Research On HZ Bank Counter Operational Risk Management

Since the bank was born,it has been accompanied by risks.For commercial banks,its essence is working capital and management risk.Good risk management is an important guarantee that they rely on winning,changing,and living.The risks faced by commercial banks mainly include three categories:market risk,credit risk and operational risk.In recent years,with more and more cases of losses caused by operating risks of global financial institutions,this risk has also received unprecedented attention and attention from the financial community,among which the risk of operating on the counter surface is the most common.Inventory of the last five years in China's banks also occurred in the operational risk time,counter operations of risk occupied half of the country.Therefore,the study and analysis of the operational risk of the banking cabinet face has great practical significance and long-term significance,and it is gradually becoming an important topic for commercial banks to study.The content of this article mainly includes six parts,of which the third,fourth and fifth parts are the core contents of this article.The first part is the introduction,points out the background and significance of this article,summarizes the review of research literature at home and abroad,and makes a brief analysis of research ideas and methods,research contents,etc..The second part mainly expounds the related theoretical basis of the risk management of cabinet surface operation,including the definition and classification of the risk of cabinet surface operation in commercial banks,the risk management theory of commercial banks,and the internal control theory.The third part is to combine theory with practice and study the operational risk management of HZ banking cabinet face business.The main contents include a brief introduction of the basic situation of HZ banking and the current situation of cabinet face business.The paper also analyzes the existing risk management methods of HZ bank cabinet surface:standard cabinet surface operation,on-site supervision and ex post supervision combined and centralized authorization mode.The fourth part focuses on the analysis of the operational risk management of the HZ banking cabinet face business and the reasons.Through the study of HZ banking loss data collection,the following problems are obtained:process problems;Deficiencies in the means of monitoring;Personnel issues;System problem,external problem.And analyzed the cause of the problem,namely:operation process has defects and frequent changes;The supervision system is not perfect enough and the means are not advanced enough;Deficiencies in employee management;The core system of cabinet face is relatively backward and there are loopholes;External fraud takes many forms.In the fifth part,the author summarizes the advanced risk management experience of Beijing Bank by using the comparative analysis method,and gives the inspiration to HZ Bank.The sixth part through the above analysis,the use of induction and summary method,targeted for the HZ banking counter operations risk management to provide some measures to control the wind.These measures are the work experience summarized by the author for 8 years and have a certain reference value.