Research On Operational Risk Management Of Counter Business In NS Bank

In recent years,cases caused by operational risk of counter business in domestic commercial banks emerge in an endless stream,as while the amount of money involved is also growing,which has brought a certain degree of negative impact and losses to the banks and clients.Weakness in operational risk management of counter business will have significant negative impact on commercial banks' reputation,and make the healthy and orderly development difficult.Therefore,operational risk management of counter business is one of the most important issues in domestic commercial banks at present stage.This article will begin with the reason choosing this subject,that the related specific cases and materials show the importance and urgency of improvement in operational risk management of counter business in China.And then the related theories at home and abroad are discussed,including the definition and classification of commercial banks' operational risks,operational risk management frame,theories about internal control,and the relationship between risk management and internal control.Based on the theories,the concept,classification and features of counter business operational risks in domestic commercial banks is concluded,and then take NS bank for example,risk identification in counter business is presented and the present status of risk management in counter business of domestic commercial banks is introduced.Considering present status and specific cases in NS bank,the flow charts and risk points of different types of counter service are summarized;and then the detailed analysis of the reasons why the specific risk points exists in NS bank are proposed.In the respect of basic business organizations in NS bank,the risk control methods directly against risk points and contributing factors are presented,as while as the countermeasures considering the operational risk management frame.