M Bank XC Branch Counter Business Risk Management Research

With the marketization of interest rate, financial disintermediation, the deepening of the mixed management, bank no longer is the place that deposits and withdrawals can only deal with simply before, today's bank is deposits, withdrawals, transfers, financial management, investment and financing, providing customers with comprehensive financial services. Banks from a collection, provider of funds, has become a trading platform. Because there is rapid change, competition in the industry, makes the earth-shaking changes in banking counter business. For commercial Banks, credit risk, market risk, operation risk and solvency risk is universal. But with the constant innovation of business process, counter staff, responsibility of continuous rotation, the continuous application of new business, new system, unstable external financial environment changes, these factors make bank operation risk, especially the ones operating risk problem is particularly prominent.This article begin from understanding the current bank counter in the risk management system, using the method of investigations, literature retrieval method, the theoretical analysis and practice verification method, from the perspective of theory and practice, analyses the phenomenon and the new risks to show the reasons, the design for the new improvement project of risk management, risk problem and establish the risk management improvement plan of the implementation of the measures and safeguard measures, to ensure that risk management improvement program counter of the existing business risk control has the certain positive role, at the same time build up a system of continuously perfect risk management improvement plan, ensure the risk problem in the counter business can timely solve, ensure that commercial Banks can be safely and stably running at a high speed.