Commercial Bank Counter Operation Risk And Prevention Research

In recent years,the risk events caused by counter operations by domestic and foreign commercial banks have increased significantly,bringing huge financial losses to banks and customers.A commercial bank in Shandong Province,on the basis of persisting in the scale of banking development and overall efficiency,continuously pursued the minimization of operational risks in bank counter business and strengthened internal control.However,due to the influence of external environment and internal factors,A commercial bank also exposed some counter-operation risk events,which affected the healthy development of its business and the normal operation of the system,resulting in a bad social impact.The Nineteenth National Congress of the Communist Party of China clearly put forward the requirement of“holding the bottom line of not taking systemic financial risks”.The domestic banking supervisory authorities fully strengthened bank risk supervision.Therefore,Bank A's strengthening of counter operations risk management is both an external regulatory requirement and an internal one.Business development needs.This article analyzes the causes of A bank's counter operations risks and proposes relevant solutions to achieve the purpose of helping Bank A reduce counter operations risk to a minimum.This article mainly uses the literature review,type research,case studies,quantitative analysis and other methods for analysis.Firstly,we reviewed domestic and international research on commercial bank counter-operational risk,and then introduced the theory of counter-top operation risk.Through the definition of operational risk,we derived the concept of counter-top operation risk from personnel,processes,systems,and external events.This aspect classifies them and describes the main manifestations of counter operation risk in the form of real cases,summing up the characteristics of countertop operation risk diversity,universality,repetitiveness,harm,and incomprehensibility.This paper takes bank A as a research sample,collates relevant cases and data of Bank A in recent years,and conducts quantitative analysis to obtain the basic situation of A bank's counter operation risk management,and focuses on analyzing the 9 major types of risk performance in personnel,processes,and external events.According to the results of the sample analysis,the main causes of the bank's counter operations risk were summarized,including management thinking,imperfect supervision system,inadequate personnel management,and imperfect systems and processes.According to the four causes,targeted supervision system construction,personnel management,system flow optimization,and compliance culture construction this article puts forward specific measures for Bank A to strengthen the counter operations risk management.Among them,all of the reorientation of provincial-city-county three-level supervision center functions,the formulation of incentive measures in personnel management,the integration of countermeasures in the system and process optimization,and the compliance assessments of organizations,agencies,and businesses in compliance culture construction measures have strong practicability and forward-lookingness.They also have practical significance for other commercial banks in controlling counter operations risks.The disclosure of domestic banking risk information was not transparent.Many risk events were not reported,and it was difficult to collect and sort all data.In research,it is inevitable that there are limitations and one-sidedness.