Research On Counter Operation Risk Management Of Y Branch Of Z Bank Under The Background Of Intelligence

In recent years,with the rapid development of China’s social economy,mobile Internet technology has developed rapidly.On this basis,emerging technologies such as artificial intelligence and big data have also been widely used and promoted,and these new technologies have had a profound impact on banking business.Major commercial banks are constantly making technological innovations and seeking intelligent transformation to cope with the changing customer fanancial behavior and the competitive landscape among commercial banks.Among them,the construction of intelligent bank branches has become an important trend.All along,in the process of bank service to customers,counter operation risk events occur frequently due to personnel operation errors,insufficient awareness of personnel compliance,inadequate training,imperfect internal control compliance system,insufficient system stability or external risk events,which shows that counter operation risk management is a very important part of bank risk management.With the intelligent transformation of bank branches in recent years,the structure and frequency of various types of business in counter scenarios have changed greatly,which is also an urgent issue that needs to be paid attention to and solved in bank risk management at present.As a leading domestic joint-stock commercial bank,Z Bank is actively promoting digital transformation and accelerating its progress towards smart banking.In 2019,Z Bank officially released its "light banking" strategy,proposing to build a more open,collaborative and shared ecosystem to realize the leap from transaction banking to life banking to smart banking,and the intelligent As a first-class branch of Z Bank in the northwest region,Z Bank Y Branch is an important part of Z Bank’s nationalization strategy.Along with the deepening of intelligent transformation,the counter operation risks of Z Bank Y Branch also began to present new features and forms:for example,the use of self-service machines has led to the reduction of regular counter operations and the increase of difficult operations;as some elderly customers do not know how to use self-service machines or the self-service machines cannot meet their needs,the tellers need to provide age-appropriate services;the identification of risky accounts has become difficult with the endless means of criminals.The identification of risky accounts has become difficult with the increasing methods of criminals.New risk problems are constantly emerging and increasing.Therefore,how to effectively prevent counter operation risks and ensure the safe operation of intelligent bank branches has become an urgent issue to be studied and solved in front of us.In this paper,we explored the current situation of counter operation risk management in Z Bank Y branch through various methods,including literature research,questionnaires,interviews and case studies,in conjunction with the actual situation.Through the analysis of data and actual situation,we found the following problems in the bank.Namely,the counter operation risk management concept and assessment orientation are biased;the counter operation risk management system is still missing;the counter operation risk management team construction needs to be improved;and the counter operation risk management system does not match with the business development.At the same time,targeted countermeasures are proposed:improve the level of internal control management;improve personnel management,strengthen personnel training,and reduce the risk of moral bottom line;strengthen system management;accelerate intelligent transformation,improve system development and maintenance;and build an intelligent risk prevention and control system by relying on the construction of big data.It is hoped that the above means can further improve the counter operational risk management level of Z Bank Y Branch,solidify the foundation of counter operational risk management,and reduce the occurrence of counter operational risk cases.It is also expected that this study will explore methods and strategies suitable for counter operation risk management to cope with counter operation risks in the intelligent environment of Z Bank Y branch,and can provide useful reference for other banks and bring practical experience and reference value for counter operation risk management of commercial banks in China.