Research On Risk Prevention And Countermeasures Of Commercial Bank's Counter Business

In recent years,with the rapid development of financial technology and Internet economy,in the face of increasingly fierce market competition,various new products and new businesses of commercial banks have emerged in an endless stream,financial innovation has been accelerating,financial speculation and financial arbitrage behavior have become increasingly popular,resulting in It is more difficult to manage risk management in the business of the counter.In particular in recent years,there have been more and more financial fraud activities.Some key positions and senior managers have ignored the law,colluded with social personnel and intermediary criminals,colluded internally and externally,illegally misappropriated and misappropriated bank funds,and brought to banks and customers.The losses such as capital and reputation have destroyed the market order of China's financial industry.The author intends to stand in the perspective of the business counter of the commercial counter in the commercial bank.From the perspective of specific operational practices,the business risk of the counter is subdivided from the overall risk of the bank,and the business of the counter is the research object.Focus on strength research.According to the main ideas of asking questions,analyzing reasons and solving problems,the author analyzes the risk expressions of the public counter from three aspects:account management,payment settlement and internal control,and expounds the risk of the business of the counter.The social impact,reputation impact,regulatory policy impact and internal management cost impact,the implementation of the account opening authenticity verification is not effective,the counter risk control mechanism is not perfect,the bank technology update is slow,the lack of personnel quality is the risk of the business counter the main reason.The author conducted a case study based on the Z-branch behavior of C bank,used risk identification tools to identify and evaluate risks,and summarized the experience that C Bank Z Branch can learn from.Finally,it proposed to strengthen account opening survey and customer identification,and improve internal Control measures,strengthen the prevention and control of scientific and technological innovation,improve employee risk awareness and staff quality,and improve the risk management of public counter business,with a view to improving the risk management level of commercial banks.