機構(gou)如(ru)(ru)(ru)何對(dui)銀(yin)(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)進(jin)行(xing)(xing)(xing)監督管(guan)理(li)(li)，以(yi)及(ji)(ji)(ji)(ji)它們各自的(de)(de)(de)(de)(de)(de)(de)職(zhi)能范圍。銀(yin)(yin)(yin)行(xing)(xing)(xing)監管(guan)法(fa)律法(fa)規(gui)的(de)(de)(de)(de)(de)(de)(de)學(xue)(xue)習(xi)(xi)能夠確(que)保(bao)銀(yin)(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)務(wu)操作(zuo)在合(he)法(fa)合(he)規(gui)的(de)(de)(de)(de)(de)(de)(de)框(kuang)架內(nei)進(jin)行(xing)(xing)(xing)，像《商(shang)業(ye)(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)法(fa)》等(deng)相關法(fa)律法(fa)規(gui)的(de)(de)(de)(de)(de)(de)(de)具體條(tiao)款(kuan)(kuan)(kuan)都是(shi)培(pei)訓內(nei)容。此外，銀(yin)(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)監管(guan)模(mo)式及(ji)(ji)(ji)(ji)程(cheng)序(xu)也會被詳細講解，例如(ru)(ru)(ru)現場(chang)檢(jian)查和(he)(he)非(fei)現場(chang)監管(guan)等(deng)監管(guan)模(mo)式的(de)(de)(de)(de)(de)(de)(de)操作(zuo)流(liu)程(cheng)等(deng)。
二、技能與能力提升培訓
（一）風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)技(ji)(ji)(ji)能(neng) 1. 風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)基礎知識(shi) - 員(yuan)(yuan)工(gong)(gong)(gong)要(yao)學(xue)(xue)習銀(yin)(yin)行(xing)(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)類(lei)(lei)型及(ji)影響，如(ru)(ru)信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、市(shi)場(chang)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)等(deng)(deng)(deng)不(bu)同類(lei)(lei)型風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)對銀(yin)(yin)行(xing)(xing)經營的(de)(de)(de)(de)(de)威(wei)脅。掌握銀(yin)(yin)行(xing)(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)的(de)(de)(de)(de)(de)原(yuan)(yuan)則(ze)和方(fang)(fang)法，例(li)如(ru)(ru)全面(mian)(mian)性(xing)原(yuan)(yuan)則(ze)、獨立性(xing)原(yuan)(yuan)則(ze)等(deng)(deng)(deng)原(yuan)(yuan)則(ze)，以及(ji)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)識(shi)別、評估、控(kong)制(zhi)(zhi)等(deng)(deng)(deng)方(fang)(fang)法。同時，銀(yin)(yin)行(xing)(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)體系(xi)建設(she)也(ye)是(shi)培訓(xun)內(nei)容(rong)(rong)，包括風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)的(de)(de)(de)(de)(de)組(zu)織架(jia)構、流(liu)程(cheng)(cheng)(cheng)等(deng)(deng)(deng)方(fang)(fang)面(mian)(mian)的(de)(de)(de)(de)(de)構建。 2. 具體風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)管(guan)(guan)理(li)(li)(li)(li)(li)(li) - 在信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)方(fang)(fang)面(mian)(mian)，要(yao)學(xue)(xue)習信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)識(shi)別和評估方(fang)(fang)法，像(xiang)如(ru)(ru)何通過(guo)客(ke)(ke)戶(hu)(hu)的(de)(de)(de)(de)(de)信(xin)(xin)用報告、財務狀(zhuang)況等(deng)(deng)(deng)因(yin)素評估信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)控(kong)制(zhi)(zhi)和減少措(cuo)施，例(li)如(ru)(ru)設(she)定信(xin)(xin)用額度(du)、要(yao)求擔保(bao)等(deng)(deng)(deng)手段也(ye)是(shi)培訓(xun)重(zhong)(zhong)點，還(huan)有不(bu)良資(zi)(zi)產的(de)(de)(de)(de)(de)處(chu)理(li)(li)(li)(li)(li)(li)和清收的(de)(de)(de)(de)(de)相關流(liu)程(cheng)(cheng)(cheng)和方(fang)(fang)法。 - 市(shi)場(chang)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)部(bu)分(fen)，要(yao)了解(jie)市(shi)場(chang)波動(dong)因(yin)素及(ji)影響，像(xiang)利率(lv)、匯率(lv)波動(dong)對銀(yin)(yin)行(xing)(xing)資(zi)(zi)產和負(fu)債(zhai)的(de)(de)(de)(de)(de)影響。市(shi)場(chang)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)工(gong)(gong)(gong)具和方(fang)(fang)法，如(ru)(ru)套(tao)期保(bao)值等(deng)(deng)(deng)工(gong)(gong)(gong)具的(de)(de)(de)(de)(de)使(shi)用也(ye)是(shi)培訓(xun)內(nei)容(rong)(rong)，并(bing)且(qie)會通過(guo)銀(yin)(yin)行(xing)(xing)市(shi)場(chang)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)案例(li)分(fen)析加深員(yuan)(yuan)工(gong)(gong)(gong)的(de)(de)(de)(de)(de)理(li)(li)(li)(li)(li)(li)解(jie)。 - 操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)中，銀(yin)(yin)行(xing)(xing)操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)來源(yuan)和類(lei)(lei)型需要(yao)明確(que)，如(ru)(ru)內(nei)部(bu)流(liu)程(cheng)(cheng)(cheng)不(bu)完善、人為失誤等(deng)(deng)(deng)可能(neng)導致的(de)(de)(de)(de)(de)操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)控(kong)制(zhi)(zhi)措(cuo)施，例(li)如(ru)(ru)加強內(nei)部(bu)控(kong)制(zhi)(zhi)、員(yuan)(yuan)工(gong)(gong)(gong)培訓(xun)等(deng)(deng)(deng)，以及(ji)操(cao)(cao)作風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)(li)(li)的(de)(de)(de)(de)(de)流(liu)程(cheng)(cheng)(cheng)和方(fang)(fang)法也(ye)是(shi)培訓(xun)內(nei)容(rong)(rong)。 （二）客(ke)(ke)戶(hu)(hu)服(fu)務技(ji)(ji)(ji)能(neng) 1. 溝通技(ji)(ji)(ji)巧(qiao) - 良好的(de)(de)(de)(de)(de)溝通是(shi)銀(yin)(yin)行(xing)(xing)業(ye)務開展的(de)(de)(de)(de)(de)重(zhong)(zhong)要(yao)保(bao)障。員(yuan)(yuan)工(gong)(gong)(gong)要(yao)學(xue)(xue)習如(ru)(ru)何與不(bu)同類(lei)(lei)型的(de)(de)(de)(de)(de)客(ke)(ke)戶(hu)(hu)進行(xing)(xing)有效的(de)(de)(de)(de)(de)溝通，包括語言(yan)表達(da)、傾聽(ting)技(ji)(ji)(ji)巧(qiao)等(deng)(deng)(deng)方(fang)(fang)面(mian)(mian)。例(li)如(ru)(ru)在面(mian)(mian)對老年客(ke)(ke)戶(hu)(hu)時，要(yao)使(shi)用簡單易懂的(de)(de)(de)(de)(de)語言(yan)，耐(nai)心傾聽(ting)他們(men)的(de)(de)(de)(de)(de)需求。 2. 投訴處(chu)理(li)(li)(li)(li)(li)(li) - 當遇到客(ke)(ke)戶(hu)(hu)投訴時，員(yuan)(yuan)工(gong)(gong)(gong)需要(yao)掌握正確(que)的(de)(de)(de)(de)(de)處(chu)理(li)(li)(li)(li)(li)(li)方(fang)(fang)法。要(yao)學(xue)(xue)習如(ru)(ru)何安(an)撫客(ke)(ke)戶(hu)(hu)情(qing)緒，了解(jie)客(ke)(ke)戶(hu)(hu)投訴的(de)(de)(de)(de)(de)原(yuan)(yuan)因(yin)，并(bing)且(qie)能(neng)夠及(ji)時、有效地解(jie)決問(wen)題，提高客(ke)(ke)戶(hu)(hu)滿意度(du)。 3. 服(fu)務態度(du) - 積(ji)極(ji)、熱情(qing)、專(zhuan)業(ye)的(de)(de)(de)(de)(de)服(fu)務態度(du)是(shi)銀(yin)(yin)行(xing)(xing)員(yuan)(yuan)工(gong)(gong)(gong)必(bi)備的(de)(de)(de)(de)(de)素質。培訓(xun)內(nei)容(rong)(rong)包括如(ru)(ru)何保(bao)持良好的(de)(de)(de)(de)(de)服(fu)務態度(du)，在工(gong)(gong)(gong)作中展現(xian)出親和力和專(zhuan)業(ye)性(xing)，提升銀(yin)(yin)行(xing)(xing)的(de)(de)(de)(de)(de)整體形象。
三、職業素養與合規培訓
（一）職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)素養 1. 職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)道德(de) - 遵守(shou)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)是銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)員(yuan)(yuan)工(gong)(gong)的(de)(de)基本要(yao)(yao)求(qiu)(qiu)，同時要(yao)(yao)做到誠實守(shou)信、廉潔自(zi)律。在(zai)(zai)(zai)培(pei)(pei)訓中(zhong)，會(hui)(hui)通(tong)過(guo)實際案例(li)分析(xi)等(deng)方式讓員(yuan)(yuan)工(gong)(gong)深(shen)刻理(li)解職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)道德(de)的(de)(de)重要(yao)(yao)性，避(bi)免出現違規(gui)(gui)(gui)(gui)行(xing)(xing)(xing)(xing)(xing)為。 2. 職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)能力 - 員(yuan)(yuan)工(gong)(gong)要(yao)(yao)具(ju)備專業(ye)(ye)(ye)(ye)(ye)(ye)知(zhi)識和技(ji)能，能夠勝(sheng)任本職(zhi)(zhi)(zhi)(zhi)工(gong)(gong)作(zuo)(zuo)。這就需要(yao)(yao)不斷地學(xue)習和提(ti)升自(zi)己的(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)務能力，培(pei)(pei)訓內(nei)容(rong)包(bao)括對(dui)(dui)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)務知(zhi)識、風(feng)險(xian)管(guan)理(li)知(zhi)識等(deng)的(de)(de)持續更新學(xue)習。 3. 職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)態(tai)(tai)度 - 積極進取、認(ren)真(zhen)負責(ze)、勇(yong)于創新的(de)(de)職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)態(tai)(tai)度有助(zhu)于員(yuan)(yuan)工(gong)(gong)在(zai)(zai)(zai)工(gong)(gong)作(zuo)(zuo)中(zhong)不斷進步(bu)。培(pei)(pei)訓中(zhong)會(hui)(hui)強調職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)態(tai)(tai)度對(dui)(dui)個(ge)人(ren)職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)發展和銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)整體(ti)(ti)發展的(de)(de)積極意(yi)義，鼓勵員(yuan)(yuan)工(gong)(gong)樹立正確(que)(que)的(de)(de)職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)態(tai)(tai)度。 4. 職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)形象 - 注重個(ge)人(ren)形象，保持良好的(de)(de)職(zhi)(zhi)(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)形象也是培(pei)(pei)訓內(nei)容(rong)之一。員(yuan)(yuan)工(gong)(gong)的(de)(de)著(zhu)裝、儀(yi)表、言(yan)行(xing)(xing)(xing)(xing)(xing)舉止等(deng)都代表著(zhu)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)形象，需要(yao)(yao)符合(he)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)規(gui)(gui)(gui)(gui)范(fan)要(yao)(yao)求(qiu)(qiu)。 （二）合(he)規(gui)(gui)(gui)(gui)培(pei)(pei)訓 1. 銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui) - 銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)概述是培(pei)(pei)訓的(de)(de)基礎，包(bao)括銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)相(xiang)關法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)體(ti)(ti)系的(de)(de)構(gou)成，如《銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)監(jian)(jian)(jian)督(du)管(guan)理(li)法(fa)(fa)(fa)(fa)》等(deng)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)。銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)的(de)(de)適用(yong)范(fan)圍(wei)以及銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)違規(gui)(gui)(gui)(gui)行(xing)(xing)(xing)(xing)(xing)為的(de)(de)法(fa)(fa)(fa)(fa)律責(ze)任等(deng)內(nei)容(rong)都會(hui)(hui)被(bei)詳細(xi)講解，確(que)(que)保員(yuan)(yuan)工(gong)(gong)在(zai)(zai)(zai)業(ye)(ye)(ye)(ye)(ye)(ye)務操作(zuo)(zuo)中(zhong)嚴格(ge)遵守(shou)法(fa)(fa)(fa)(fa)律法(fa)(fa)(fa)(fa)規(gui)(gui)(gui)(gui)。 2. 銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)監(jian)(jian)(jian)管(guan)規(gui)(gui)(gui)(gui)定(ding) - 對(dui)(dui)銀(yin)(yin)監(jian)(jian)(jian)會(hui)(hui)、證監(jian)(jian)(jian)會(hui)(hui)等(deng)監(jian)(jian)(jian)管(guan)機構(gou)的(de)(de)規(gui)(gui)(gui)(gui)定(ding)進行(xing)(xing)(xing)(xing)(xing)學(xue)習，例(li)如監(jian)(jian)(jian)管(guan)機構(gou)對(dui)(dui)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)務經營范(fan)圍(wei)、風(feng)險(xian)控制等(deng)方面的(de)(de)規(gui)(gui)(gui)(gui)定(ding)，確(que)(que)保銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)運營符合(he)監(jian)(jian)(jian)管(guan)要(yao)(yao)求(qiu)(qiu)。 3. 銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)合(he)規(gui)(gui)(gui)(gui)管(guan)理(li) - 包(bao)括反洗錢、反恐怖融資、反欺詐等(deng)合(he)規(gui)(gui)(gui)(gui)要(yao)(yao)求(qiu)(qiu)。員(yuan)(yuan)工(gong)(gong)要(yao)(yao)學(xue)習如何(he)識別和防范(fan)洗錢、恐怖融資和欺詐等(deng)行(xing)(xing)(xing)(xing)(xing)為，在(zai)(zai)(zai)業(ye)(ye)(ye)(ye)(ye)(ye)務操作(zuo)(zuo)中(zhong)嚴格(ge)執(zhi)行(xing)(xing)(xing)(xing)(xing)相(xiang)關的(de)(de)合(he)規(gui)(gui)(gui)(gui)程(cheng)序。
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