Research On Commercial Bank Counter Operation Risk

Counter business is the basic of commercial bank operation.Counter window,as the place of face-to-face contact and communication between commercial banks and customers,is the first position for commercial banks to collect customer information,satisfy customer demands and gain customer trust.Counter operation risk is mainly distributed in the eight basic operation processes of unit deposit business,bank card business,cash cashier business,bill business,seal management,important blank voucher management,file management.It has the characteristics of diversity,destructiveness,and unpredictability.Therefore,controlling counter operation risk,ensuring the timeliness of business acceptance,the safety of funds,and the comfort of counter experience will directly affect customers perception of the bank,and help commercial banks to obtain core customers.In view of the trend of the global economic development,the awareness of customer rights protection has been strengthened,the lawsuits with banks have been increasing,the legal and regulatory systems have been perfected with the times,new financial models such as Internet banking and electronic trade have emerged,and commercial banks need more advanced trading tools and more complex trading strategies.The instability of the technical system,the increasing volume of transactions,and the increasingly perfect regulatory provisions have all increased the operational risks faced by financial institutions.This paper takes Ma'anshan Branch of Bank Z as the research object,takes counter business errors that occurred in recent years,especially in 2016,and combines the questionnaires of bank employees to analyze the reasons for the high risk of counter operations from the perspectives of personnel,management and process equipment,and to explore the influence of counter operations on commercial banks The key factors of work risk,and based on the employee perspective in the commercial bank's current counter operation risk prevention and control measures to explore the most effective measures.Firstly,this paper introduces the purpose,significance,research methods and contents of the paper.Secondly,it makes a theoretical review combining with the domestic and foreign research.Then based on the bank employee questionnaire,using statistical software for empirical analysis,from the perspective of employees to analyze the focus of bank risk control management.Finally,combined with the relevant analysis of the previous chapters and the empirical analysis of policy satisfaction from the perspective of employees,it is concluded that personnel factor is the primary factor affecting the degree of risk;risk management should adhere to the"people-oriented" concept;to ensure technical support for grass-roots outlets of these three main conclusions,and from the meeting,management,performance Effective assessment and other aspects of the corresponding countermeasures and suggestions.