Study On The Compliance Management Of Commercial Bank Counter Service

For commercial banks,the counter service is the direct window the vast number of customers outside,and it is the direct experience for customer to communicate with the bank.Moreover,the counter service is the most direct way to establish a good image of the bank to customer.As a financial institution,commercial bank is a social organization for monetary and financial assets of the business.And commercial bank has the potential risk factors of itself,especially for the counter business.The risk factors are mostly involved in all business links.As long as the mistakes appear in anyone aspects,the loss will be led the mistakes.In recent years,the cases of risk problem in bank counter business,so the compliance management for bank counter service is becoming more and more important.The major commercial banks have already developed the compliance management system for the counter business,and the compliance department was set up for the counter business and other business management.Due to the development of compliance management in China's research started late,more research are needed for the counter business of commercial bank compliance management from different angles.In this thesis,on the basis of analyzing literatures about commercial banking operational risk and compliance management review in domestic and foreign,the related concepts and theory are overviewed.Secondly,taking the Agricultural Bank of A as an example,the status of bank counter business compliance management are analyzed,and on this basis that the problems of bank counter business compliance management are proposed,including normative supervision and inspection work,insufficient implementation of business processes need to be improved,the counter staff professional ability needs to be improved,the rules behind the update the business development needs and counter staff management is not scientific.Finally,the foreign commercial bank compliance management experiences are understood through two aspects of the European bank and Bank of America;through the case of Shanghai branch of Chongming branch of Jingtang Port and Tangshan branch risk case,domestic commercial bank compliance management experience are analyzed,and the strategies of strengthen the counter business of commercial bank compliance management strategies are put forward,including strengthening the compliance management ideology,optimization rules and regulations;strengthen the supervision and management,strictly control the risk;strengthen the counter business personnel compliance management;strengthen the counter service personnel check-up system optimization and internalization and sublimation of compliance culture.