Reseach On Counter Operation Risk And Its Preven Tion Of C O Mmercial Bank S

As an important industry in social economy,financial industry is not only related to the smooth operation of the whole social economy,but also related to the health and harmony of the whole society.It should be said that after decades of development,Chinaundefineds commercial banks have gone through a journey from weak to strong,especially after Chinaundefineds accession to the WTO,it has received more challenges and faced more pressure.In the process of promoting the business of commercial banks,the most important thing is undoubtedly the counter business,which constitutes the important basis of the whole business promotion of the commercial bank.Through the statistical data of the relevant departments,as far as the counter business operation is concerned,due to the different operation ability of the relevant business personnel and the backward technical means used,the related operational risks emerge in endlessly.It seriously affects the normal operation of the firm itself and destroys the social influence of the firm.Therefore,at this stage,as far as the risk prevention of the firm is concerned,it is important to take effective measures and measures to prevent the operational risk of counter business.In this research,first of all,it introduces the theory of operational risk,refers to the advanced research results of commercial banks in the prevention and control of operational risk of counter business,and expounds the meaning and characteristics of operational risk of counter business of commercial banks.Further analyze the measurement methods and influencing factors,and set up four operational risk assessment indexes,including the quality of counter personnel.And then create a more in line with the current stage of Chinese companies to measure the operational risk of counter business model.In view of the weak links in the counter business risk management of commercial banks,the fuzzy comprehensive evaluation method is used to evaluate,so as to put forward a more beneficial strategy for the management of commercial banks.In this study,the H Branch of China Construction Bank was selected as the research object to investigate and understand the operational risk of the bankundefineds counter business comprehensively and objectively,and to scientifically analyze the existing problems and shortcomings.Then it puts forward some countermeasures to solve the problems,so as to draw lessons from the management of the operational risk of counter business in Construction Bank and other commercial banks.Through demonstration,this paper draws the following conclusion: it is feasible to use quantitative analysis method to analyze the operation risk of cabinet business.The analytic hierarchy process(AHP)and fuzzy comprehensive evaluation method are used to evaluate and judge the risk situation accurately,and this method is simple and feasible,which is suitable for the specific operation of commercial banks in China.The measurement and control of operational risk of counter business should be comprehensively measured and controlled from a global point of view,and a single method should not be used to judge one of the factors to prevent it.The key measure to prevent the operational risk of counter business is to improve and perfect the business structure and management mode of the firm in an all-round way.