本篇paper代写- Operational risk management of commercial Banks讨论了商业银行的营运风险管理。商业银行所出现的风险问题不是局限于某一个环节，而是贯穿于整个运营过程中。商业银行在运营过程中，与各个行业都有一定的联系和沟通，这就会使商业银行所存在的风险也是多种多样的。因此，要想提高商业银行的营运风险管理效率，首先要实现对风险的有效识别，这样才能促进合理解决措施的实施。本篇paper代写由51due代写平台整理，供大家参考阅读。
The risk problems in commercial Banks are not limited to one link, but run through the whole operation process. In the process of operation, commercial Banks have certain contact and communication with various industries, which will lead to various risks of commercial Banks. Therefore, in order to improve the operational risk management efficiency of commercial Banks, effective risk identification should be realized first, so as to promote the implementation of reasonable solutions. Among them, for grassroots commercial Banks, there are mainly the following problems: the risk of commercial Banks caused by the non-standard operation of bank personnel. For example, some bank staff misjudge, misrecord and delay in business operation, registration entry and certificate verification, etc. The inaccuracy of basic information will bring certain risks to the operation of the whole bank. If there is subjective wrong behavior of bank staff, it should be judged as a case problem, and it should be timely referred to relevant departments for handling, so as to avoid affecting the operation of the whole bank. Interruption of business continuity. When carrying out business, Banks often need to use the internal operating system, and in case of poor network, system pressure or problems in the core accounting system, the business will be interrupted, which will lead to the occurrence of the corresponding group events. Risk issues arising from emergencies. For example, illegal accidents such as natural disasters and robberies may bring certain risks to the operation of Banks. But there is a certain unpredictability to this risk. Therefore, the bank should formulate corresponding preventive measures or reasonably avoid or deal with such risks through drills. Fourth, the risk of reputational events. For example, the malicious dissemination of we-media and the garble of quotes from the context will have an impact on the benign development of Banks.
Through the analysis and understanding of the main risk problems, it can help us to timely identify the risk problems in the operation of the bank, and then take targeted measures to avoid the occurrence of risk problems, so as to promote the safe and stable operation of commercial Banks. Below, the paper analyzes and discusses the main risks of commercial Banks.
The low efficiency of commercial bank outlets is the main problem existing in grassroots Banks. This is especially true in remote areas or urban networks. In some areas, the business process often takes 20 to more minutes, which affects the efficiency of the business process and customer experience. In addition, in many areas, the banking business is mainly focused on pension payment for the elderly, and the number of young people handling the business is few and far between. Moreover, the staff's lack of patience in handling the business will affect the communication and exchange between the staff and the business transaction staff, and will easily cause the corresponding security risks. There are also some grassroots bank outlets of the staff are generally older, for the relevant business is only to take the traditional method of handling, without effective update, so that will affect the efficiency of the whole business handling. As for the business equipment of the network, there is no special staff to repair and maintain it, so once the business equipment fails, the whole system will be paralyzed, which will bring risks to the operation of the whole bank.
With the continuous reform of the economic system, higher requirements have been put forward for the management quality of Banks. Although most Banks have updated their hardware. However, there are still more differences in staffing. The use of bank equipment has strong operability. When handling business, bank staff should memorize various bank transaction codes and internal control management system, so as to ensure the smooth handling of business. However, some bank staff are not proficient in business knowledge and have low professional ability, which will bring certain risks to the handling of relevant business. In addition, the banking business is dealt with generally has limitations, are restricted to certain kinds of operation, when the staff operation skill will appear after a certain idle, curing way of thinking and the ways to solve the problem of the single, work enthusiasm and work skills can be effectively improved, affect bank service management level. As a relatively high security institution, Banks should play a role of benchmark in the whole financial industry, so as to improve the trust of users. However, as for the current commercial Banks, they have little understanding of financial knowledge. Besides promoting financial products, they cannot provide professional financial consulting services to users, which will affect the safety of users' funds.
Non-differentiation is the main problem in the development of Banks. Due to the lack of more advanced innovative management methods and management concepts, there are no featured products in Banks, which will not only increase the development competitiveness of different Banks, but also bring certain risks to the operation of the whole Internet finance to a certain extent. Among them, as for the current Banks, their main users are generally the third-party customers represented by WeChat and alipay, and there are few scattered customers, so a lot of intermediate business will be lost. Some Banks in the process of development, simply relying on the relevant national policy tilt to continue as a going concern, not according to the needs of different types of customer to develop different financialization service plan, thus contribute to the development of Banks and vulnerable to the external environment factors, and thus will increase the operating risk of the bank.
With the rapid update of information technology, the continuous application of information technology in banking is also the main development trend. Among them, for most financial businesses, they can be completed by themselves by relying on the corresponding technical equipment rather than relying on manual services at the window, which effectively improves the handling efficiency of the business. Therefore, Banks should increase the innovation and application of Internet technology and artificial intelligence, and constantly realize the use of artificial intelligence technology, so as to provide greater convenience for people's business. The continuous investment of Internet equipment has realized the effective saving of human resources to a certain extent. At this time, the bank should do a reasonable allocation of human resources, and according to the business needs will be divided into different levels of staff, which can not only provide more convenience for users to deal with the business, but also avoid the business in the process of risk problems. Banks should also carry out targeted financial knowledge services according to different financial products so as to improve the core competitiveness of Banks.
Reasonable adjustment of working concept can promote the development of Banks and effectively meet the current social development needs. The transformation of the bank is not only related to the effective formulation and implementation of the long-term development strategy of the enterprise, but also related to every staff member in the bank. Therefore, in the context of today's Internet, Banks should seize the main development opportunity of technology, which enables them to continuously realize technological reform and innovation, and take the initiative to provide special financial services to users, so as to improve the trust of users. In addition, Banks can also adopt whole-staff marketing and whole-line marketing to strengthen the promotion of financial products, constantly design and implement transformation programs, and improve the work enthusiasm of employees through rewards and punishments, so as to improve the quality of risk management of the whole bank.
As the main personnel of bank business, the comprehensive quality of bank staff determines the risk of the whole business to some extent. Therefore, Banks should increase the adjustment of enterprise human resources structure, increase the training of staff, to ensure that the ability of staff and the speed of development of the bank match. Banks should also implement the effective transformation of the assessment mechanism. The formulation of the assessment mechanism should not only highlight the positive encouragement of employees and increase their performance, but also increase the corresponding humanistic care factors to ensure that the needs of bank staff are met, so as to improve the work enthusiasm of staff. The transformation of banking work is not an overnight process, but a complex and systematic project. A good appraisal mechanism can not only promote the effective implementation of relevant policies, but also create a good atmosphere for employees to work. As a high-risk industry, safe and stable operation is the main core goal of bank development. Therefore, Banks should combine their own development conditions, adjust their operation plans reasonably, earnestly implement the principle of handling affairs according to procedures, and under no circumstances ignore the bottom line of safety, so as to promote the safe and sustainable development of Banks.
The continuous study and analysis of the operational risk management of commercial Banks plays a vital role in effectively improving the operational safety of commercial Banks and effectively promoting the sustainable development of Banks. Therefore, we should first know and understand the characteristics of operational risk and its performance and problems existing in commercial Banks the main risk, and then work from adjusting network service mode, greatly improve the work efficiency, adjusting work idea and the way of profits and convert the assessment mechanism and risk prevention three aspects to improve the management level of operational risk of commercial bank, which can enhance the competitiveness of the development of commercial Banks, which can effectively promote the improvement of economic level in our country.
要想成绩好，英国论文得写好，51due代写平台为你提供英国留学资讯，专业辅导，还为你提供专业英国essay代写，paper代写，report代写，需要找论文代写的话快来联系我们51due工作客服QQ：800020041或者Wechat：Abby0900吧。
The risk problems in commercial Banks are not limited to one link, but run through the whole operation process. In the process of operation, commercial Banks have certain contact and communication with various industries, which will lead to various risks of commercial Banks. Therefore, in order to improve the operational risk management efficiency of commercial Banks, effective risk identification should be realized first, so as to promote the implementation of reasonable solutions. Among them, for grassroots commercial Banks, there are mainly the following problems: the risk of commercial Banks caused by the non-standard operation of bank personnel. For example, some bank staff misjudge, misrecord and delay in business operation, registration entry and certificate verification, etc. The inaccuracy of basic information will bring certain risks to the operation of the whole bank. If there is subjective wrong behavior of bank staff, it should be judged as a case problem, and it should be timely referred to relevant departments for handling, so as to avoid affecting the operation of the whole bank. Interruption of business continuity. When carrying out business, Banks often need to use the internal operating system, and in case of poor network, system pressure or problems in the core accounting system, the business will be interrupted, which will lead to the occurrence of the corresponding group events. Risk issues arising from emergencies. For example, illegal accidents such as natural disasters and robberies may bring certain risks to the operation of Banks. But there is a certain unpredictability to this risk. Therefore, the bank should formulate corresponding preventive measures or reasonably avoid or deal with such risks through drills. Fourth, the risk of reputational events. For example, the malicious dissemination of we-media and the garble of quotes from the context will have an impact on the benign development of Banks.
Through the analysis and understanding of the main risk problems, it can help us to timely identify the risk problems in the operation of the bank, and then take targeted measures to avoid the occurrence of risk problems, so as to promote the safe and stable operation of commercial Banks. Below, the paper analyzes and discusses the main risks of commercial Banks.
The low efficiency of commercial bank outlets is the main problem existing in grassroots Banks. This is especially true in remote areas or urban networks. In some areas, the business process often takes 20 to more minutes, which affects the efficiency of the business process and customer experience. In addition, in many areas, the banking business is mainly focused on pension payment for the elderly, and the number of young people handling the business is few and far between. Moreover, the staff's lack of patience in handling the business will affect the communication and exchange between the staff and the business transaction staff, and will easily cause the corresponding security risks. There are also some grassroots bank outlets of the staff are generally older, for the relevant business is only to take the traditional method of handling, without effective update, so that will affect the efficiency of the whole business handling. As for the business equipment of the network, there is no special staff to repair and maintain it, so once the business equipment fails, the whole system will be paralyzed, which will bring risks to the operation of the whole bank.
With the continuous reform of the economic system, higher requirements have been put forward for the management quality of Banks. Although most Banks have updated their hardware. However, there are still more differences in staffing. The use of bank equipment has strong operability. When handling business, bank staff should memorize various bank transaction codes and internal control management system, so as to ensure the smooth handling of business. However, some bank staff are not proficient in business knowledge and have low professional ability, which will bring certain risks to the handling of relevant business. In addition, the banking business is dealt with generally has limitations, are restricted to certain kinds of operation, when the staff operation skill will appear after a certain idle, curing way of thinking and the ways to solve the problem of the single, work enthusiasm and work skills can be effectively improved, affect bank service management level. As a relatively high security institution, Banks should play a role of benchmark in the whole financial industry, so as to improve the trust of users. However, as for the current commercial Banks, they have little understanding of financial knowledge. Besides promoting financial products, they cannot provide professional financial consulting services to users, which will affect the safety of users' funds.
Non-differentiation is the main problem in the development of Banks. Due to the lack of more advanced innovative management methods and management concepts, there are no featured products in Banks, which will not only increase the development competitiveness of different Banks, but also bring certain risks to the operation of the whole Internet finance to a certain extent. Among them, as for the current Banks, their main users are generally the third-party customers represented by WeChat and alipay, and there are few scattered customers, so a lot of intermediate business will be lost. Some Banks in the process of development, simply relying on the relevant national policy tilt to continue as a going concern, not according to the needs of different types of customer to develop different financialization service plan, thus contribute to the development of Banks and vulnerable to the external environment factors, and thus will increase the operating risk of the bank.
With the rapid update of information technology, the continuous application of information technology in banking is also the main development trend. Among them, for most financial businesses, they can be completed by themselves by relying on the corresponding technical equipment rather than relying on manual services at the window, which effectively improves the handling efficiency of the business. Therefore, Banks should increase the innovation and application of Internet technology and artificial intelligence, and constantly realize the use of artificial intelligence technology, so as to provide greater convenience for people's business. The continuous investment of Internet equipment has realized the effective saving of human resources to a certain extent. At this time, the bank should do a reasonable allocation of human resources, and according to the business needs will be divided into different levels of staff, which can not only provide more convenience for users to deal with the business, but also avoid the business in the process of risk problems. Banks should also carry out targeted financial knowledge services according to different financial products so as to improve the core competitiveness of Banks.
Reasonable adjustment of working concept can promote the development of Banks and effectively meet the current social development needs. The transformation of the bank is not only related to the effective formulation and implementation of the long-term development strategy of the enterprise, but also related to every staff member in the bank. Therefore, in the context of today's Internet, Banks should seize the main development opportunity of technology, which enables them to continuously realize technological reform and innovation, and take the initiative to provide special financial services to users, so as to improve the trust of users. In addition, Banks can also adopt whole-staff marketing and whole-line marketing to strengthen the promotion of financial products, constantly design and implement transformation programs, and improve the work enthusiasm of employees through rewards and punishments, so as to improve the quality of risk management of the whole bank.
As the main personnel of bank business, the comprehensive quality of bank staff determines the risk of the whole business to some extent. Therefore, Banks should increase the adjustment of enterprise human resources structure, increase the training of staff, to ensure that the ability of staff and the speed of development of the bank match. Banks should also implement the effective transformation of the assessment mechanism. The formulation of the assessment mechanism should not only highlight the positive encouragement of employees and increase their performance, but also increase the corresponding humanistic care factors to ensure that the needs of bank staff are met, so as to improve the work enthusiasm of staff. The transformation of banking work is not an overnight process, but a complex and systematic project. A good appraisal mechanism can not only promote the effective implementation of relevant policies, but also create a good atmosphere for employees to work. As a high-risk industry, safe and stable operation is the main core goal of bank development. Therefore, Banks should combine their own development conditions, adjust their operation plans reasonably, earnestly implement the principle of handling affairs according to procedures, and under no circumstances ignore the bottom line of safety, so as to promote the safe and sustainable development of Banks.
The continuous study and analysis of the operational risk management of commercial Banks plays a vital role in effectively improving the operational safety of commercial Banks and effectively promoting the sustainable development of Banks. Therefore, we should first know and understand the characteristics of operational risk and its performance and problems existing in commercial Banks the main risk, and then work from adjusting network service mode, greatly improve the work efficiency, adjusting work idea and the way of profits and convert the assessment mechanism and risk prevention three aspects to improve the management level of operational risk of commercial bank, which can enhance the competitiveness of the development of commercial Banks, which can effectively promote the improvement of economic level in our country.
要想成绩好，英国论文得写好，51due代写平台为你提供英国留学资讯，专业辅导，还为你提供专业英国essay代写，paper代写，report代写，需要找论文代写的话快来联系我们51due工作客服QQ：800020041或者Wechat：Abby0900吧。
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