Research On Operational Risk Control Of Counters In The HS Branch Of Zhongyuan Bank

In the process of commercial bank's daily management,the identification,evaluation,control and resolution of operational risk has been accompanied by the whole process of development.Operational risk is one of the many risks that commercial banks face in their daily management,which is different from commercial banks' credit risk,interest rate risk and so on.The prevention and control of operational risk is a commercial bank in the course of its daily management can not escape.For a long time,domestic enterprises mainly rely on bank credit financing.Therefore,the main risk of the financial circles that most of China's commercial banks face is credit risk,and operational risk,especially the lack of counter operational risk of commercial banks,especially the lack of theoretical system from the basic business process in detail focused argument.Especially in the field of small and medium commercial banks in China,this problem is particularly prominent.Therefore,this paper selects the small and medium-sized commercial banks,ZHONGYUAN BANK as the research object,to analyze the prevention and control of counter operational risk of small and medium-sized commercial banks,which will have certain theoretical and practical significance to solve these problems.Based on the background of the system,the relevant literature and theory,analyzes the definition,characteristic and forms of counter operational risk of commercial banks,and related documents,the internal control theory development at home and abroad,discusses the related commercial banking operations risk and internal control,and on the basis of this analysis effect of four kinds of factors counter operational risk of commercial banks in China.The case study of ZHONGYUAN BANK HS branch behavior,analyzes and summarizes the current situation and problems of the prevention and control of operational risk,according to the existing problems are analyzed,finally puts forward the corresponding suggestions on strengthening the prevention and control of operational risk in small and medium sized commercial bank counter service.According to the analysis of the HS branch of ZHONGYUAN BANK case,this paper found that the central bank HS branch mainly has the following three problems in the counter business operational risk control:(1)The management risk control consciousness is weak;(2)The counter staff quality is not high;(3)Internal control system implementation is not in place.According to the existing operation risk prevention and control of the HS branch of ZHONGYUAN BANK,this paper puts forward the countermeasures and suggestions for risk prevention and control of small and medium-sized counter business of commercial banks:(1)To strengthen the construction of the internal control environment,focusing on cultivating a culture of compliance;(2)Improve internal control measures and improve the execution;(3)Internal control evaluation,innovation risk identification and assessment methods;(4)To improve the timeliness and effectiveness of communication,smooth information report path;(5)Play a preventive role of inside and outside the Ministry of supervision to counter the risk of business operation;(6)Establish and improve operational risk response system.