Operational Risk On Account And Prevention Method In The Luo Yang Commercial Bank

18th CPC National Congress,the socialist market economy has been developing rapidly.Premier Li Keqiang has put forward higher requirements for the development of commercial banks.Credit risk has become the focus of attention in the financial industry.In recent years,the market economy has been active,the domestic economic situation is better,the business bank business is increasing,and the scale of the market is expanding,which is followed by the increase of operational risk.In order to better adapt to the change of Luoyang bank business,improve the operation efficiency of the Luoyang bank and reduce the risk of the operation of the front desk of Luoyang bank,we must strengthen the research depth on the operation risk of the front desk in Luoyang bank and improve the research level of the operation risk of the front desk.From the perspective of foreground operation risk,this paper analyzes the risk of Luoyang bank’s front desk operation.This paper is divided into six chapters,along with the idea of asking questions,analyzing problems and solving problems.The first chapter is the introduction part,which expounds the research background,theoretical significance and practical significance of this paper,and studies the relevant literature at home and abroad,and then puts forward the research content,research methods and innovation points of this paper.The second chapter is the analysis of the current situation and existing problems of Luoyang bank’s foreground operation risk management.First of all,the Bank of Luoyang is introduced,and the present situation of the risk management system of the front desk and the present situation of the operational risk of the front desk are analyzed,and the main problems in the risk management of the front desk operation of the Luoyang bank are revealed.The third chapter analyzes the causes of the risk of the bank operation in Luoyang,expounds the connotation of four types of risks,such as operating error type,subjective violation type,internal fraud type and external fraud type,and carries out data statistics and case analysis of the four types of risks respectively.The fourth chapter summarizes the experience of the commercial bank and the Construction Bank and other state-owned commercial banks in the management of the risk management of the front desk,and puts forward the experience of the business manager appointment,vertical risk management and so on for the operation risk management of the front desk in Luoyang bank.The fifth chapter puts forward the countermeasures to improve the risk management of the Luoyang bank’s front desk operation,such as the cultivation of the regulation cultureof the operation risk management,the updating of the risk management tools and methods for the operation of the front desk,the control of the operational risk from the information system level and the improvement of the risk management system of the front desk operation.It is hoped that this study can provide effective help for the risk control of Luoyang bank’s front office,and summarize the experience of city commercial banks.