| The bank’s acceptance bill business has become an important means for commercial banks to create profits by virtue of the advantages of the bank’s acceptance bill in terms of income,safety and circulation.Due to the existence of concepts such as "emphasizing business operation and ignoring risk management",and the short development time of the domestic bank acceptance bill business,cases of violations of laws and regulations in the domestic bank acceptance bill business have still occurred in recent years,and it is urgent to improve the bank acceptance bill business.Risk identification,measurement and control capabilities.Based on this,this study selects the H branch of China Merchants Bank,which is facing the development dilemma of the bill business,as the research object,focusing on the operational risk of the bank’s acceptance bill business.This research uses questionnaire survey,case summary,literature analysis and other methods to identify the main operational risks of H branch acceptance bill business,and uses the AHP model to quantitatively evaluate the identified risk points.The idea proposes risk response measures,and finally applies the proposed measures to business practice,and obtains:(1)The operational risk of H branch acceptance bill business mainly comes from five aspects: employees,business processes,operating systems,internal control mechanisms and external risks,involving personnel Capability,personnel morality,review process,custody process,system security,system advancement,system reliability,internal control culture,internal control mechanism and implementation,internal management and supervision,external fraud and internal and external collusion 12 micro-risk sources.(2)At present,the overall assessment value of the operational risk of H branch’s acceptance bill business is 74.3,which is at a medium risk level,and needs to be paid attention to and proactively guarded against;System and practitioners are at medium risk level,while external risk is low risk in this risk assessment.(3)With the help of financial innovation theory and internal control theory,this study considers that H branch urgently needs to improve internal control system and strengthen system implementation,strengthen internal management and supervision,and optimize and innovate business process for two high risks of internal control mechanism and business process.;In view of the two major risks of employees and operating systems,H branch needs to improve the comprehensive quality of bank acceptance bill business practitioners and increase the construction and investment of business systems;and for the low risk of external risk,H branch can be prepared by establishing a rainy day.The ex ante supervision mechanism,etc.should be dealt with.(4)The proposed measures have achieved the effect of improving the operational risk prevention and control level of H branch’s acceptance bill business in a short period of time,the standardization level of practitioners’ operations,and the efficiency of business processing.The use of the AHP model to measure the operational risk of H branch’s acceptance bill business has proved feasible and effective. |
