Research On Counter Operating Risk Management Of PS Bank L Branch

In 2004,Basel II took the lead in incorporating operational risk into the risk management framework.Together with market risk and credit risk,the operational risk are listed as the three major risks of bank operation and management.As can be seen from the recent year’s international and domestic financial cases,most of cases related with the market risks and credit risks are similar,but operational risk cases are different.In the future,operational risk will be an important factor to limit the overall development of commercial banks.Counter services is an important window for commercial banks to sell financial products and provide financial services to personal and corporate customers.Due to the man-made,concealed and uncertain characteristics of counter operations,and the vulnerability to internal procedural imperfections,human error,external events and other factors,counter operational risk management is an important component of operational risks that the commercial banks face.And it has a direct impact on the steady development of commercial banks.Therefore,it is of great practical significance to study the operational risk management of commercial banks.First of all,this paper analyzes the operational risk of commercial banks and the operational risk management of counter business in detail by analyzing and studying the definition,classification and operational risk of commercial banks,and the meaning,characteristics and manifestations of operational risk,the risk management process of risk management from the risk identification,risk assessment to risk control is clarified.Secondly,it summarizes the current situation of counter operating risk management of PS Bank L in recent years.Based on the questionnaire survey and in-depth interviews,we reveal the existing probelms of the counter business operational risk management.Furthermore,the operational risk points of L branch are identified,and the operational risk is analyzed qualitatively and quantitatively.Finally,this paper puts forward the corresponding control measures for the operational risks of PS Bank L branch from four aspects:bank personnel control,internal flow control,external event control and information system control.