The Counter Operational Risk Management Analysis For China Construction Bank

For a long time, the domestic and foreign commercial banks have experienced huge losses caused by operational risk. Bank failures and even caused irreparable damage, that makes the commercial banks pay more and more attention to the operational risk management. In the long history of the banking industry, as with the western developed countries, Chinese commercial banks didn't pay attention to operational risk enough, especially the theory of the operational risk management research and practice started late, both of the risk management theory and management practice, all of the commercial banks have some problems in operational risk management. In recent years, the operating risk of the Chinese commercial banks showed a rising trend, some state-owned commercial banks also have taken place in a number of major malicious fraud and corruption cases, involving an amount of over a hundred million, to customers, to banks, and even to the state property, this will bring huge losses. We could see that the operational risk has been a threat to the healthy development of the Chinese banks.The counter service is the basic platform of commercial bank, that is a commercial bank's daily operations, the most basic, the most widely, the greatest impact, the most complex operations. The operational risk of the counter is the most concentrated, the most widely spread. It is difficult to control. In the past cases of the commercial banks operation risks take place in the field of accounting mostly, that deal with counter business. Practice had proved that the failure of the management of the counter business operation risk did great damage to the management and income and reputation of the commercial bank. Control of the operational risk has become the core of the counter operations management.Thesis from the commercial bank operational risk background, through the relevant cases and data explains the importance of the commercial banks counter operational risk management. The study on management of operational risk give some materials to the definition and classification of the operational risk. For example, China Construction Bank explains the concept, the characteristics, the classification and the manifestations of counter operational risk. Combined with the actual work, summed up the organization form and the existing methods of risk management in China Construction Bank, and summarized the deep causes of counter operational risk. The one is the risk consciousness is weak. The two is the moral risk of the teller. The three is the unreasonable rewards and punishment. The four is the information asymmetry between the banks and the customers. The five is the internal control mechanism of the implementation is not in place. The six is the system factor. The seven is the external fraud. At last thesis puts forward reasonable suggestions: strengthen risk awareness, improve the performance appraisal, to strengthen the system of executive power, the establishment of information management system, improve the internal control system.