Research On Risk Management And Control Of DY Bank's Counter Operation

With the development of economy,the workload of bank financial behavior has increased rapidly,and bank teller's operational risk events have also occurred frequently.These risk events have caused great harm to the bank's operating activities and also affected the bank's social credibility.Now banks are paying more and more attention to the risks of counter operations.They are all looking for ways to be able to control risks,avoid risks and reduce risks.For urban commercial banks with a small amount of registered capital and a relatively weak foundation,the management and control of bank tellers' operational risk is particularly important.As a local city commercial bank,DY Bank has expanded its scale and profit after several years of expansion.DY Bank has made many initiatives to strengthen internal risk management.There are also many achievements.However,due to the limitations of the bank's overall capabilities,there are still many risk factors and some risk events occur every year.It is of great practical and economic significance to study DY Bank's counter operation risk management and put forward relevant effective measures and management.This article first elaborates the concepts,characteristics,and classifications of bank counter operations risk,and investigates some of the views,understandings,and experiences and practices of counter operations risk at home and abroad;on this basis,it shows the current situation and actuality of counter control at DY Bank.The case of operational risk,the identification and assessment of counter operations risks formed,and a series of problems and deficiencies in the current management and control of counter operations risk are also pointed out in a more comprehensive manner.Later,on the basis of the problem recognition,the Bank conducted research on the optimization and upgrading of counter operations risk management and control,and put forward suggestions for improvement from three aspects: system,personnel,and culture,and included internal control,assessment,and risk compensation.Improve and ensure the smooth implementation of management and control.The suggestions and countermeasures for the improvement of these studies are very practical for DY Bank.The innovation of this paper is to highlight the role of management culture in the management and control of counter operations risks,and put forward a risk compensation mechanism,which is also a supplement to the counter operation risk management and control system.