Research On Counter Business Operation Risk Management Of Fuxing Bank Of Jilin Branch

The risks faced by the banking industry are everywhere.In Basel ii,risks are divided into market risks,credit risks and operational risks,which are also the three most common risks faced by the banking industry.In recent years,there have been frequent cases of violation of operational risk in the banking industry,and the losses caused have even exceeded the market risk and credit risk.Therefore,the effective prevention of operational risk is facing enormous pressure and challenges.Counter service is a key link in the process of bank operations,it is a direct contact with the customer's first line of the window,at the same time also is a final barrier outflows in all business chain,but also cause the main link of operational risk,as the banking products constantly enrich,counter business also increases,and increasing operating process complexity,operation risk appearing in all kinds of daily business process.Therefore,the research on counter operation risk management in the banking industry and the summary of effective risk management and prevention and control measures will be the guarantee basis for the stable and sustainable development of the banking industry and an important condition for the rapid development of the financial industry.This paper adopts literature review method,case analysis method and risk comprehensive evaluation method to study counter operational risk management.First,it studies relevant operational risk management theories of domestic and foreign scholars,and summarizes the research experience of domestic and foreign scholars on operational risk management.Secondly combining the risk management related theory,on the one hand,summarizes the definition of operational risk and the classification of bank counter operation risk in our country,including people's own risk,system risk,the internal control risk and external risk factors,on the other hand try to induce the internal control theory,a comprehensive risk management theory,and the theory of corporate governance theory Angle of view to counter operation risk management and control method;Combining specific situation in China's banking industry is analyzed,with the bank of Renaissance,jilin province as an example,its business is characterized by were brought to the business,business varieties,volumes of business,large business involves the amount on every deal,etc.,so each have an operational risk will be faced with huge losses,and may even bring reputation risk,the consequences is very serious.Combined with Renaissance bank branch of jilin province has happened in operation risk,through risk identification,risk evaluation and risk analysis and countermeasures study four stages,a summary of the causes of operational risk,including internal control system,system construction,three aspects of employees' comprehensive quality,and finally combined with the actual,put forward a set of suitable to revive the bank counter in jilin province branch operation risk response plan,formulate relevant to perfect the internal control system,strengthening the system construction,improve the personnel management and a series of prevention and control measures,through the measures to prevent further counter operation risk,management and development in order to maintain compliance.