The Research On The Operational Risk Management Of S Branch Of J Bank With The Intelligent Transformation

Commercial banks are high-risk types of enterprises.There are many kinds of risks in operation,and operational risks are one of them.Operational risks exist in various branches of various business and business of banks.With the continuous occurrence of a large number of operational risk events,commercial banks have gradually attached importance to strengthening the management of operational risks.The grassroots business organizations are directly in contact with customers,and the operational risks are mostly from the bank counters,that is,the counter operation risks.Therefore,the counter operation risk management has become an important part of the risk management of commercial banks.Under the new economic normal,the transformation and development of commercial banks has led to the intelligent transformation of outlets.The counter operations of commercial banks have shown diversified trends,and the operational risks of counters are increasing.In the context of the intelligent transformation of outlets,in addition to its inherent risk categories,counter-operating risks also add new types of counter-operating risks,such as self-service equipment risks such as smart teller machines.Strengthening the risk management of counter operations is an important issue in improving the construction of risk management systems for commercial banks.This paper takes J Bank S branch behavior research object,firstly sorts out relevant literatures on operational risk at home and abroad,and forms a certain theoretical basis.Then it expounds the definition,characteristics,manifestation and identification and control of the operational risk of the J Bank S Bank counter.According to the audit monitoring system and on-site inspection data,the current situation and existing problems of the operation risk of the S branch counter are described according to the service category.By using the brainstorming method,the factors affecting the formation risk of the counter are summarized,which are environmental factors,institutional factors,personnel factors and system factors,thus forming an analytical framework.According to the reasons of the analysis,the corresponding countermeasures and suggestions are proposed,mainly to strengthen the internal control environment construction of the cabinet risk management,improve the cabinet personnel management,strengthen the cabinet system management,and strengthen the system development and maintenance and information platform construction.Finally,it is concluded that improving compliance awareness,strengthening the implementation of the system,and attaching importance to the development and maintenance of systems and platforms are the key to the risk management of counter operations.Through the research on the risk management of counter operation of J Bank S Branch,it is beneficial to optimize the risk management of S branch counter operation,which has certain reference significance for other branches of J Bank and even other commercial banks,and also for the operation of counters of commercial banks in China.Risk management provides relevant practical experience.