Research On Operational Risk Management Of Over-the-counter Business In Commercial Banks

These years,with the growing prosperity of our China’s social economy,the function of commercial banks in the economic construction is increasingly strengthened,and the role played by it is more and more unsubstitutable.Commercial banks are responsible for providing banking products and credit services to the society.The cash services and enterprise financing of the banks are related to the harmonious development of social economy and individual families.However,with the increase of commercial bank deposit and loan business volume,the commercial bank operation risk is increasing,especially the operation risk with the business.The increase of processing capacity is gradually manifested by concealment.Therefore,it is particularly necessary to study the operational risk management of commercial banks.The warning and resolution of its risks are of great practical significance to the benign operation of banks’ daily business and the improvement of service quality.Counter service is an important place for commercial banks to provide products and services to customers.In the process of bank service to customers,there are operational risks due to the imperfect internal control system,operator fault,operating system failure,external events and other factors.It can be seen that the operational risk of counter business is common and an urgent problem that must be solved in bank risk management.Based on the reality of Z commercial bank,this paper describes the present situation of operational risk management of counter business in urban commercial bank,uses Del to illegally mine the operational risk index of counter business,evaluates the operational risk management of counter business of Z commercial bank by using income model and analytic hierarchy process,and reveals many problems in the risk management of counter business of Z commercial bank combined with twopractical operation cases and quantitative analysis.In view of the problems,this paper deeply analyzes the influencing factors affecting the operational risk control of counter business,and then faces the problems and their causes.Based on this,this paper puts forward some perfect countermeasures,hoping to borrow money for the practical operation of reducing the operational risk of counter business of commercial banks.Reference value and reference value.