Study On Research On Counter Operation Risk Of M Commercial Bank

With the highly growing of China's GDP,the economic development has entered a new era in recent years.The time of commercial bank's high profits has become a thing of the past.The new development environment of the commercial banks become more complicated.Especially under the impact of Internet finance.commercial banks are facing particularly severe risks now.In 2017,there were more than 20 cases of financial fraud involving more than 4 billion RMB,including various types of commercial banks across the coutry.Through the fraud cases we can find that most of them are caused by the external and internal collusion.And the main reasons are that banks loopholes in internal control system,the bank employee driven by the benefits and moving the depositors' money to other accounts.The development of lexical cases caused huge capital losses to both banks and depositors,and brought great bad effects to banks.For a long time,the Credit risk,loan and market risk of the bank have been studied more,but the operation risk of the counter has been paid less attention,especially the research quantity of the bank counter operation risk is more limited.The corresponding research of bank counter operation risk need to be improved.The paper studies the risk prevention and control of M commercial bank's counter operations by means of literature analysis and case analysis to select M commercial bank as the reserch object.This paper takes the status quo of counter operation of M commercial bank as the starting point of the study,combines with relevant principles of bank counter operation risk,and analyzes deeply the risk manifestation of actual operation in bank counter.The paper take M bank as an example to analyze the problems of counter operation risk management in commercial Banks,which manifest in human resource management failure,business process management system building lags behind,business management orientation problems.Finally,according to the risk factors in M commercial bank counter operation,combined with the practice,the paper puts forward some reasonable suggestions on the next step of risk prevention and control,which is to build counter operation risk defense line by strengthen system construction strengthening human resources management,use scientific and technological means as well as keep a people centred perspective,and Specific optimization strategiesare proposed at each level.The paper aims to helpful for the Risk control of counter operation in commercial Banks,strengthens the M commercial bank counter operation risk control ability and to promote the development of China's commercial Banks in a better direction.