Research On Optimization Of Counter Operation Risk Management Of A Rural Commercial Bank Under Intelligent Transformation

Since the Wall Street financial tsunami,the weak and sluggish economic development trend has caused a surge of unstable factors.Domestic commercial banks have gradually carried out strategic reforms of intelligent transformation and development to adapt to changes in the economic and financial environment.The intelligent transformation of banks has changed the operation pattern,new features of counter operational risk have emerged,and operational risks have become more complex.Various operational risk events have caused huge losses to banks.For local small and medium-sized banks with a late start of informatization and intelligence and a weaker foundation,they need to pay more attention to the risk management of counter operations in order to survive and develop.This research adopts literature research method,case analysis method,expert interview method and questionnaire method,takes the research object of A agricultural business behavior,and is based on the relevant theories of internal control and risk management.Through intelligent transformation,the current situation of counter business operation risk management Identify risk points,combine with expert interview opinions,establish AHP(Analytic Hierarchy Process)fuzzy comprehensive evaluation model from the four operational risk types of bank personnel,institutional processes,information systems,and external factors,and comprehensively evaluate the level of counter operational risk management.Evaluation and in-depth analysis of existing problems.The study found that: under the influence of intelligent transformation,the influence of defective information systems on counter operation risk management has increased,and it is necessary to prevent information system operational risks;A rural commercial bank counter operation risk management level is moderately low,and the main risk sources are in order It is illegal operation,system function defect,external fraud,unstable system performance,and lack of system process.Finally,in view of the existing problems in the counter operation risk management of A rural commercial bank,measures and suggestions are put forward,such as strengthening bank personnel management,optimizing system and process reform,strengthening information system construction,and actively responding to the influence of external factors.The purpose is to find a suitable method and path for A rural commercial bank to improve the counter operation risk management ability and efficiency,so as to effectively reduce the occurrence of counter operation risk events,and also have implications for the counter operation risk management of other commercial banks under the intelligent transformation.Reference meaning.