【摘要】：新巴塞爾協(xié)議于2004年正式提出了操作風(fēng)險的概念，將其與市場風(fēng)險、信用風(fēng)險一同列為銀行經(jīng)營管理的三大風(fēng)險。最近發(fā)生的國際、國內(nèi)金融案件也警醒了我們，，商業(yè)銀行的操作風(fēng)險防控形勢不容樂觀，其后果不容小覷，這引起了銀行本身和監(jiān)管機構(gòu)的高度重視。從目前來看，銀行所面臨的市場風(fēng)險和信用風(fēng)險是相似的，操作風(fēng)險卻大不相同，操作風(fēng)險管理的質(zhì)量必將成為未來銀行業(yè)全面發(fā)展的制約因素，也將成為銀行風(fēng)險管理的主要方向。柜面業(yè)務(wù)是銀行的基礎(chǔ)業(yè)務(wù)，是為客戶提供金融產(chǎn)品和服務(wù)的場所，是銀行經(jīng)營業(yè)務(wù)的第一線，肩負著核算業(yè)務(wù)的重要職責(zé)，其提供的優(yōu)質(zhì)服務(wù)更是銀行穩(wěn)健經(jīng)營、健康發(fā)展的重要保證。 柜面業(yè)務(wù)操作風(fēng)險是指銀行的經(jīng)營網(wǎng)點在受理客戶業(yè)務(wù)的過程中，由于內(nèi)部欺詐、外部欺詐、客戶、產(chǎn)品和業(yè)務(wù)活動事件、信息科技系統(tǒng)事件；執(zhí)行、交割和流程管理事件等造成銀行或者客戶資金損失而形成的風(fēng)險。它所產(chǎn)生的風(fēng)險具有人為性、隱蔽性、危害的嚴重性、不確定性等特點，是銀行操作風(fēng)險管理的重要組成部分。在商業(yè)銀行實際運營中，由于各種原因，柜面業(yè)務(wù)操作風(fēng)險無處不在，而且縱觀最近幾年的大案要案，都與操作風(fēng)險脫不了干系，無一不給銀行帶來了巨額的經(jīng)濟損失及聲譽損失。最近新聞中，頻發(fā)的銀行存款丟失，給公眾帶來了巨大恐慌。瀘州老窖在工行中州支行1.5億元存款“不翼而飛”，東風(fēng)汽車公司社會保險中心1億元人民幣被多家銀行內(nèi)外勾結(jié)，通過私刻公章、偽造金融票據(jù)以及更換客戶印鑒卡等行為“挪作他用”，這些銀行大案的頻頻出現(xiàn)，與有章不循、違章操作、監(jiān)督乏力有重要關(guān)系。同時，柜面也是銀行操作風(fēng)險最為集中、與其他業(yè)務(wù)關(guān)聯(lián)度最高和最難以防控的領(lǐng)域。近些年來，雖然銀行對柜面業(yè)務(wù)在信息技術(shù)、優(yōu)化流程和監(jiān)督方面等做了巨大的努力，但是縱觀銀行業(yè)近些年來的風(fēng)險事件，柜面業(yè)務(wù)操作風(fēng)險仍然是銀行風(fēng)險管理的重要內(nèi)容。研究柜面業(yè)務(wù)操作風(fēng)險問題的必要性有兩個方面。其一，識別銀行柜面業(yè)務(wù)風(fēng)險的管理漏洞和出現(xiàn)的各類風(fēng)險。其二，通過對問題的分析，探索行之有效的解決辦法。 論文首先介紹了論文的寫作背景、意義、研究方法和內(nèi)容，其次介紹操作風(fēng)險和柜面業(yè)務(wù)操作風(fēng)險的內(nèi)涵、特征及表現(xiàn)形式，再次結(jié)合興業(yè)銀行長春分行現(xiàn)狀，歸納其柜面業(yè)務(wù)操作風(fēng)險現(xiàn)狀和問題，對柜面業(yè)務(wù)操作風(fēng)險進行識別和成因分析，最后從四方面探討完善興業(yè)銀行長春分行柜面業(yè)務(wù)操作風(fēng)險管理的對策，從事前、事中、事后及實施保障等方面,加強柜面業(yè)務(wù)操作風(fēng)險管理,為有效解決長春分行柜面業(yè)務(wù)操作風(fēng)險管理現(xiàn)狀提供了思路,并針對長春分行特有的特征提出了觀點，從認知、制度、人員、系統(tǒng)和服務(wù)等方面剖析產(chǎn)生柜面業(yè)務(wù)操作風(fēng)險的原因，其中服務(wù)是本文標(biāo)新的觀點。最后，結(jié)合分行實際，提出能夠控制柜面業(yè)務(wù)操作風(fēng)險的意見。
[Abstract]:The new Basel Accord formally proposed the concept of operational risk in 2004, and it is a three-way risk of the bank's operation management together with the market risk and the credit risk. The recent international and domestic financial cases also alert us, the operational risk prevention and control situation of the commercial bank is not optimistic, its consequence is not allowed to be small, which has caused the high attention of the bank itself and the regulatory body. From the present point of view, the market risk and credit risk faced by the bank are similar, the operation risk is very different, the quality of operation risk management will become the restricting factor of the overall development of the future banking industry, and will become the main direction of the bank risk management. The business of the counter face is the basic business of the bank. It is the place for the customer to provide financial products and services. It is the first line of the bank's business operation. It is the important duty of the accounting business. The high-quality service provided by the bank is the important guarantee of the stable operation and healthy development of the bank. The business operation risk of the counter surface refers to the event of internal fraud, external fraud, customer, product and business activity, and information technology system event in the process of accepting the customer's business. The wind created by the loss of bank or customer funds, such as line, delivery, and process management events. The risk has the characteristics of man-made nature, concealment, seriousness and uncertainty of the hazard, which is an important component of the bank's operation risk management. In the actual operation of the commercial bank, the operation risk of the business operation of the counter is everywhere due to various reasons, and the major case in recent years is not related to the operation risk, and has no significant economic loss and reputational damage to the bank. Lost. In the latest news, the frequent loss of bank deposits has brought great fear to the public The old cellar of Luzhou City is in the 鈥渢o fly without wings鈥

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