Research On The Operation Process Risk Of NJ Bank's Asset Custody Business

As the domestic economic slowdown,capital and financial markets drastic changes,the bank net interest has sharply decreased in these years.These changes in the capital market,making asset custody business has become one of the most widely accepted financial services.As an intermediary business of banking institutions,it can improve banks' income structure by improving intermediate business income,to accelerate the commercial banks,transformation rather than capital consumption.NJ bank has been paid close attention to the risk control and inner control system.It effectively expands the capital through the introduction of strategic investors,cross-regional operation,listed three major strategies.As its new business,the asset custody business hope to give more high-level services to the asset management institutions,but affected by the business people,operation flow and system barriers and other factors,its content and level of services can not meet the requirements of the asset custody industry,its operation process can not adapt to future development needs.This article analyzed NJ bank's asset custody business by introducing it's background,objectives,useful effect,and research ideas,as well as the financing theory,to help it control the risk of operation process by analyzing its basic principles of risk control,information technology,integration of all relevant resources and brand building.The article will try to optimize it's asset custody operation process,find out operating process risk response,and establish a security system to ensure the smooth operation of asset custody business.The article shows that,the key to the operation process of asset custody business is to pay attention to the "straight through rate",reduce manual intervention,automation and intelligent processing,make up for the defects of manual management.The analysis has important reference for domestic Small and Medium-Sized Commercial Banks to optimize the income structure and accelerate the business transformation.