Research On Counter Operation Risk Management Of Y Rural Commercial Bank

The Party’s 20th National Congress put forward clear requirements for financial work,pointing out that we should "strengthen supervision,accelerate the construction of a financial guarantee system,strengthen the supervision of various financial activities,and prevent the occurrence of systemic risks".Financial security is an important component of national security.Preventing and defusing financial risks is the fundamental task and eternal theme of financial work.Yi Gang,Governor of the People’s Bank of China,put forward high requirements for financial institutions to "implement the main responsibilities of financial institutions and shareholders,and improve the robustness of financial institutions".For small and medium-sized banks,the counter is a direct window for external business,as well as a medium for banks to gain customers and create benefits.Meanwhile,counter business is also one of the important sources of bank risks.Compared with credit risk and policy risk,counter operation risk causes less economic losses to banks,but its social impact is worse.The damage to the reputation and brand image of the bank is great.It is very important for the bank risk management to keep the operational risk of the counter business.Y Rural Commercial Bank,as the main force of financial institutions in Y County,has balanced development of all its businesses and ranks first.It has played a positive role in promoting the reform of agriculture,rural areas and farmers and small and medium-sized enterprises.In addition,the characteristics of rural commercial banks such as a large number of outlets,large differences in service objects,and complex business processes are becoming increasingly prominent,while the low quality of counter staff and lack of scientific and technological support bring increasing potential risks to rural commercial banks,and their traditional risk management model can no longer adapt to the new business development.Therefore,based on the research results of domestic and foreign scholars on operational risk management,combined with the risk prevention process of Y rural commercial bank’s counter business and the current situation of risk management,this paper adopts questionnaire survey,case analysis and other methods to find out the problems existing in the organizational structure,internal control mechanism,personnel operation and management,system and equipment support and other aspects of the counter business operation risk.And analyze the causes of its problems,explore effective measures to effectively improve the counter operation risk management ability,mainly from the organizational structure,system optimization,personnel management,supervision efficiency four aspects.In terms of organizational structure,we should constantly improve the risk management structure and functional system of counter operation.In terms of counter business operation risk system,we should strengthen the internal control mechanism,improve the risk management system and establish the risk fund management system.In the aspect of counter personnel management,we should carry out systematic pre-job training and business learning,improve counter management level and strengthen the construction of compliance culture.In terms of the effectiveness of risk supervision,the functions of core business system,risk early warning system and online electronic payment system should be optimized.The purpose of this in-depth study is to further improve the risk management ability of Y rural commercial bank’s counter operation,find a balance between business development and risk prevention and control,and offer suggestions for Y rural commercial Bank’s stable and long-term development and high-quality development.