February** Dynamic Incentive Program
If we go to the bank one morning to do business, we may see such a scene:A black armed transport vehicle was parked in front of the bank, and several gunmen in bulletproof vests were carrying a large bag of cash into the bank.
This behavior is easy for us to understand, because the bank may have a lot of people to handle the withdrawal business every day, and a large amount of cash is needed to cope.
But what is strange is that every afternoon at the end of the day, the armed escort truck stops in front of the bank to carry out a large bag of cash.
This can't help but make us feel a little puzzle in our hearts:Can't the money in the bank stay overnight? Is it necessary to arrange for armed escort vehicles to be transported back and forth every day?
Is it really safe to carry such huge sums of cash in armed escort vehicles every day through the streets of the city?
The early banks, the ancient banks, could leave money overnight and did not re-ship it to the vault before or after the end of each day's business.
But,With the increasing refinement of bank management and the improvement of security standardsNowadays, all banks count their cash before and after each day's business, load it into armed transport trucks and transport it to locally built vaults.
The reason for this,Not only for safety reasons, but also for cost and regulatory reasons.
First, in terms of cost, we have seen in various places, such as the Industrial and Commercial Bank of China, the Agricultural Bank of China and the Postal Bank, etc., they are only a business outlet, and their main function is only to handle business and sales for depositors, and do not have the function of storing cash, ** and other valuables.
If every bank's branch has such a function, building a small treasury to cope with the needs of daily business, then it is a large expense for the bank.
Because the construction of a vault is not as simple as building a basement, there are certain requirements for site selection alone.
In addition, the vault is not an ordinary building, it needs to meet certain standards, such as earthquake-proof, fire-proof, explosion-proof, and waterproof, etc.
After the completion of construction,The vault also had to be equipped with a very advanced security system, such as cameras, encrypted access control and automatic alarm systems, etc., necessary security personnel are also essential, and these security personnel must be specially trained and can be held by ordinary security guards in the community.
If these expenses are combined, a bank's business outlets may invest several hundred thousand yuan if they want to build a vault, and the sum of hundreds or thousands of business outlets across the country is completely unsustainable for banks.
Second, in terms of supervision, it is stipulated that the bank's business outlets will count the cash every day, and all transfers are also a kind of supervision of the business outletsIf you leave your money overnight at your business outlets, there may be negligence in supervision, and there may be insider theft.
In addition, and more importantly,Countries need real-time visibility into the liquidity of cash to inform the country's next policy moves.
If the money is left at the bank's business outlets, even if it is convenient for the bank, the state can formulate a policy through the situation reported by the bank, but this is second-hand information, and it is very likely that there will be inaccuracies and processingThe state cannot match the situation in the market when formulating monetary policy.
Due toEvery cash cart is a liquid vaultAnd in the densely populated city streets, things that affect the safety of cash trucks may happen at any time, such as car accidents, robberies, etcWhether you can be lucky enough to complete every task of transporting money is a task with a very high degree of difficulty
However, we hardly hear that the cash truck has been involved in a car accident or has been robbed, which shows that the safety factor of the cash truck is still very highHow does the security company ensure that every cash shipment task is completed smoothly?
One is in terms of recruitmentTransporting money is a very challenging task, not only to have a keen attention and always pay attention to the external environment, but also to have a strong will not to be affected by the huge amount of cash in the cash truck.
Therefore, when the security company screens personnel for financial escorts,The selection of police officers will be carried out with reference to the conditions of the selected police, and the physical, cultural and political inclinations of the selected personnel will be strictly grasped.
The security company will send special personnel to the police station where the family of the recruited team members is located to issue political examination materials, and go to the school and local villagers to conduct multiple investigations to understand the actual situation.
Those who do not perform well in political ideology, those who do not behave well at school or at home, those who have been punished or punished, those who have a tense relationship with their neighbors, and those whose families are in particularly financial difficulties will be resolutely refused.
In a rigorous 3-month closed trainingThe team members are assessed and eliminated from the aspects of ideological quality, military quality, professional skills of security escort, and various fighting kung fu.
Because they are facing extremely risky work, they must cultivate professional escort personnel who are hard-working, calm, quick to react, and have strong physical skills.
The second is in terms of systemIn order to be able to make every cash transportation task can be completed safely and smoothly, the security company willWe have a very detailed charter so that we can respond to all kinds of unexpected situations.
In addition, due to the fact that escort personnel also need to socialize after work, they may come into contact with a variety of different people.
However, transporting banknotes is a very demanding job, and escorts may have some bad ideas in the process of contacting different types of people in their social life, and even cooperate with some criminals, thus affecting the safety of the banknote transportation task.
Therefore, when faced with such a situation, the security company will also manage the private life of the escort personnel to a certain extentAvoid contact between escort personnel and some idle people in society.
Some security companies will even issue clear regulations to implement militarized closed management of escort personnelIf there is something necessary to go out, you must ask for instructions, and you can only go out after approval, and you must return to the team at the specified time, otherwise you may be fired.
For example, in March 2003, escorts from a security company in Jiangsu violated the company's regulations by having a few drinks at home at noonIn the end, he was suspended and transferred out of the financial escort, which shows that the security company has very high requirements for this personnel management.
The third is in daily trainingIn the process of transporting money, there may be criminals blocking the road to rob or other situations, especially in the nineties of the last century and the beginning of this century, criminals often rob the cash truck.
For example, in 2000 and 2003, the major cases of robbery of cash trucks in China are: Changde 91. The robbery of a cash truck, Shenyang City, 200110 Cash truck was robbed, Jinzhou December 200112 Cash truck was hijacked, Zibo 4, 20029. Case of the cash truck being attacked by a homemade rocket, Shenyang 1, 200318. The robbery of a cash truck, etc.
Therefore, the security company's skill requirements for escort personnel are very high.
The security company will set up a security training school to provide pre-job training and on-the-job training for escort personnelAt the same time, the security company will also create various special security skills training and extended training for escort personnel according to the difference of each task.
The instructors of the security training school must also meet certain standards, and generally must be retired military personnel or retired police officersThis allows the instructor to convey the experience in the actual combat to the escort personnel, so as to train excellent escort personnel and ensure that they can deal with various emergencies.
In the future, the dangers faced by the cash truck will be more complex and diverse, especially the criminal tools that criminals can use are more advanced.
But,Criminals are "improving", and security companies are making even greater progress in securing banknotes because they have adequate financial support.
The first is in the protection capacity of the cash truckThe working performance of the cash transport vehicle is the key to enhancing the protection ability and ensuring the safety of the escort.
The cash transport vehicles currently in use in China are generally modified from passenger cars, and although the ride is comfortable, the volume is too small and the bulletproof capacity is low. Some units even use home-made cash trucks.
For example,On June 25, 2007, the cash transport vehicle 57 occurred in Qianjiang, Jingzhou, Hubei Province50,000 yuan was robbed, and the cash transport vehicle was converted from an ordinary van.
According to the subsequent inspection, the front door lock of the cash compartment (a small secret room where banknotes are stored) at the rear of the van was broken, and it could be opened and closed at will without a key.
In addition, the back door of the cash compartment also has a lock, but there is a key inserted in the keyhole that can be opened at any time. It can be seen that this kind of vehicle has no ballistic performance at all, and other safety features are also very backward.
In the future, the security company will make the cash transport vehicles under the condition of armed escort must meet the following conditions: the car body, tires, doors, and window glass must have strong bulletproof and anti-smashing performance; There is a surveillance device outside the car; The cabin is equipped with anti-hijacking facilities, driver's door escape devices, communication and emergency alarm devices, etc.
At the same time,It is also necessary to apply fingerprint recognition technology, image data storage and remote transmission technology to the cash truck, so as to greatly improve the safety protection ability of the cash truck.
Second, in terms of risk management, we know that there is no absolute in anything, and many security companies have beenWe have purchased personal accident insurance and property accident damage insurance for our customers.
In the event of a safety accident that infringes on the customer's personal safety or causes property damage, the insurance company shall be responsible for a certain percentage of compensation according to the contract. This risk management mechanism can not only resolve the risk of unarmed escort for the security company, but also establish a good reputation among the customers, so that the interests of the customers can be safeguarded.
Epilogue. Banks have made such a huge amount of cash flow every day a part of their daily work, and it seems like a simple thing for us to go to the bank every day to withdraw money, but there are many people who pay for it.
WhileAll these efforts are to protect the safety of our property.