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近年来，商业银行外部经营环境日趋复杂，企业资金需求和融资环境的矛盾不断深化，各类社会主体广泛参与民间融资，并通过多种渠道违规诈骗银行资金，社会整体信用水平下降。与此同时，不法分子拉拢收买银行员工参与民间借贷，借用银行信用吸收资金，社会信用风险向银行柜面操作风险转移的问题突出，银行面临较大资金和声誉风险。
In the past few years, the external operating environment for commercial banks has been getting more complicated. With the deepening clashes between corporate demands for capital and financing environment, now all kind of entities in the society are taking part in folk financing and they disobey rules, swindling banks through a number of channels. Such that the overall levels of social credits goes down. Meanwhile, outlaws bribe bank employees, letting them get private lending and use bank credit to absorb capital. Under these circumstances, the specific issue becomes obvious, that is, social credit risk is now transferring to the operational risk of bank counters and banks confront more risks of their capital and reputation.
从风险发生领域角度看，传统柜面案件风险持续上升，新业务、新产品的操作风险抬头和凸显，操作风险开始不断暴露。从银行内部管理环境看，受竞争压力及不良绩效观的影响，突破底线违规操作行为仍时有发生，基层合规氛围的维持面临较大压力。因此，以商业银行柜面操作风险防控的一般分析为基础，结合中国银行扬州分行柜面操作风险防控的实证分析，最终提出商业银行柜面操作风险防控的措施建议，有利于商业银行提高柜面操作风险防控能力，具有理论研究和实践指导双重意义。
In terms of fields where those risks take place, it is more likely for traditional counter cases to happen. In addition, operational risks of new business and new product turn to be prominent. In terms of the internal management environment for banks, we’ve now and then seen violations of rules about operation because of peer pressure and undesirable performance. It then becomes difficult to maintain the compliance atmosphere among the base. Hence, from these two perspectives, we can base on general analyses of operational risk prevention of commercial bank counters, do case studies about the preventing measures taken by the Yangzhou branch of Bank of China and finally suggest viable ways of risk prevention, which enable commercial banks to enhance their abilities in lowering counter operational risks and do good to theoretical research as well as practical guidance.
论文从概念界定、风险来源、识别与评估三个方面对商业银行柜面操作风险防控进行一般分析。后从背景、环境、识别与评估流程三个方面对中国银行扬州分行柜面操作风险进行实证分析。在一般分析和实证分析的基础上，论文提出了中国银行扬州分行柜面操作风险在制度、业务、人员和外部因素方面存在的问题：制度执行不力、防控流程滞后、人员管理失效、技术保障缺失等。
This essay generally analyzes the operational risk prevention of commercial bank counters from three aspects: definition of the concept, sources of risks and risk recognition and evaluation. Then the case study about Yangzhou branch stars from its background, environment and procedures in risk recognition and evaluation. Based on these two methods, this essay puts forward the existing problems of that branch respectively in regulations, banking business, staff and external factors--inefficient execution of rules, delay of preventing procedures, unsuccessful staff management, deficiency of technological guarantee and so on.
针对中国银行扬州分行柜面操作风险在制度、业务、人员和外部因素方面存在的问题，论文仍从制度、业务、人员和外部因素四个层面提出中国银行扬州分行柜面操作风险防控的改善措施。最后，论文总结出商业银行柜面操作风险防控的对策建议：强化内控制度建设、创新科学技术手段和加强合规文化建设。希望这一系列对策措施，提升商业银行柜面操作风险防控能力，前移案防关口至基层网点柜面，推进商业银行内控案防长效机制建设，保障商业银行安全、健康、可持续发展。
Focusing on these problems, this essay still deals with those four aspects (regulations, banking business, staff and external factors) and tries to find out measures to improving the risk prevention in Yangzhou branch of Bank of China. In the end, it concludes feasible suggestions. That is, the branch should promote the establishment of internal regulations, innovate its technology and enhance the development of compliant culture. I hope through these suggestions, the abilities of operational risk prevention in commercial bank counters can get improved and the prevention gateway can be moved forward to basic internet counters, propelling the long-term mechanic establishment of internal control prevention and guaranteeing commercial banks to develop safely, robustly and substantially.
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