The Research On Operational Risk Control Of Harbin Bank Counter Service

The bank counter operational risk is an important part of the operation risk, it has the characteristics of wide coverage, risk, complexity etc.. The mistake accident, a large number of legal disputes and economic cases not only caused huge losses to the bank, but also seriously damage the bank’s reputation, to bring great pressure to the development of banks.Therefore, how to effectively control the counter operational risk, reduce economic loss,reduce the reputation risk, commercial banks have become the problems to be solved.The Bank of Harbin is the city commercial bank headquartered in Harbin, in recent years the rapid development of the company, has been in Chongqing, Shenyang, Tianjin, Dalian and other regions with 15 branches, business institutions reached more than 200. With the establishment of branch offices, the innovation of financial products, characteristics of business development, the bank counter operational risk also increases the. Therefore,research on the operational risk of counter business, adopt effective measures to prevent and control the risk, the Bank of Harbin steady development has important significance.This paper first provides an overview of the Bank of Harbin and its counter business status, operational risk of Bank of Harbin the main counter business, then the status of operational risk control of Harbin bank counter business analysis, Harbin bank counter business problems of operational risk control and the causes of these problems; then from domestic and foreign advanced bank counter operational risk control experience from the operational risk of Bank of Harbin counter business organization design, operational risk assessment of the Harbin bank counter business operation,risk control of Harbin bank counter business, Harbin bank counter operational risk supervision system,Harbin bank counter operational risk losses to five improvement of Harbin bank counter operational risk control system; and then puts forward some measures to ensure the Harbin bank counter operational risk control the implementation of, and reduce operation risk arising from the bank counter service.