A Research On Operational Risk Management Of ABC's Counter Business

In China's financial market,commercial banks are the most important financial institutions,in the economic operation of the credit intermediary,the idle funds together,and then through the use of credit and other forms of resources to optimize the role of the allocation at the same time,Commercial banks exist for profit,profitability is its most important purpose.As a result of the operation of the bank with a special commodity,then the commercial banks in the business is bound to exist risks,therefore,from this perspective,the management of a commercial bank,in addition to management,organizational structure,but also manage the bank facing all Risk,the special nature of commercial banks lies in the management of risk.As a credit intermediary bank in operation,in addition to credit risk,but also because of the market downturn or economic turmoil facing market risk,due to lack of funds facing the liquidity risk,due to counter operator irregularities and risk Mismanagement and operational risk,these risks have a significant impact on the business operations of a commercial bank.Rising prosperity in recent years,with the financial market,constantly complicated social and economic environment,face the operation risk of commercial Banks,including counter business operational risks in commercial Banks in operation risk has become an extremely important aspect,is the biggest in the day-to-day running business organizations at the grass-roots level the risk of the most direct.Counter of the bank to provide service for the customer's important place,in the process of counter operation risk case occurred.Counter control operational risk to the bank management,benefits and reputation has brought great negative impact.Agricultural bank of China attaches great importance to the counter in business operation and the management of risk prevention,formulated a series of,multi-level and comprehensive coverage of counter business operation risk management measures,to ensure the quality of counter business,pay attention to counter business operation risk prevention.As ABC county branch lines,A counter business operation present agricultural bank counter business of commonness and characteristics of county service branch.Counter business of internal operation process,personnel,system and so on various aspects have operating risks.How to combine their own actual situation,the existing counter business operations,on the basis of risk management measures,better for counter business operation risk management,has become A bank must face and problems to be solved.On the basis of combing the research background and domestic and foreign research literature,this paper makes a theoretical analysis of the research problem,then analyzes the object of the study,discusses the problems of the operational risk of the A-line office business,and summarizes and discusses the counter business Operational risk improvement measures,and finally summed up the work done in this paper,A Agricultural Bank of China effective management of counter operations risk conclusions.This article innovation mainly reflected in:firstly,from the macro level,the difference between this article from most of the papers talking about China's commercial bank counter business operation risk is that this article obtains from the micro level to the agricultural bank of China A line counter business operation risk case as the research object,deeply analyze the counter the current situation of operational risk,management problems,thus put forward the counter business operation risk management,operational and targeted stronger,more forward-looking on research content.Secondly,according to the problems existing in A ABC's operational risk management,this paper puts forward the optimal design scheme of counter-risk management of A-ABC,and puts forward the scheme design in three aspects:pre-prevention,event control and post-correction.The safeguard measures,so as to be more comprehensive,targeted risk control.