Research On Operational Risk Control Of Counter Business Of Zhuzhou Rural Commercial Bank

Operational risk is an important part of the modern commercial bank's risk system,and operational risk control is the basis for the normal operation of commercial banks.The research on the operational risk of commercial banks is of positive significance for the development of financial risk theory,especially the risk theory of commercial banks.In order to bring more stable development to commercial banks,how to develop internal control strategies for commercial bank counter operations has become the top priority of commercial banks.This thesis is based on the risk management and internal control theory of the COSO framework,and reviews related literatures.Secondly,it introduces the main operational operations and risks of commercial bank counters,including the main counter business of commercial banks and the classification and characteristics of common operational risks.Subsequently,the main risks and causes of the operation of Z Bank's counter business were analyzed.The specific steps are as follows: First,introduce the general situation of Z Bank and the internal control of Z Bank operation business;Second,use the interview method to commercial bank counter The business operation risk is identified.Thirdly,the Delphi method is used to evaluate the operation risk of the commercial bank counter business.Fourthly,the cause of the operational risk of the Z Bank counter business is analyzed.Finally,from the improvement of the internal control environment of the counter business operation risk,improve the operational risk identification,early warning,evaluation mechanism,take effective risk control activities,establish an effective transmission and communication mechanism,strengthen supervision and other aspects,and formulating the control measures for the operational risk of the counter business of Z Bank.This thesis introduces the Delphi method to identify the business risk of counter operation,and quantitatively and qualitatively evaluates the identifiedrisks,and then studies the defects of internal control according to the relative importance of each risk according to the evaluation results.The research results show that the internal control environment of Z Bank is relatively weak,and there is no relatively complete and effective risk warning,identification and evaluation mechanism.The internal control and control activities are not implemented properly.The internal control related information collection and transmission are not timely and accurate and related information.The poor communication between the internal and external enterprises,the lack of supervision at all levels,etc.is the main reason for the operational risk of counter business in Z Bank.In view of the main reasons for the operational risk of the counterstation business of Z Bank,from the five internal control factors of internal control environment,risk assessment,control activities,information and communication,and internal supervision,the countermeasures and measures are proposed in a targeted manner to Hunan.The degree of influence of the operation risk control of the counter business of the rural commercial bank is controlled within the controllable range,and provides a positive reference plan for operational risk management and operational risk prevention of commercial banks in China.In this thesis,based on the status quo of the counter business operation of Z Bank,based on the problem-oriented thinking,a series of qualitative and quantitative comprehensive research methods such as literature analysis,case analysis and questionnaire survey are used to identify the possible operational risks.,assessment and analysis,and using the perspective of conventional internal risk control as an entry point to analyze the management focus and difficulties faced by commercial banks represented by Z agricultural business behavior in the operational risk management of counter business,which is extremely practical and Realistic meaning.However,the shortcoming of the research is that some of the information cannot be publicized due to theconfidentiality agreement,which makes the thesis unable to provide sufficient examples and data,and the research results are not as expected by the research institute.