Research On The Identification,evaluation And Prevention Of CD Bank Counter Risk

With the rapid development of global finance,commercial banks face a variety of external factors of uncertainty and constantly changing,independent business innovation needs continue to increase,commercial bank counter system design more and more complex,and for the teller counter transaction operation Increasing requirements increase the probability of operational risk exposure.With the size of commercial banks and business continues to expand,operational risk in the proportion of total risk is growing.The study found that the risk of counter-dealing caused by imperfect procedures,personnel and internal and external events often brought greater losses to commercial banks.The importance and urgency of the Basel Committee to incorporate operational risk into one of the three risks of banking financial institutions has been widely concerned about the importance and urgency of managing and preventing operational risk.Counter trading risk as a special operational risk,with all the nature of operational risk.With the transformation of China's banking industry,due to the internal management mechanism is not perfect,counter trading risk of this special operational risk is often one of the most important sources of risk in China's banking industry.Compared with the international advanced level,China's operating risk caused by the risk of commercial banks is much higher than the international average.Therefore,it is of practical significance to study the identification and early warning of counter transaction risk.Based on the commercial bank counter risk identification theory,combined with the CD bank on the counter transaction risk of the actual situation,the following issues:First of all,this paper describes the background and significance of this paper,summarizes the domestic and foreign experts for the commercial bank counter risk management research results,the analysis of the current research deficiencies;Subsequently,the relevant theories and methods used in this article to lay the foundation of this paper By summarizing the basic situation of CD bank and analyzing the current situation of risk management of CD counter,it summarizes the shortcomings in the risk management of CD bank counter,and further explains the necessity and importance of this paper.In the follow-up research,this paper focuses on the CD bank counter risk identification,CD bank counter risk assessment and CD bank counter risk prevention three major content.In the study of risk identification,this paper focuses on the principle of risk identification,the method of risk identification and the analysis of risk identification.Through the study of CD bank counter transaction risk identification,this paper identifies the potential risk points of CD commercial bank counter transactions;In the process of risk assessment,the fuzzy comprehensive evaluation methodis used to evaluate the risk,and finally the main risk of CD bank counter transaction is obtained.Then,this paper analyzes the three aspects of business system optimization,risk culture construction and innovation early warning model Detailed elaboration.In addition,this paper also illustrates the effectiveness of the risk prevention measures by explaining the effect of the risk warning model of the counter transaction.Finally,the author summarizes the research of this paper,points out the shortcomings of this paper and prospects for future work.