Research On Counter Business Risk Management Of JY Rural Commercial Bank

In recent years,rural commercial banks have developed rapidly,both in terms of scale of development and operational efficiency have been greatly improved,and a lot of work has been carried out for internal control and management,prevention of business risks,and certain achievements have been made at the same time There are still some loopholes in the existing internal control and compliance system of Village commercial banks,especially in the aspect of counter operation,there are still many risks.Therefore,it is of great significance for the development of banks and economy to study the relevant counter operation risks and put forward corresponding solutions accordingly.This paper summarizes the theories and research trends of risk management and counter risk of commercial banks,This paper expounds the characteristics and manifestations of counter risk of JY rural commercial bank,analyzes the current situation,existing problems and defects of counter operation risk management of JY agricultural commercial bank,reveals the existing problems through different risk types of cases,and analyzes these cases,on this basis,puts forward improvement strategies.The results show that: the counter risk of JY agricultural commercial bank mainly includes cash and important voucher management,seal management,authorization management,staff management and so on.JY rural commercial bank’s risk management system is not perfect,risk control is improper,personnel training management is not in place,lack of information technology intelligence,and poor supervision of business implementation.These problems have had a serious impact.Therefore,to improve the counter risk of JY rural commercial bank,we must do the following: we should improve the relevant rules and regulations,achieve strict internal control;improve the level of information management;achieve reasonable risk supervision in business;strengthen the identification and information screening of customers;in personnel management,we should constantly improve the system of human resource management,take people as the main body of work,and pay attention to banks The staff of the bank implement the incentive policy.In view of this,combined with the specific characteristics of commercial banks,the counter risk prevention and control countermeasures and suggestions are as follows: constantly strengthen the construction of internal system,use new scientific and technological means,and integrate into the construction of compliance cultur.