Commercial Bank Counter Operational Risk Management Research

So far since the nineties,financial organizations are paying more and more attention to risk management due to the impact of operational risk which caused the great losses and even closing down of commercial banks at home and abroad.The study and practice of operational risk management in Chinese commercial bank emerged a little bit late compared with that of western countries,so the level of operational risk management is still at an initial stage in China.In recent years,the cases caused by operational risks has gradually increased.No matter small saving banks or major state-owned banks have all involved in the risk.For example,corruption and major fraud cases has resulted in great losses of the country,banks and individuals.In the process of daily work,commercial banks complete a series of business operation through counters.However,counter is the most dangerous platform that operational risks concentrate,spread widely and can be hardly controlled.Through analyzing the cases of commercial banks' operational risks in recent years,we could find out that the area that most cases occurred is accounting position which are mainly related to counter business.These cases have triggered tremendous reputation and economic losses of the country,customers,banks and employees working for financial organizations.The paper studies the typical cases of commercial banks' operation risks.The writer states the different features of various operational risks according to its classification.Meanwhile,the paper summarizes and concludes the documents at home and abroad,and applies the advanced risk control management concept to the practice of grass-roots work of banking business.The paper also provides solution measures targeting the relevant risk points based on the specific situation of counter business.In Chapter 1 and 2,the paper states the background,meaning,content and methods of the research,and reviewed the related theories at home and abroad.In Chapter 3,the paper makes a refined classification about commercial banks' counter operational risk points by referring Basel Agreement Operation Risk Classification Standards.The paper also sums up the characters of relative risk points and analyzes the causes of their formation by using case analysis method.In Chapter 4,the paper summarizes and concludes the detail problems when handling operational risks will encounter.In Chapter 5,the writer takes the domestic and foreign major banking supervision policies as reference,and proposed the specific precuationary measures for grass-roots networks counter based on their characteristics.In Chapter 6,the writer makes a summary.