Rrevention Study On The Counter Operation Risk Of H Commercial Bank

With the rapid economic development in China,the banking industry has become more and more mature.While meeting the diversified business needs of consumers,Banks are also constantly exposed to risks.Since July 2018,Guangdong development bank has received 12 fines from regulators,with penalties of up to 700 million RMB,most of which are related to counter business,once again shifting people's attention to bank risk management.Because it not only brings inestimable capital loss to the bank,but also induces a series of business reputation loss and even causes the bank run risk.Subsequent series of fermentation events bring a heavier blow to the bank.The research and prevention of counter operation risk has always been an inevitable topic for commercial Banks.Therefore,it is of great practical significance and theoretical value to study the causes and prevention of counter operation risks in commercial Banks.The first part is theoretical research,mainly including information asymmetry theory,internal control theory and risk management theory.The second part is a study on the current situation and problems of counter operation risk of H commercial bank,which is composed of the third and fourth chapters and is a theoretical research application.Chapter three analyzes the current situation of counter operation risk management of H commercial bank.It mainly introduces the development status of H commercial bank,operation process of counter business and the risk management system of counter operation of H commercial bank.Chapter four: analysis of counter operation risk of H commercial bank.First determine counter easy to cause the risk point in business operations,secondly by 2017 H commercial bank counter business error counter business operation risk the risk of a node is determined,again through the real cases of account management risk points,important blank vouchers to manage risk,seal risk management and authorization management risk points for further analysis,finally summarized in this paper,the H operational risks in commercial Banks to counter the problems.The third part is the countermeasure research.The countermeasures are put forward from three aspects: improving the relevant system of counter business operation risk,strengthening staff management and improving the information management level of counter business operation risk.To sum up,this paper comprehensively analyzes the status quo of counter operation risk management of H commercial bank,and puts forward optimization Suggestions on the construction of counter operation risk system,staff management and the information management level of counter operation risk.