The Research On The Counter Operation Risk Management Of Commercial Banks

The risks that commercial banks need to face are usually from four aspects,such as credit risk,market liquidity risk,operational risk,and market environment risk.Operational risk is characterized by high frequency and dispersed distribution in many risks,which is more difficult in management.Therefore,this paper studies the counter operation risk management of the Commercial Bank of A.The main purpose of this paper is to analyze the characteristics of the counter operation risk of commercial banks,to sum up the risk points of operation,and to put forward the corresponding improvement measures and suggestions.In terms of research contents,three aspects are analyzed respectively from theoretical analysis,case studies,and suggestions and measures.First of all,in the theoretical analysis.Taking the classification and characteristics of operational risk of commercial banks as the breakthrough point,the counter operation risk is compared with other types of risk types.The characteristics of the counter operation risk of commercial banks,the basic principles of management and the specific contents of risk management are discussed.Secondly,a case study is conducted based on A commercial bank.Through different cases,risk points are summarized and summarized.The counter operation risk events of A commercial banks are divided into different types of operation error,internal fraud,subjective breach of contract,improper audit and centralized authorization violation.It also combs the risk points of the risk events that have occurred,and summarizes the attribution of these risk events,and analyzes the problems in the management and control of the counter operation risk of A commercial banks.Finally,according to the results of case analysis,in view of the shortcomings of the A commercial bank in the counter risk management,the corresponding optimization measures and suggestions are put forward from the aspects of personnel quality,management system,risk management culture and strengthening internal control.