Research On The Risk Control Of The Construction Project Of The 24 Hour Self-Service Outlets Of The M Bank

With the development of science and technology,great changes have taken place in the modern commercial bank service methods.The 24 hour self-service outlets breaks the limit of counter in time and space.It can be flexible and convenient for the cardholder to provide self-service cash transaction service.With the rapid development of social economy,people's demand for financial services is becoming more and more abundant.Safe,simple and convenient,independent and comprehensive is people's new requirements for financial services of modern commercial bank.After decades of development,the self-service cash transaction equipment represented by ATM has become to be the most important service channel outside the traditional counter in modern commercial banks.At the same time,it has become an important means for commercial banks to seize the market,increase revenue,and expand the influence.Due to the unattended,store cash and other characteristics,from the first day of 24 hour self-service outlets birth,the problem of risk control has become a precondition for the healthy development of its business.All aspects of the 24 hour self-service outlets from the business involved,mainly in the background,operation rules and regulations,the equipment itself and outsourcing etc.In order to ensure the sustained and healthy development of the 24 hour self-service outlets business,risk analysis and prevention is particularly important.In this paper,with the M bank as an example,I find the risk factors through the analysis of the 24 hour self-service outlets business process,summed up the various risks faced by 24 hour self-service outlets business development,and thus build 24 hour self-service outlets risk control systems.At last,find solutions according to the 24 hour self-service outlets risk control system.This paper supplies and completes existing risk control system of the 24 hour self-service outlets from the micro level,and put forward the methods of standardized operation.This has a certain reference value for the M bank to reduce the risk of ATM business.At the same time,it has certain reference significance for other types of banks to control the risk of the 24 hour self-service outlets.