Study On Commercial Bank Counter Operational Risk Prevention

In recent years,with China's GDP growth slowed down,the economic development in the new normal,the rapid development of commercial banks and high profit era has become the past,the new development environment will be more complex,commercial banks face the risk will be even more severe.Due to internal control mechanism is not perfect and so caused the financial risk cases frequent exposure,according to incomplete statistics,over the past year have more than 30 huge deposits of fraud cases,involving an amount of more than 60 billion,involving across various types of commercial banks.Through behind these cases,we can see not only external fraud reasons,more important is bank internal control deficiencies in the system and the bank employees involved,under the collusion of bank employees and criminals,depositors' money deposited in the bank at the same time immediately be transferred to the his account.The case of the occurrence of depositors and banks have suffered huge financial losses,but also to the bank's reputation caused great negative impact.For a long time,we are more concerned about the banking credit risk and market risk,on the risk of more,and with relatively little attention to operational risk,especially to the bank counter operational risk research is less,so we in the understanding and research of counter operational risk management and control remains to be improved.This paper in the analysis of commercial banks operational risk management theory,through specific case analysis of a bank counter operation risk,a bank counter operation risk status analysis,resulting in the risk the reasons behind these risks,and puts forward the corresponding bank a counter operation risk prevention and control countermeasures,the hope can give valuable enlightenment in commercial bank counter operational risk prevention and control,thus more comprehensive improve commercial bank counter operation risk prevention and control ability.