The Research About The Risk Of The-cownter Operations In Commercial Banks

With the deteriorating domestic economic situation in recent years and the gradual escalation of China-US trade frictions,domestic commercial banks have frequent internal and external problems.In addition,the contradiction between the financing needs of the real economy and the financing environment has continued to deepen,and the overall probability of default in society has gradually increased.At the same time,the problem of forging fraudulent alterations through bank counters is prominent.People with ill intention have seized the bank's employees and used their power to obtain bank credit funds through the preparation of false financial statements and backdoors.And banks face greater funding and reputational risk.Analysis of the risk occurrence area shows there is an increasing trend on the number of traditional counter business cases;the operational risks of new business and new products begin to appear;and the risk of bank counter operations is exposed to multiple trends.According to the analysis of the internal management methods of banks,as the increase in the non-performing rate affects the operating efficiency,the competitive pressure between the peers is increasing.To increase performance or personal interests,some employees take risks and break the legal and moral bottom line.And the number of cases involving bank personnel is also increasing.In this kind of internal and external environment,this paper uses the QD branch of Bank of China as research object(hereinafter referred to as"BoC")to find out the problems and shortcomings in the risk management of QD branch counter operation by in-depth analysis of typical cases and proposes the risk management of commercial bank counter operation.The countermeasures have certain practical significance for providing a certain theoretical basis for comprehensively improving the risk management capability of counters in China's commercial banks.Through literature review and theoretical analysis of domestic and foreign scholars,this paper defines the counter operation risk of commercial banks,and summarizes its five characteristics:endogeneity,dispersion diversity,high frequency repeatability.multiple hazards,and difficulty in metering.Combined with the current business management status of commercial banks in China,the counter operation risk is mainly reflected in the risks of personnel,process,system and external factors.Counter operation risk management should generally include four steps:operational risk identification,assessment,slow release and supervision reporting.In the process of managing the risk of the counter operation,there are three main tools used:Operational Risk and Control Assessment(RACA),Key Risk Indicator(KRI)and Loss Data Collection(LDC).The article also reviews the internal control theory.Although the internal control theory and the operational risk management theory have different connotations and focuses,the problems and fields involved are common to a considerable extent.Combining the internal control methods and commercial bank operation risk management,especially in the operational risk management of specific business lines,is of great significance for comprehensively improving the theory and application level of bank counter operation risk management.Using QD branch of BoC as research object,the article conducted the research using the normative research method,case study method and combines its management method of counter operation risk.Through specific case,an analysis has been done for QD branch's counter operational risk identification,measurement and evaluation.Furthermore,by combining the statistics of the recent two years' problem database,the author found that the main source of the BoC branch QD counter operational risk are as following.First,the personnel in the branch is oriented by branch person in charge,account managers and comprehensive counter.Second,in the process aspect,it is oriented by retail business,operations management and business processes.Third,the system and equipment are oriented by BANCS system,smart counters and ticket identification.Fourth is external events,mainly based on telecommunications fraud and bill fraud.In further analysis,there are additional four major problems in the risk management of counter operations in the QD branch of BoC.The system is not fully executed;the prevention and control process are not matched;the personnel management is not strict;and the credit guarantee needs to be improved.Based on proposing and analyzing the problems,this paper proposed the main measures for the risk control of counter operation of QD branches of BoC.The first action is to improve the risk management framework of counter operations;evaluation mechanism,to explore the implementation of operational risk management responsibility counter,counter further establish and improve operational risk management system;assist in the reform of counter operation risk management process,and strengthen economic capital constraints and performance.;secondly,through counter service sectors,internal control system,four incompatible positions and business management and monitoring system,etc.Standardization,comprehensively strengthen the standardization of internal control system for cabinet operation risk;thirdly,comprehensively implement and implement the counter-operation risk identification and measurement system,continuously improve and update various types of database operation risk database,and continuously explore and practice counter-operating risk measurement methods encourage innovation and research and development of information technology anti-fraud measures to counter business;fourthly,two"strengthen"that strengthen the cultivation of operational risk culture,strengthen develop operational risk awareness,in order to build a"no surprise"of operational risk culture.