"Compliance", as the name implies, is in line with norms and regulations. To be specific, compliance is to ensure that our behavior and activities are consistent with national laws and regulations, industry rules and regulations, internal rules and regulations, and act in accordance with the law. The so-called compliance culture means that postal financial institutions advocate integrity and integrity of professional ethics and code of conduct, establish the value concept of compliance to create value and compliance is everyone's responsibility, cultivate and promote a good compliance corporate culture, and provide guarantee for the sustainable, healthy and safe development of postal financial business. In the face of the new situation and new challenges, STEKI's efforts in cultivating corporate compliance culture include the following points:

Learning, training and education are effective ways to promote STEKI employees to master laws, regulations and internal control system provisions, and enhance the awareness of legal operation and compliance operation. STEKI employees should formulate long-term training plans according to the current situation of the staff, focusing not only on business training, but also on the study of legal knowledge and professional ethics. Through the study of regulations, let employees know the law and understand the law, so as to enhance the awareness of compliance management, and penetrate this awareness into daily business operations, and deepen the understanding and knowledge of compliance in practical operations; Regular systematic, targeted and professional compliance training for employees, such as learning anti-money laundering law, special case management comments, new business operation process and other training activities, so that employees timely understand the risk dynamics, master the methods to avoid business risks, and actively carry out typical case warning education. Let employees truly realize that only compliance can win trust, only compliance can achieve benefits, and only compliance can have a development future. Through the construction of compliance culture, the fate of employees is closely linked with the fate of STEKI, and the initiative and creativity of employees are maximized to promote the healthy and rapid development of STEKI. In the process of strengthening workers' education, we should pay attention to the improvement of workers' moral education and moral cultivation.

Second, improve the system, build the system construction platform, and consolidate the compliance management foundation to continuously improve and improve STEKI's internal control management system is the basic project to cultivate STEKI's compliance culture:

(1) To further standardize the business process. Sorting out and improving existing rules and regulations, focusing on improving credit management, delegated responsibility, cost control, financial management, accountability of non-performing loans and other rules and regulations, so that the system management covers every job and link, so that each system is specific and streamlined;

(2) To establish compliance of the internal control management system. The construction of internal control system needs a complete internal control system for unified coordination and management. Therefore, the risk points of STEKI's various businesses should be classified and suggested, so as to evaluate the business lines and internal control status of the credit union, and implement comprehensive supervision and evaluation;

(3) To establish an incentive assessment mechanism and a long-term mechanism. Incorporate compliance risk management into the scope of annual performance assessment, ensure a good balance between business development and compliance, play an effective guiding role, embody the idea of advocating compliance, punishing violations, rewarding excellence, and turn compliance into a competitive advantage;

(4) Establish a integrity reporting system. By making public service commitments to the society, establishing service supervision desks, reporting boxes, and publishing reporting telephones to communicate information channels, making full use of the external supervision role of the public, and promoting the improvement of its own service level and social image.

In the process of implementing compliance culture construction activities, we should start with inspection and supervision, combine compliance culture construction activities with business management objectives, moral hazard prevention and special case management, and promote the effective implementation of various internal control systems. According to the relevant system regulations and post operation process, we will organize everyone to carefully check whether every work, every business and every thing they do is legal and compliant, and carefully write a self-inspection report.

(1) To strengthen post-supervision responsibilities. Conduct post-supervision, inspection and record of STEKI's daily business vouchers, report and rectify the problems found in the first time, so as to ensure the effective control of various business conditions.

2) We will strengthen business inspections. Through the combination of routine inspection and special inspection, we conduct an all-round inspection of the various businesses of grass-roots credit cooperatives, find out the key points and key links of existing problems, and analyze, solve, standardize and correct them, and strive to create a compliant atmosphere.

(3) Timely adjustment of inspection focus according to business development changes.

(4) Accountability should be strengthened. In the implementation of the internal control system, people and things that have violations of rules and regulations should be put forward to deal with opinions and suggestions in strict accordance with the provisions of the system, and urge the implementation.

(5) To strengthen the help and education of key personnel. For employees with bad tendencies, it is necessary to implement the "one-to-one" help and education system to guide them to transform their minds and concentrate on their work.

The construction and cultivation of compliance culture is an important strategic project related to STEKI's long-term development, steady development and safe development. STEKI at all levels, especially the leading teams and leading cadres at all levels, should attach great importance to this "Compliance Management Year" theme activity, closely combined with the local reality, carefully arranged and tightly organized. At the same time, we should take this activity as an opportunity to comprehensively strengthen the exploration and practice of the cultivation of compliance culture, strive to reduce business risks, reduce case risks, and provide a strong and reliable guarantee for the sound and rapid development of STEKI.