Counter Operational Risk Management Of Electronic Banking Of NY Bank

With the rapid development of information science and technology today,the labor cost has increased rapidly.Commercial banks have also followed the trend of the times to rapidly develop e-banking business.As the coverage of e-banking services expands and the speed of development increases,it is greatly improved.The efficiency of the bank's services.People gradually accepted the convenience brought by e-banking,and the business center of commercial banks shifted to e-banking.The urgency and necessity of preventing the risk of e-banking business are becoming more and more prominent,so it is more meaningful and valuable to study the risks management of e-banking.According to the survey,the number,scale and scope of risks events of NY Bank's e-banking business have been expanding year by year,and the risk management level of e-banking business needs to be improved.So both the theory of demand and necessary need for the NY bank counter electronic banking operational risk management.Based on Basel's bank risk theory,risk management theory and internal control theory,this paper uses literature research,case analysis and theory to connect with practice,and also refers to the research on the risks management of counter-operating operation of electronic banking business by domestic and foreign experts and scholars.The results and the banking industry regulators' risks management system for e-banking business,taking NY Bank as an example,through the development of NY Bank e-banking business,the status of counter operation risks management,proposed that the bank in e-banking.There are several major problems in the risk management of counter operations in the business,and then analyze the causes of the problems,and propose countermeasures to optimize the risks management of the counter operation of the bank's e-banking business.First of all,from the perspective of theory analysis and expounds the basic theory of electronic banking counter operation risks,and introduces the risk of the meanings,characteristics and classification.Counter operation risk is one of the oldest risk,which caused serious economic losses of many financial institutions around the world.The counter operation risk control becomes very important for the electronic banking business now.For example of NY electronic Bank,introduces the NY bank electronic banking business,the development of business,the classification of business and the accept process of electronic banking counter.Through the NY bank counter electronic banking business operation risk management mode and the analysis of the risk management process,and then expounds the problems of NY bank counter electronic banking business operation risk management,Mainly includes:(1)Weakness of risk management execution by junior level employees;(2)Incompleteness of relevant system framework and insufficient identification of bilateral responsibilities;(3)Imperfection of risk management system;(4)Weakness in operating system maintenance.Then,on this basis to analyze the causes of problems in NY Bank's e-banking counter operation risk management,mainly has the following aspects:Self-management management model leads to low internal control constraints;Backwardness in risk analysis tools leads to risks identification not in time;The imperfection in the authorization and approval system;Backwardness in Mechanism for identifying,collecting,processing,and delivering information;The organization is too large,resulting in inadequate supervision and rectification.At last,analyzed the reason of problems,get the optimization of the risk management of NY bank's electronic banking counter operation:(1)Improvement of the internal control environment,Mainly includes: Strengthen the operation risk management framework;Strengthen the employee awareness of operational risk prevention;Enhance the employees' professional ethics.(2)Strengthen the operational risk identification,Mainly includes: Strengthen the ability of identifying operational risk;Establish a counter operation risk monitoring system;Optimize the operational risk assessment system.(3)Improve the authorization approval process,Mainly includes: Establish a complete business authorization process;Strengthen pre-approval and in-process control;Identify the business operations authority of the supervisor.(4)Strengthen the development of information technology in operational risk management,Mainly includes: Establishing a rapid and effective information feedback mechanism using computer data management technology;Establish and improve internal communication and external communication mechanisms;Establish a comprehensive information sharing platform.(5)Improve monitoring system to continuously and effectively supervise banks,Mainly includes: Establish an internal control performance monitoring system;Strengthen the Authority of the Internal Audit Committee;Establish a system of internal audit staff.