摘要：商業(yè)銀行柜面業(yè)務(wù)是銀行最容易產(chǎn)生操作風(fēng)險(xiǎn)的一個(gè)業(yè)務(wù)，它是為個(gè)人客戶和企事業(yè)單位提供服務(wù)的主要窗口。當(dāng)銀行在提供服務(wù)的過(guò)程中，也會(huì)面臨源自于內(nèi)部程序不完善、人為失誤、系統(tǒng)故障和外部事件等導(dǎo)致的風(fēng)險(xiǎn)，一旦發(fā)生，就會(huì)產(chǎn)生巨大的損失。并且，商業(yè)銀行柜面業(yè)務(wù)操作風(fēng)險(xiǎn)潛藏在每一個(gè)產(chǎn)品、每一個(gè)業(yè)務(wù)流程中，如果不注意，很有可能會(huì)發(fā)生風(fēng)險(xiǎn)。因此，找準(zhǔn)柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的主要分布范圍并采取適當(dāng)有效的措施就顯得尤為重要。在日常經(jīng)營(yíng)過(guò)程中，商業(yè)銀行如何應(yīng)對(duì)防范日益復(fù)雜的操作風(fēng)險(xiǎn)，如何采取多種防控措施、建立操作風(fēng)險(xiǎn)管理的有效機(jī)制以提升銀行的競(jìng)爭(zhēng)力，已經(jīng)成為銀行經(jīng)營(yíng)管理的重心。本文就柜面業(yè)務(wù)操作風(fēng)險(xiǎn)的成因、特征以及防范的對(duì)策進(jìn)行了論述。

關(guān)鍵詞：商業(yè)銀行，操作風(fēng)險(xiǎn)，柜面業(yè)務(wù)

Abstract: The counter business is the most likely to arising risk of commercial bank as a business, it is the main window for individual customers and enterprises to provide services .When the bank is in the process of providing services, it will face risks from inadequate internal processes, human error, system failure and the risk of external events and so on, once it happens, the bank will have huge losses. And, the operational risk over the counter of commercial banks is hidden in every product, every business process, if you do not pay attention, the risk is likely to occur. Therefore, identifying the major operational risk over the counter distribution and taking appropriate effective measures is particularly important. In the ordinary course of business, commercial banks how to deal with increasingly complex operational risk prevention, how to take a variety of prevention and control measures to establish effective mechanisms for operational risk management to enhance the competition of banks, has become the focus of bank management. In this paper operational risk over the counter, its characteristics and prevention measures were discussed.

Key words: commercial banks, operational risk, counter business