Research On The Operation Risk Control Of Z Branch Of China CITIC Bank

Under the new economic normal,downward pressure on the real economy has been steadily increasing.External instability factors such as illegal fund-raising and non-government loans,as well as risks of uncertainty,have also started to be transmitted to China's commercial banks and continue to impinge on the normal operation of the traditional banking industry.With the marketization of currency reform,the banking industry is also facing more and more intense competition from the same industry.As an important subject of the money market,due to the imperfect internal control management system and the strict implementation of the system,banks also make the banking risk cases more frequent Exposed,such as loan fraud,bills cases,staff participation in private lending and illegal fund-raising cases,not only frequent cases,but also involved a large amount of money involved more people,resulting in a huge loss of reputation to the bank.At the same time,almost all commercial operations and business processes are related to accounting.Bank operations are also inseparable from accounting operations.Therefore,it is particularly important that the overall prevention and control of accounting business operations and risks should be taken into account.Obviously,in the fierce market competition,if China's banking industry wants to achieve long-term stable development,it must conduct in-depth and effective prevention and control over the operational risk control of accounting business.Based on the analysis of the status quo and causes of operational risk control of China CITIC Bank Z branch accounting business,through the level of scientific analysis methods of operational risk of China CITIC Bank Z branch accounting business to conduct a comprehensive evaluation,and puts forward the countermeasures and suggestions of the prevention and control of the actual.The current control method and the main measures are: Accounting Manager accounting appointment system,inspection system,on-line concentrated system,remote monitoring and operation authorization,post supervision,bank reconciliations centralized management and outsourcing,the anti money laundering branch processing mode reform module.The evaluation results of AHP show that the top row of accounting operation risk is three categories: account management risk,cash deposit risk and accounting risk.The main reason is irrational staffing.There is no accounting business operation risk control environment,business goods and customer data are not well preserved.Finally,aiming at the evaluation results and existing problems,this paper puts forward the Countermeasures for risk management of account management in Z branch of CITIC Bank,countermeasures against accounting risks and precautions against bills,cashing and issuing risks.