Research On Counter Operation Risk Management Of Nationalized Banks

In recent years,the operation risk cases of domestic and foreign Banks are frequent,especially the counter operation risk is the main source of risk cases.Due to the lack of attention from Banks and regulators,risk events caused by operational risks bring huge economic losses to customers and Banks,and even lead to bank failures.The research on counter operation risk in China started late.There are many problems in the risk management of counter operation in Banks,both in terms of management concept and management means.Therefore,how to effectively control the risk of counter operation is the primary problem that Banks consider.This paper analyzes the existing problems in the risk management of the counter business operation of Y bank B branch,and proposes targeted improvement measures to minimize the risk of the counter business operation of Y bank B branch.This paper mainly USES the methods of literature review,case study and questionnaire survey to analyze and study.Firstly introduces the counter business of Banks operating risk management research at home and abroad of the status quo,secondly introduces the relevant theories of operational risks in bank counter,including the definition of operational risk and thus lead to counter the concept,classification and characteristics of operational risk and forms,based on the counter of Y bank B branch business risk point summary of classification,combined with the actual situation of Y bank B branch from the personnel management does not reach the designated position,imperfect system process,the three aspects of the regulatory system is not sound 11 problem,summarizes the Y bank B counter problems of operational risk management,At last,14 specific measures are put forward from the aspects of personnel management,system process optimization,supervision system construction and compliance culture construction for Y bank B branch to prevent the operational risks of counter business.This article is the author from Y bank B counter management experience for many years,in the study of counter in operational risk management,the purpose is to expect to improve Y bank B counter business operation risk management level,effective prevention and control of Y bank B counter operation risk,provides certain reference for practice,enrich the existing management research.Due to the opacity of the risk information leakage of domestic Banks,the concealment of many risk events and the difficulty in collecting and sorting out various information,there are limitations in the research.