Research On Operational Risk Management Of Counter Business Of C Agricultural And Commercial Bank

In recent years,when facing the operational risk of OTC business,Chinese commercial banks have steadily strengthened their management,improved the prevention mechanism,and actively learned the experience of prevention and control from the operational risk incidents of OTC business of foreign banks.However,experience and rules will always lag behind the development of reality.With the rise of Internet technology,the operational risk of commercial banks' counter business is becoming more advanced and hidden.With the continuous expansion of banking business,it is more and more difficult to control the operational risk.Counter business is the basis of all banking business,but it is the most likely to lead to operational risk in banking business.Moreover,the risk accidents,business disputes and litigation incidents caused by over-the-counter business not only frustrate banks in risk management,but also make banks suffer immeasurable financial losses,and bring negative impact on the reputation of commercial banks and even banking industry,which is not conducive to the development of banking business and the overall progress of the banking industry.Therefore,the effective prevention and control of operational risk has become a difficult problem before the operation of commercial banks.From the perspective of the actual situation of a rural commercial bank,this paper studies the counter business operation risk management system of an agricultural and commercial bank,analyses the characteristics of the risks in the counter business operation process of the agricultural and commercial bank,the existing risk management system of counter business and the existing problems in the existing system,and on this basis,puts forward the Countermeasures for improving the counter business operation risk management,in order to achieve the goal.The innovation of risk control and supervision can remedy the risk loopholes,reduce the probability of risk occurrence and reduce the unnecessary losses of banks through the risk management control system,and provide certain reference value for the construction and improvement of the risk prevention and control system of counter business.There are five chapters in this paper.The first chapter is the introduction,which explains the background,significance,content,current situation and methods of this study.The second chapter elaborates the basic theory of this paper,and then discusses the meaning and characteristics,classification and manifestation,causes and effects of the operational risk of counter business.Chapter 3 focuses on the analysis of the counter business risk management system of an agricultural and commercial bank.Firstly,it briefly introduces the organizational structure,personnel structure and business structure of an agricultural and commercial bank,and briefly describes its risk management organizational structure and current management system.Chapter IV focuses on the analysis of the characteristics of counter business operational risk and the existing problems in the management of operational risk of an agricultural and commercial bank.Chapter 5,on the basis of the previous article,puts forward six countermeasures for improving the counter business operation management of an agricultural and commercial bank,in order to improve the risk prevention and control system of an agricultural and commercial bank and enhance its competitiveness.