Research On Bank Counter Operational Risk Management Of City Commercial Banks

Because it took the risks and dealt with the risks it borne,banks can gain profits and flourish.To some extent,the bank’s profits are derived from risks.Successful commercial banks often profit from financial markets through their good risk-handling capabilities.As a business system which provides services directly to customers in the bank,the business of bank counter is the basis of various business of commercial banks,and also the fundamental of bank management and existence.Domestic and foreign commercial banks have consistently conducted in-depth studies on the various risks of the business of bank counter.Compared with large state-owned banks and joint-stock commercial banks,the city commercial banks are small overall capital,weak capital,and poor R&D capability.However,the current city commercial banking business still focuses mainly on network point of operation and offline business.Therefore,the ability of business of bank counter risk management directly determines its profitability.The author worked for many years in the operation and management position of a city commercial bank,and always believed that the business of bank counter operation risk management is still the top priority of the current city commercial bank risk management.Based on the basic theories of the concept,classification,and characteristics of the business of bank counter operations related national laws and regulations,accounting system regulations and business of bank counter operation risks,this paper summarizes and analyzes the causes of the operational risks of the city commercial banks’ Business of bank counter.Through the analysis of domestic and foreign commercial banks operational risk foreground actual cases,combined with bank operational risk analysis of internal control system,according to the actual city commercial bank counter management system,and ultimately proposed management strategies of city commercial banks foreground operational risk.Management measures include building and improving business of bank counter operation risk management systems and strengthening the foreground business operation risk management foundation.