Rrevention And Conreol Research Of Operational Risks Of Commercial Banks To The Public Counter Service

In recent years, China’s banking industry in scale and the rapid development of thebusiness profits with high-profile. But commercial Banks business from the start,accompanied with risk, operational risk is one of the main risks of commercial Banks, Chinacommercial Banks in the development of all kinds of operation risk also gradually exposed atthe same time, continuing to have operational risks in commercial bank counter in case appear,involving more and more money, more and more people also, the trend of increasingincidence cause the commercial bank managers and experts and scholars widelyattention.Incase operational risk is an important aspect of the commercial banks operationalrisk, especially for public incase operational risk, the larger the amount, the modus operandidiversification, short-term is not so noticeable, more to the point of its risks involved fordetailed analysis, improve risk prevention and control system.The China Construction Bank,Zhengzhou JD branch as a comprehensive network of sub-branches, the public counterservice with many years of operating history, bank-wide growth in the pursuit of businessgrowth and performance, strict requirements compliance operations, adhere to risk preventionand control.This article focuses on The China Construction Bank, Zhengzhou JD branch, forexample, by analyzing the types of Zhengzhou JD Branch of the public counter the specificbusiness unit customers, combined with operational risk cases Intro to identify the existingpublic counter service class operational risk manifestations. Public incase operational riskthrough in-depth research and analysis to identify the subjective and objective reasons,pointed out that the public counter service operational risk the social financial economics,banking and bank employees and units of harm to customers, and ultimately operational riskrespective causes and hazards, combined with successful experiences and measures to identifythe prevention and control of commercial banks operational risk measures on public counterservice. This article is divided into six parts, The first part introduces the research backgroundand significance of public incase operational risk, operational risk at home and abroadResearch, In this paper, the idea of the public counter service operational risk framework.Provide a theoretical basis for the second part of the risk of introduction of basic theory andbasic theory of commercial banks operational risk, operational risk and precautions for thepublic and counter service. The third part of a brief summary of the history and overview ofthe development of the Construction Bank and the China Construction Bank, Zhengzhou JDbranch, and through the public counter service, pointed out that the unit of account openingor modifying the business deposit and loan business, in payment and settlement business, Theunit bank settlement products handled and exist at the time of purchase of the financialproducts on the public counter service operators theft or misappropriation of client funds,misappropriation of customer seal, false open proof of funds, operational risk and operationalrisk cases. Section IV analyzes the to identify subjective reasons of public incase operationalrisk, including the public counter service operators themselves, other personnel of the bank’sinternal and external personnel, bank managers and bank’s internal rules and regulations,objective reasons for sub-for the program operation of the system and the externalunmeasured risk. At the same time, the causes for the risk that harm public counter serviceoperational risk such as banks and customers. The fifth part combined with the analysis ofsome of these, combined with the China Construction Bank, Zhengzhou JD branch lessonslearned from the strengthening of personnel management and improve the system, as well astake advantage of the new operating system to identify the public to reduce the public counterservice operation angle counter operational risk prevention and control measures. The last partconcludes this paper concluded operational risk prevention and control measures of the publiccounter service, to identify shortcomings. Due to capacity constraints, there are still manyshortcomings, but this article is a combination of actual problems in the public counter serviceoperation and actual cases in-depth thought and research, I hope the operational risk ofcommercial banks on the public counter service prevention and control can provide some helpand reference awareness of risk prevention and control, and constantly improve the riskprevention and control system.