The ATM Risk Control Research For The A Bank

With the development of science and technology, great changes have taken place in the modern commercial bank service methods. The ATM breaks the limit of counter in time and space. It can be flexible and convenient for the cardholder to provide self-service cash transaction service. With the rapid development of social economy, people’s demand for financial services is becoming more and more abundant. Safe, simple and convenient, independent and comprehensive is people’s new requirements for financial services of modern commercial bank. After decades of development, the self-service cash transaction equipment represented by ATM has become to be the most important service channel outside the traditional counter in modern commercial banks. At the same time, it has become an important means for commercial banks to seize the market, increase revenue, and expand the influence.Due to the unattended, store cash and other characteristics, from the first day of ATM birth, the problem of risk control has become a precondition for the healthy development of the ATM business. All aspects of the ATM from the business involved, mainly in the background, operation rules and regulations, the equipment itself and outsourcing etc. In order to ensure the sustained and healthy development of ATM business, risk analysis and prevention is particularly important.In this paper, I find the risk factors through the analysis of the ATM business process, summed up the various risks faced by ATM business development, and thus build ATM risk control systems. At the same time with the A bank Suzhou branch as an example, analyze the existing problems in the development of ATM business, and find solutions according to the ATM risk control system.This paper supplies and completes existing risk control system of ATM from the micro level, and put forward the methods of standardized operation. This has a certain reference value for the A bank to reduce the risk of ATM business. At the same time, it has certain reference significance for other types of commercial banks to control the risk of ATM.