Research On Risk Management Of Grass-roots Bank Counter Operation Under The Transformation Situation Of Commercial Bank Outlets

Commercial banks are not only an important component of the financial market,but also the basic guarantee industry of economic development.The smooth operation of banks is crucial to the smooth operation of society and the steady development of economy,and the counter operation risk is an important part of the bank’s risk composition.Under the general trend of the transformation of commercial bank Outlets,if commercial banks ignore the risk management of counter operation,it will not only cause the loss of bank customers,but also have a great impact on the stable and healthy development of banks.Taking the grass-roots branch of a bank as an example,studying the bank’s counter operational risk is of great significance for preventing and resolving the risk.Firstly,this paper understands the basic status quo of bank A ’s counter operating risk according to the investigation.Through the study,it is found that there are the following problems in the risk management of Bank A’s counter operation: insufficient risk awareness,incomplete internal control system,incomplete system technology,and unstable operation personnel.Secondly,using analytic hierarchy process(AHP)to construct the evaluation index system of counter operation risk of commercial banks,the index system includes four secondary indicators of counter personnel,management personnel,system setting and internal control,and 17 tertiary indicators.The analytic hierarchy process was used to determine the index weight,and at the same time the fuzzy analysis method was used to analyze the operational risk management level.Finally,the final result of Bank A’s current operational risk evaluation was 79.6316 points,which was at the basically ideal stage.Finally,optimization countermeasures are proposed according to the situation of Bank A.First,strengthen the sense of responsibility and enhance the training of the staff;Second,optimize the bank business process management and improve the level of internal control;Third,build a complete bank information technology system;Fourth,we should improve the standard and accountability system of incentive assessment.Through the optimization of these four aspects,the counter risk situation of Bank A can be effectively improved.