Commercial Bank Counter Service Risk Analysis And Control

Commercial bank counter service with the vast number of customers contact the most direct part, the vast majority of customers is through the business process, enjoy the bank service, completed a business management. Because of the financial institutions operating currency is a special industry, bank counter risk hidden in every aspect of a small, whether internal control is not in place, or counter personnel operation problem, whether the system developed, or supervision and inspection, any link has slightly carelessly may cause great losses. Together with in last few years banking cases amount to grow ceaselessly, make the banking operational risk research significance is profound.In this paper, on the basis of the previous study theory, combined with China’s commercial banking business practice, elaborated commercial banking operational risk research related theory, combined with examples, discusses the research background in that purpose, and then studied our country commercial bank counter service risk characteristics, genesis, counter business risk analysis, counter service risk control and risk control effect. Through the case analysis, field survey, summed up the experience, methods such as principal components analysis for commercial bank counter service operation of the transverse and longitudinal comparison, the final in the retention of good operation and management way outside, and then put forward to improve the commercial banking operations of the innovation train of thought. Increase the investment of high-tech, make it better service in the commercial banking business, the development of real-time risk early warning system, financial system networking, mini call sensor application.Risk cannot be completely eliminated, counter business while retaining the traditional password and seal management, authorization, review of system under the premise, information conveyed should be scientific, business interaction, flexible operation, etc.,This paper comes to the following conclusions:system development and implementation should cooperate with each other, mutually influencing factors taken into account; banking risk prevention is not just banking task, but the bank’s overall and whole society common tasks; bank internal control and supervision and inspection of updates to follow; increase the scientific and technological factors for bank counter business investment, to provide more effective protection for the risk control.This article focuses on the practice as base, commercial bank counter service risk involved in society from all sides, the risk is not possible to completely eliminate the circumstances, as far as possible from the system establishment and implementation, operation, hardware facilities, high-tech support, position setting, inside supervision, external supervision to do a good job, strive to control the risk to a minimum, so as to provide better services for customers...