The Study On The Moral Risk Of The Bank Teller

To prevent moral hazard has been extremely focused on the bank teller problem. There are two types of moral hazard, one is the distortion of values, there is a subjective consciousness; the other is the correct value orientation is not firm, easy to be affected by the outside world. The management and operation of the bank can not be separated from the efforts of every employee, good professional ethics and self-cultivation is the cornerstone of the growth of employees. Bank counter service covers a wide range, a large amount of business, the operation process is more complex, resulting in the possibility of a greater risk of banking operations. For bank teller moral problems arising from factors and the harm caused by is unpredictable, so the moral hazard of bank teller is a long-standing problem. This paper on how to improve the bank teller’s moral cultivation, strengthen the ability to control and reduce moral hazard, strengthen risk prevention, and how to adapt to the development banks that issue of research and analysis.In this paper, with some typical bank teller moral hazard case material has carried on the analysis, master the main information of the case, and in a scientific and objective point of view of moral hazard of bank teller exist which make specific decomposition problem to combine the actual situation of the market and put forward the related proposal.This article is divided into four parts. The first part is the introduction, which mainly introduces the background of the thesis. In the purpose of the study is to simply expounds the basic content of the bank teller moral risk prevention, and moral importance to the bank teller. Through the analysis of the present situation of domestic and foreign research, it highlights the prospect and importance of moral education. Emphasize the education of moral risk of bank teller is enterprise essential factors of an important part, also is the enterprise management and operation. At the same time, this article uses the case study method to relate the innovation and the deficiency of the article.In the second part, the basic concept definition on the concept of morality, moral hazard, financial professional ethics, bank teller operational risk are discussed in detail in this paperThe third part is the moral hazard of bank teller case analysis, through the analysis of some typical cases, analysis of the temptation, fatigue strength weakened, drawbacks of the profession itself and the banking supervision mechanism imperfect factors, leading to the bank teller moral risk in the dangerous edge. Through the detailed analysis of the case, the corresponding solutions and improvement methods are proposed according to the information of different cases.The fourth part is to guard against the risk of moral hazard of bank staff, through two aspects to strengthen the prevention of moral hazard. One is to strengthen the staff’s moral construction, enhance the employee’s moral consciousness. The bank should pay attention to the implementation of moral education of employees, with professional norms, strict responsibility ethics constraints, better to reduce risk; second is to improve the banking system through the perfect management mechanism and the personnel management system, so as to better manage bank staff thought dynamic and improve the ability to control, reduce the occurrence of employees’ moral hazard.