Research On Operational Risk Management Of Bank Counter Counter

At present, after the share holding reform, the risk of counter business operation is very important in all of the state-owned commercial banks’ share holding reform. The 107 economic cases of a state-owned commercial bank in 10 years are basically involved counter business. If the control of counter operational risk is not good, it may influence the management, reputation, or development.Counter service of commercial bank is very important to provide products and services, credit services for individual customers and enterprises and institutions. Commercial banks in the process of providing customers’ services, also face operational risk from the bad program, human error, system failure and the impact of external events. Therefore, the management of counter operational risk is the problem that the field of risk management of commercial banks must face and solve.Commercial bank is a enterprise that provides banking products and credit service for the whole society. It bears cash services, financing, settlement services, financial services and other social responsibility. Accordingly to the commercial bank itself, the effective management of operational risk not only relates to its sustainable development, but also relates to the risk resistance of the financial industry and the other industries. Therefore, the effectiveness of the commercial Bank’s operating risk management is of great social significance.The operational risk of commercial banks’ counter service lurking in every product and every business circulation process. How to effectively control and prevent this kind of business risk? The first thing is to understand meanings, forms and characteristics of operational risk.This paper briefly describes the meanings, forms and characteristics of the commercial bank’s operating risk, and points out the objectivity of this kind of business risk in commercial bank management, but also points out that to management principles of business.At the same time, the paper studies the case of counter business operational risk of A bank in China. This paper analyzes the means, characteristics and reasons of the crime, to see that strengthen management of the state-owned commercial bank counter business operation risk is very necessary. Combined with the basic concept, classification, characteristics, main characteristics of the risk of commercial bank counter business, the paper discusses the main performance of the commercial banks’ counter business risks in our country, and analyze the causes of counter business risk, and found the common problems of the management of counter operational risk in Commercial Bank, and on the basis of this, puts forward the measure to perfect the risk management system of counter business, to perfect the internal control system of construction of counter business risk and to innovate counter operational risks’ prevention measure, providing theoretical support for the commercial banks to strengthen the risk management of counter operation.The innovation of this paper are as follows:one is the topic relevant to the work practice. The banking industry in recent years frequently case. In this paper, analysis and solution of the case is written based on the practice of my own work. Through analyzes the case happening around living, and combines with the practice in commercial bank management, it has a very vital significance to explore how to make improvement on operation risk management of state owned commercial bank counter business, and to do a good job in case the risk prevention; The second the operational risk management is put forward in the management of people, and it has the denominational significance. "The harnessing way" of "thin, less storage than" in the operating risk prevention is bound to rise to get twice the result with half the effort. Why the risk of counter business operation repeatedly check? Why related case continuously? How to further do a good job in preventing is not only to prevent, but also the "thin";The last one, it is based on the perspective of bank A in our country, using the case to analyze the problems existing in the operational risk management, and put forward the measures of improvement.Anyhow, counter operational risk management is to strengthen the bank internal control and to guard against financial risks. Aiming at the risk factors existing in the system, personnel and system of counter business operation of commercial bank, banks should plan and coordinate the full range of the existing rules, regulations’ system, mechanism and teller’s quality, make risk management more scientific and reasonable, improve the level of risk management.