| In order to practice the concept of inclusive finance,China has established a new type of rural financial institution,rural bank,which has become the main force of financial poverty alleviation and rural revitalization.At present,the level of rural development is still quite backward compared with that of cities.Compared with urban commercial banks,the market system of rural banks is still not perfect,and their financing ability is weak,hematopoiesis ability is weak,and operation cost is high.There are some defects in the operation system and risk management system of rural banks,which further highlights the weakness of rural banks’ ability to resist risks.The operational risk of counter business is a common risk in the operation and development of rural banks,which brings various losses.This thesis will take Minfeng Rural Bank in Fengxian County,Jiangsu Province(hereinafter referred to as MF Bank)as the research object,focusing on the issue of operational risk management.Firstly,this thesis defines the concept of operational risk through the analysis of relevant literature at home and abroad.Village bank operation risk than the city commercial bank has a wide range,the benefits and risks disproportionate and measurement difficult,therefore,the aim of village Banks operating risk management is based on the comprehensive identification and quantitative risk,take positive and effective control measures,will bring the operation risk for counter business to deal with the possibility of reducing,To control various operational risks within an acceptable range and ensure the normal development of its business and the legitimacy of its operations.Secondly,this thesis introduces the development status of MF bank’s counter business,including personnel positions,brief introduction of counter business,daily work flow and background operation specifications,and analyzes the current situation of MF counter operation risk management.Based on the existing internal and external data analysis and questionnaire survey,the main problems and causes of MF bank are analyzed.Finally,in view of the problems and causes of MF bank counter operation risks,this thesis puts forward four improvement schemes.In order to guarantee the implementation of the above improvement scheme,this thesis proposes that MF Bank should improve the execution of risk identification system,improve the technological management level of operational risk pre-control,pay close attention to the key link of operational risk control,and effectively promote the construction of operational risk files of counter business.The above safeguards not only help banks to carry out comprehensive and efficient operational risk management,so as to promote the steady development of their counter business,but also lay a solid foundation for the financial services and construction of agriculture,rural areas and farmers.There are 4 figures,12 tables and 86 references in this thesis... |
