农村中小金融机构柜面业务操作风险的问题与对策

柜面操作风险是指操作人员在工作中,由于人为操作失误或机器故障、程序疏漏等造成的错误,从而导致对用户或者银行的资金的流失的可能性。随着银行业务的发展和业务流程的日益复杂,农村金融机构对操作风险的识别与控制能力不能适应业务发展的需要,在这种情况下,如何加强农村中小金融机构柜面业务操作风险管理,防范风险和案件的发生,巩固农村金融改革发展成果是亟需解决的重要课题。本文主要通过对国内农村中小金融机构柜面业务操作风险现状的阐述,分析其特点和不足,并对我国农村中小金融机构柜面业务操作风险管理提出参考性建议。

The operational risk refers to the operating personnel in the work, due to human error or malfunction, program oversight caused the error, which leads to the possibility of a user or the bank＇s capital loss. With the development of banking business and the business process becoming more and more complicated, the rural financial institutions identify and control the risks of operating capacity, which can not meet the needs of business development. In this case, how to strengthen the operational risk management of rural small and medium financial institutions counter business risk prevention, and cases, the consolidation of rural financial reform and development achievements is an important issue to solve. This paper focuses on the small and medium financial institutions in rural China counter operational risk status quo, analyzes its characteristics and shortcomings, and the small and medium financial institutions in rural China counter operational risk management suggestions.