Study On The Control Of Counter Operational Risk Of XX Branch Of DY Bank

Recently, there have been profound changes occurring in external business environment of banking industry. The risks faced by the banks have also become more complicated. With the analysis on financial cases of the banks, it could be found that the cases leading from the problems of the internal operational risk control of accounts for a large proportion. Due to the particular position of accounting operation management department in the internal management of commercial banks, the operational risks of commercial banks generally will be exposed in the link of counter business processing. Moreover, the exposure of the operational risks will not only lead to the loss of financial losses of the banks, but also influence the image, credit and normal operation of internal business of commercial banks in the social public. Then, it will further have adverse effects on the operation of the whole financial system. The significance of operational risk control of bank counter business to the whole successful operation of commercial banks is becoming more and more apparent.In order to solve the operational risks of counter business in practical work, this paper draws lessons from the relevant theories and applies the methods that combines theoretical research with empirical research and combines comprehensive analysis with comparative study with the guidance of the theory of economics, finance and management. On the basis of elaborating the relevant concepts and principle theory of operational risks of commercial banks, it analyzes and compares the practice of commercial banks in the aspect of operational risk control of accounting operation; it adopts the methods of data statistics, case analysis and SWOT analysis to have a deep analysis on the status and reasons of operational risk control of accounting operation of XX Branch, DY·Bank. Also, aimed at the specific problems of real people, system and process, it puts forward some improvements on operational risk control of DY Bank on the aspects of management architecture, human resource management, re-establishment of business process and support of technology and information and proposes that the implementation of improvement needs to rely on constructing the operational risk control system, establishing business system with effective control, formulating the human resource policy which is good for sustainable development, promoting the existing technology force of banks and cultivating the effective guidance and support like good internal control culture of enterprise to guarantee the operation of counter business of DY Bank with safety and high efficiency.