Study On Operation Risk Management Of Accounting Operation Of HS Bank

With constantly promoting the process of financial globalization,the expansion of the banking business scope,operation and the increasing of product variety,all kinds of complicated trading tools and financial products appear on the market,and has been widely applied,the banking sector won the high profits,but also faced with the increasingly complex financial risks at the same time,It is not uncommon for Banks to suffer losses due to the misuse of new technologies and tools.In recent years,more and more operational risk incidents have been exposed in China.For example,in 2006,China unionpay national inter-bank transaction terminal was suspended for 6 hours due to the system failure.Luzhou laojiao's deposit of 150 million yuan in the industrial and commercial bank of China has been stolen.These risk events not only brought huge losses to the Banks,but also caused untold damage to the bank's reputation.The frequent operational risk events have made people gradually realize that the operational risk of accounting operation is a great threat to China's banking industry.In recent years,there have been more and more bank risk events caused by operational risk and huge amounts of money involved.If they are still not valued and managed,they will inevitably cause more damage to commercial banks and restrict their healthy and orderly development.As the foundation and core of operational risk management in commercial banks,the management of operational risk in accounting operations must be given sufficient attention by managers and regulators.However,because of its hidden,dispersive and intractable operational risk,operational risk is always at a great risk due to "human factors" and the supervision is always more difficult.However,once losses are caused by operational risks and the losses are huge,Commercial banks must regard the prevention,control and supervision of operational risk as an important part of business management.As the management system of domestic commercial banks is different from the international business environment and the increasingly complex international financial environment they face,it is necessary to find an operational risk management theory that can adapt to the development of domestic commercial banks.As the basic link of commercial bank operation,operating business provides customers with basic accounting and liquidation services,facing customers and providing high quality and efficient services,which are the foundation of bank's normal operation.However,it is not uncommon for loss-taking events arising from operational risk in everyday business operations.Based on HS bank as an example,this paper analyzes the HS bank operating business management problems in accounting major,unreasonable staff management:pay attention to the management of the general staff,the management of the management staff to strengthen,operating line staff appraisal mechanism imperfect,rewards and punishment is wrong;Management risk management consciousness is not strong;In terms of system and process construction,the operational risk management of accounting operation is delayed,and the operability of system and process design needs to be strengthened.The system lacks risk control ability;The enforcement of relevant systems needs to be strengthened;In the absence of a perfect risk system,employees' ability to review and identify external customers needs to be improved.Moreover,it can identify and measure the operational risk of the accounting operation of the HS bank,and conclude that the operation error of the staff is the main operational risk.Thus to put forward the improvement Suggestions targeted:cultivate a good compliance culture,strengthening the study of Taiwan before and after the employee related rules and regulations,build an efficacious achievements assess and exctation machine-made,expedite the construction of hoisting system optimization,etc.