M Commercial Bank Counter Operation Risk Management Problems And Countermeasures

After entering the era of Internet finance,the development environment of China's commercial banks has become more complicated.According to the "Special Report on Judicial Big Data of Financial Fraud in 2019" of the Supreme Law,in 2017,more than 11,000 new cases of financial fraud were received by national courts in 2018.More than 8,400 new cases were received,including various types of commercial banks across the country.Due to serious leaks in the bank's internal risk control system,these problems continued to occur.The bank's internal staff was tempted by money and quickly transferred the funds transferred from customers to the bank to other people's accounts.The occurrence of such cases not only caused huge losses to customer funds,but also greatly affected the reputation of the bank.Therefore,research on counter operation risks has always been a problem that commercial banks often face.Obviously,it is extremely important to study the counter operation risk of commercial banks.This article has conducted a detailed analysis and detailed research on various operational risk issues arising from the development of domestic and foreign commercial banks and various risk management challenges faced by the operation of the counter business,to understand the definition,characteristics,classification and countermeasures of operational risks of commercial banks Definition,characteristics and classification of business operation risks.On this basis,this article defines the bank's internal risk management and counter operation risk.Thirdly,this article selects M Commercial Bank as the research object,analyzes the counter operation process and risk management system of M Commercial Bank,and summarizes the counter operation risk issues of M Commercial Bank through its internal staff questionnaires and interviews.The problem involves the identification,management,enforcement,and internal control of counter operation risks.It also proposes countermeasures for the problem from the risk identification,management,execution,and internal control.Finally,in order to enable the countermeasures to be better implemented,certain protection measures are proposed for the counter operation risk management of M commercial banks,with a view to promoting better development of M commercial banks.This article analyzes the current situation of M Commercial Bank through relevant theories,questionnaires and interviews,and puts forward questions for the current situation,and formulates countermeasures for counter operation risks of M Commercial Bank to provide references for other banks in the industry.