A Study On Operational Risk Management Of N Bank Counter Business

Bank is a special industry where provide products and services with money. With the continuous development of the financial markets and banking business, broaden the use of science and technology, increasing difficulty of management, the increasing requirements of servicing and the operational risks of banks are also increasing.Banking business are complex and varied. Most of the business are operated by the counter worker, so the counter operation become the most important part of the banking business operation. Since the counter services directly to customers in banks, requirements of customer for timeliness and accuracy of the counter business processes are high, so the processing counter business or the personal risk situation or the ethics and ability of persons or the IT system problem and other conditions are the main aspects of the bank’s operational risks. All of the risks will not only bring huge financial losses to the bank, but also bring negative reputation.Studying on operational risk management of N bank counter business, in this paper, based on the analysis of the organizational structure and the key methods to management and the main risk control measure and the reasons of operational risks, to find the main loopholes and defects of the counter and operational risk management. In order to ensure the effective implementation of the rules and regulations and to ensure the full implementation of the N Bank development strategy and business objectives and to minimum the risk of loss by capital and reputation, to design the optimization program from some aspects including updating of the organizational structure and culture construction, updating of the key methods to management and the main risk control measure, improving the quality of employees and the design of the business progress, ameliorating the method of operational and regulatory risk management and so on.