Research On Risk Identification And Control Of Counter Business Operation Of L Rural Commercial Bank

With the rapid development of economic globalization and information technology,our financial industry has ushered in new opportunities for development,but at the same time,it also faces a more complex environment and increased risk uncertainty,which brings new challenges to risk management.In recent years,the loss events caused by operation risks have increased year by year,and the impact has become increasingly prominent.Chinese commercial banks need to solve the current problem of operation risk management and control.In this paper,relevant theories are searched and sorted out extensively.On this basis,L Rural Commercial Bank is taken as the research object,the operation risk evaluation model is constructed by comprehensive application of analytic hierarchy process,and the overall operation risk of L Rural Commercial Bank’s counter business is comprehensively evaluated by fuzzy comprehensive evaluation method.At the same time,the causes of operation risk are analyzed one by one.Combined with the current economic situation,this paper deeply discusses the optimization measures for L Rural Commercial Bank’s counter business operation risk control.After constructing the evaluation model through literature research method and analytic hierarchy process and conducting comprehensive evaluation,this paper draws the following research conclusions:(1)By combing the research background and significance,it draws the conclusion that operational risk is important to the sound operation and development of banks,and uses the research results of domestic and foreign scholars to find appropriate research methods.(2)An in-depth analysis of the specific requirements of Basel Accord on operational risks and a summary of the index factors that affect the operational risks of counter business of commercial banks,mainly including personnel factors,system failures,internal processes and external risks.(3)With the rational application of analytic hierarchy process,expert scoring method and fuzzy comprehensive evaluation method,L Rural Commercial Bank’s own operational risk data information is selected to construct L Rural Commercial Bank’s operational risk evaluation system of counter business.The reasons for operation risk in the current development process of L Rural Commercial Bank include: weak information system security,internal process defects,lack of external risk control,lack of professional quality and professional level of operators,and backward operation risk management.Based on this,this paper gives targeted strategies and suggestions,including: upgrading the information system,optimizing the internal process of the unit,strengthening the external risk management,improving the professional ethics and professional standards of the operators,and improving the operational risk management,hoping to provide reference for the operational risk control of the counter business of L Rural commercial Bank in the future.