Researach On Legal Prevention Of Commercial Bank Couter's Operation Risk In China

As supporting the foundation of national economy, the construction of legal system of commercial Banks risk prevention has attracted more attention from society, government and financial institutions.Commercial bank operations, with the risk.The author studies the legal risk prevention and control mechanism of commercial bank counter operation, is the author thinks in the practical work is very important and is responsible for the risk.So how to effectively identify risk, control risk, reduce the number of cases of risk, especially from the legal system building, puts forward some practical and reasonable level of advice, is particularly urgent and important, no matter from theory and reality has a certain significance.Combining with the actual work experience, the methods of literature study, empirical research, in-depth analysis and research from several aspects, through deposits, settlement and payment business, bank card business, and other basic business of commercial bank in the actual operation situation, view and show our country commercial bank counter the current situation of operational risk prevention legal system. Analysis of the current our country commercial bank counter to the defects of operating risk prevention legal system,compared the main developed countries abroad advanced experience to prevent operational risks in commercial bank counter, the improving Suggestions from different aspects, solve our country commercial bank counter to the defects of operating risk prevention legal system.This article mainly includes five parts, the first part of the introduction, mainly describes the research background of the subject, including the legislative background and practical background, expound the practical significance and theoretical significance of the research, the specific research status at home and abroad. The first part is mainly about the background and the context of the research subject. From the beginning of the second part,the specific content of the article is entered into the paper, which is the function of the logical structure and the direction of the thought. The second part, mainly explains related concepts and the commercial bank risk prevention law of the historical process of counter operation, from the macroscopic Angle of operational risks in commercial bank counter in legal protection of the historical change, focus on credit risk management, in the 1980 s to 1990 s comprehensive risk management model, and then to the early 21st century risk prevention and control of financial derivatives, to find our country commercial bank counter operation risk problems of legal protection, laid a solid theoretical basis. The third part, the concrete analysis our country commercial bank counter representative counter the current situation of operational risk prevention legal system, to find out the existing problems. The fourth part, choose has the representative significance comparing the United States and Germany, in the end, a section comparison the similarities and differences, and summarized for reference and enlightenment in our country, for the fifth chapter puts forward solutions to lay the foundation. In the fifth part, the paper puts forward the concrete Suggestions to show the actual results of the research. Because of the lack of data and theoretical data of the author, most of the content from the practical experience, the expected conclusion may has certain operability and innovation points.