Research On The Counter-service Operational Risk Management Of The LAN ZHOU CITIC BANK

In recent years,with the expansion of commercial banks’ business extension and the optimization of processing process,the corresponding rules and regulations have been continuously refined and improved.Most commercial banks have been able to effectively identify and prevent some potential counter operation risks,or timely take control measures to reduce the risk losses that may be caused by operational risks.However,with the intensification of competition among commercial banks,the continuous emergence of financial innovative products,the prudent operation requirements of external regulators and the frequent rotation of internal counter business personnel,there are many hidden risk points in counter business,and the control difficulty is increased.The continuous strengthening of counter operation risk management ability is one of the important preconditions for commercial banks to achieve steady development.Based on the theory of total risk management and internal control management,this paper summarizes the risks in the current counter business operation of China CITIC Bank Lanzhou Branch.This paper collected the remote authorization return error data of 13 branches under China CITIC Bank Lanzhou Branch in recent years.By using Logistic regression and analytic hierarchy process,the key indicators of counter business operation risk were screened out and the evaluation system was rebuilt.It was found that input,unclear image and voucher filling had great influence on operation risk,with the weight of 38.86%,18.2% and 16.48%,respectively.According to the weight results and further analysis,it is concluded that lax audit is high risk,incorrect operation is medium risk and authorization risk is low risk.Finally,differentiated management measures for high risk and other medium and low risk are proposed.By strengthening business learning,system input of business prompts,paying attention to basic operation specifications,writing risk manuals and other improvement suggestions,risk management at different levels can be carried out more precisely,and the overall risk management process and internal control management can be optimized more effectively.