Research On The Operational Risk Prevention And Control Of Counter Service Of Lanzhou Rural Commercial Bank

For a long time,the counter service of commercial bank has been the main window for providing various financial services and an important part of the banking business system.Accompany the continuous development and maturity of internet technology in recent years,internet finance has developed rapidly with counter service greatly impacted at the same time.However,there is a big blind spot in the accuracy of applications for big data collection and efficiency,meanwhile,the counter service is often based on the forefront services who can understand development situation and practical difficulties at the first time,so the counter service still plays an important and irreplaceable part of banking business and financial services.With the deepening of China’s financial system reform and the increasing of financial openness,various risks faced by commercial banks have become more information-based and complicated,the pressure on risk prevention and control has been continuously increasing.According to the analysis of financial risk cases at home and abroad,more than 80%of risk cases are related to the operational risk of counters services.From the perspective of the prevention and control of commercial bank risk,operational risk of counter service,the key to operational risk prevention and control of commercial bank,must be faced and resolved in the entire process of counter service and the field of risk prevention and control.Therefore,how to prevent and control the occurrence of operational risk of counter service effectively has been a topic to be studied from now to the future.This article takes operational risk prevention and control of Lanzhou Rural Commercial Bank’s counter service as an example.Firstly,it analyzes operation circumstance and risk prevention and control status,namely,the risk prevention and control system,institution,process and other aspects of Lanzhou Rural Commercial Bank’s counter service.By the means of questionnaires,the body investigates some issues about system,institution and processes and so on.Then the existing problems of operation risk prevention and control of its counter services will be analyzed,besides,point of risks will be identified one by one in order to find subjective and objective factors leading to operation risks.Further,a data model is established to make quantitative analysis.Last but not the least,this text will put forward relevant measures of risk prevention and control based on the analysis result and related theories.