Study On Risk Management Of Counter - Operation Of Rural Credit Cooperatives In Lan County, Shanxi Province

Research on Management of Counter Business Operational Risk of Rural credit cooperatives, LanxianNew Basel officially proposed the concept of operational risk in 2004. Themarket risk, credit risk and operational risk was regarded as the basic risk of bank.Recent domestic and international financial cases also alert us, the operation of the commercial bank risk prevention and control situation is not optimistic, the consequences are not to be reckoned with, and the bank itself and regulators attach great importance. For now, market risk and credit risk the bank faces is similar, but operational risks are very different. The quality of operational risk management will become the comprehensive development restriction factor for the future banking industry, and also will become the main direction of bank risk management.Counter business is the foundation of bank business. Counter business operational risk is an important part of the commercial banks operational risk management. The modern commercial bank counter is the place that provides financial products and services to the customers. With the continuous improvement of science and technology level and material civilization, the counter is faced with all kinds of operational risks in the operation of the business. Study on counter business operation risk is necessary two aspects. Firstly, it is able to effectively identify the bank counter loopholes in management of business risks and the various problems arising; secondly, through the analysis of the problem, explore effective solution.Firstly, dissertation introduces the writing background, significance, research methods and content. Secondly dissertation introduces the connotation, characteristics and forms of operational risks and counter business operational risk. Together with the present situation of Changchun branch, summarize its present situation and problems of counter business operational risk and identify the counter business operational risk. Finally, improve the countermeasures bank counter in Changchun branch business operation risk management countermeasures from four aspects and IV strengthen counter operational risk management. The dissertation provides a guideline for an effective solution to the Changchun branch counter operational risk management status, and also provides a reference for reference of upcoming full-feasibility operational risk management system for the Changchun Branch.