Research On Improvement Of Risk Management Of BH Bank Counter Operation

Commercial banks rely on the overall development of the financial industry.Their business models have changed over the long term,but they are inseparable.Their core business is still essentially the control of capital operations and risks.Among the two,Risk management is the most important.It is the prerequisite and foundation for the development of most of the business of commercial banks.It has also become one of the key concerns of financial regulators,commercial banks and bank customers in recent years.In the risk management of commercial banks,the management of counter operation risks is the top priority of operational risk management.With a large number of counter operation risk cases repeatedly occurring in recent years and entering the public view,how to effectively avoid counter operation risks has become domestic One of the key topics actively explored by commercial banksThe author selects BH Bank as the research object,and uses the literature reading method,case analysis method,field investigation method and experience summary method,and mainly discusses it through three parts.The first part gives a general description of the research background and research purpose of this article,summarizes the comparison and analysis of the research status in this field at home and abroad,and introduces the theoretical basis related to counter operation risks.The second part introduces the basic situation of BH Bank and the current status of the counter business development.Through analysis of the BH Bank’s counter supervision and inspection and post-monitoring and early warning in 2019,combined with the actual cases of BH Bank counters in recent years,Frequently issued risk points,summarizing the causes of counter business operation risks.The third part puts forward measures and suggestions for the causes of BH bank’s counter business operation risk,and puts forward specific improvement countermeasures through the counter business operation system,risk monitoring system,personnel team construction,and risk culture constructionThis paper studies the risk management of BH banks’ counter operations,with the purpose of improving the level of risk management of BH banks’ counter operations,effectively controlling the risk of counter operations,and providing recommendations for the construction of BH banks’operational risk management system,thereby effectively reducing outlets The occurrence of counter operation risk cases to achieve the purpose of safeguarding the interests of banks and social credibility.At the same time,I also hope to enrich domestic research on counter operation risk management and help domestic commercial banks develop steadily.