Study On The Risk Prevention And Control Of The Countermeasure Of The Counters In The Villages And Towns Of Zhangzhou Rural Commercial Bank

Since 2015,due to the post-financial crisis and the impact of Internet finance,the pace of development of the Bank of China has been slowed down to a certain extent.At the same time,the risks of the banking industry have become increasingly prominent,especially under the strict control of the regulatory authorities,and resolutely guard against financial Risks,the reduction of financial leverage levels,and the challenges of innovative environments and product changes have placed higher demands on the risk management department of the banking industry.Among these risk issues,the most prominent problem is the bank’s operational risk.From different stages of development,the bank’s counter operation risk form has undergone various forms of change,but in essence,reducing the counter operation risk is the bank’s risk management work.Basic,most important work.This paper mainly takes Pizhou Rural Commercial Bank as the research object.In the research process,the paper first collects and organizes the literature on operational risk measurement and management,and on the other hand,the management framework of operational risk.to sum up.On this basis,it fully studies the characteristics of the counter business in commercial banks and the operational risks in the current counter business,and further elaborates on the causes of business risks and the current status of risk management,and at the same time,deepening The research content of this paper will be analyzed from the perspectives of personnel,system,internal process and external events,respectively.The impact of personnel factors on the risk of counter operation mainly includes low self-employment quality or employee morality.Defects;system factors mainly lie in the existence of loopholes in computer software systems;internal process factors include;first,the internal management of the banking system is lacking and chaotic,the business operation process is not scientific and operative;second,the process is not fully implemented or In the process of process execution,there is a lack of supervision mechanism;as for external event factors,it generally refers to sudden events,such as rainstorms causing bank counters to be flooded,violent incidents,etc.,or external personnel to use bank staff,systems,processes,problems,etc.Illegal incident,leading to bank operations Increased level of risk.On the basis of reasonable analysis,it will further propose targeted measures for the management of counter operation risk of rural commercial banks.The relevant measures are mainly:1.Strengthen the service operation capability and professional ethics of the counter staff;2.Improve the commercial bank The program design of the counter business ensures that the procedures are reasonable and efficient,and there are no hidden risks;3.The construction of relevant systems,including incentive mechanisms and risk management systems.The risk management of commercial banks is a systematic and complex project,and the risk of counter operation is an important part of bank risk management,and the frequency of occurrence is high.Banks must formulate relevant operations based on their business scope and characteristics.The risk management system is designed to cope with the ever-changing and multi-risk operational risk situation and achieve the goal of stable operation of the banking industry.