Research On Operation Risk Management Of GT Agriculture Bank's Cabinet Business

The counter commercial bank customer service as the most primitive places,play an extremely importabt role in today's Internet,gradually developed a strong financial,commercial banks follow the market trends,the ongoing research and development of new products,the counter business growing,product diversification ane counter operation risk prevention difficulty to increase the operational risk cases have occurred.A number of measures have been taken by the Agricultural Bank of China in the risk of operation of the cabinet.As the GT line of the branch of the Agricultural Bank of China,the operation of the temporary container business shows the commonality of the Agricultural Bank's temporary business and the characteristics of the county service sub branch.There are many risks in the actual operation of the GT Agricultural Bank's temporary business.In order to ensure the healthy development of GT agricultural bank business,GT agricultural bank must realize the existence of risk problems,explore the causes of risks,and combine its own actual situation to optimize the operation risk management system of temporary cabinet business as the future work.Firstly,through literature analysis,introduces the research status at home and abroad on the counter part of the operational risk,and to study the content of this paper is to find the theoretical basis,through case analysis,through the GT bank counter operation case analysis,counter operation risk status,existing problems,and finally through the method of theoretical and empirical analysis.With the full range of GT bank operation counter and business management analysis of the status quo,analysis of counter business development prospects,highlighted the urgent need to improve the place of Agricultural Bank of China GT.After the actual investigation,the relevant information was collected,and a detailed analysis and demonstration of the subject were carried out in combinatioh with the theory.Through three parts,this paper focuses on the analysis of the operation risk status and existieg problems of GT Agricultural Bank's temporary cabinet business,the design of risk prevention and control optimization program,and the implementation of optimization measures.First,GT Agricultural Bank of China in recent years and carry out the "three systems" building,efforts to improve the operation quality,but the subjective awareness of risk prevention is still not strong,the establishment of the organization and the process of the objective aspects of system construction lag,GT bank counter operational risk prevention and control situation is still grim;second,through the analysis of the GT bank Pro status and the problem of risk cabinet,through system optimization,performance goal setting reasonable and rational allocation of staff and institutions to improve recognition and approval procedures prior to the risk prevention and control,followed by improving internal control execution,strengthen effective communication and optimize the authorization process to effectively prevent business risk occurrence,and finally through the system construction,personnel supervision afterwards to resolve the operational risk supervision afterwards.Third,this paper discusses how to provide escort for the implementation of optimization plan from the aspects of risk culture construction,personnel quality improvement,network distribution and optimization of performance distribution.