Counter business risk point

① Split the existing business to avoid the risk of empty storage caused by authorized supervision. According to the current system, the bank counter does not need the authorization of the supervisor to handle the small cash deposit business below 50 thousand yuan, which is prone to the problem of teller's empty deposit of funds and has certain risks.

(2) Risks arising from teller's illegal operation. The performance is that tellers run their own business, customers handle business in uncertain times, and the appointment and approval system for large cash withdrawal business is not in place; The cashier's identity check is not serious, and there are still phenomena such as not checking the seal and cash after opening the package; The business seal is left at will after use, but not put into the box in time and locked for safekeeping; The teller who left the post temporarily failed to sign for and lock the cash box as required; Cash, important blank vouchers and other physical objects cannot strictly follow the principle of "putting the physical objects in storage first, then bookkeeping, and posting the physical objects out of storage first"; The teller asks for leave to take care of the real thing and does not hand it over.

(3) The risk of fraud caused by criminals using account cancellation transactions. When handling remittance business, he left the bank for a period of time and returned to ask for a refund, using the bank to erase the transaction to implement fraud.

(4) Risks caused by inadequate operation supervision or irregular operation. A few outlets are not equipped with enough operators or authorized supervisors, resulting in no authorization at noon, resulting in the phenomenon that single counters and tellers bypass accounts; The supervision gaps and loopholes caused by the operation supervisor's untimely verification of early warning information and inconsistent last registration.

⑤ Reputation risk caused by disputes caused by insufficient risk warning of wealth management products. When marketing wealth management products, a few employees do not seriously fulfill their obligation to truthfully inform the product risks, which may easily lead to disputes and affect the reputation of ABC.

Precautionary suggestions: First, pay close attention to the implementation of various rules and regulations, resolutely put an end to illegal acts, and never allow illegal operations and simplified procedures because of fear of trouble or trouble; Second, employees, especially new employees, are given regular rules and regulations study and operational skills training to enhance their understanding and familiarity with product business, improve operational skills and reduce operational risks; The third is to regularly check the implementation of the system, so that rules must be followed and violations must be investigated to ensure that all systems are in place; Fourth, strengthen the publicity of customers, give risk tips and improve customers' awareness of risk prevention.

Credit business risk

(1) the risk that the loan collection is not timely and the limitation of legal proceedings is lost. Risk of loss of creditor's rights such as creditor's rights, mortgage rights and pledge rights due to inadequate post-loan management and untimely loan collection. For example, if a sub-branch issued a house mortgage loan at 200 1, the mortgagor sued our bank on the grounds that the mortgage loan was overdue and the mortgage right had disappeared, and requested to go through the relevant procedures for returning the mortgage loan.

② Risks caused by the delay in inputting customer data information into C3 system. A few system administrators can't input customer reports and other data into C3 system on time, which leads to the delay in updating customer data and the failure of customer post-loan supervision.

③ Risk of small farmers' loan business. There are some problems such as careless investigation, multiple loans for one person, failure to use them according to the agreed purpose, untimely collection before maturity, overdue or form transfer.

Precautionary suggestions: first, strengthen the study and training of credit business rules and regulations, operational procedures and legal knowledge; Second, strengthen post-loan management, actively pay attention to the borrower's situation, find risk signals in time and give early warning, and formulate measures to resolve risks; Third, the customer information and post-loan management related data will be entered into C3 system on time.

Risk points of bank card and electronic channel business

① ATM machine management risk. Criminals steal customer account information and passwords by installing miniature cameras and card readers on ATM machines, and then steal funds; Or connect the self-made equipment to the network interface of the self-service equipment, intercept and modify the data transmitted by the self-service equipment, falsely increase the account deposit and steal the bank funds; Even through violent means to destroy the self-service machine and steal cash.

② Risk of hacker attack.

③ Telecom fraud risk. Criminals use the payment service provided by telephone banking to collude with the operators of payment agents and make profits by intercepting customers' payments.

(4) the risk of illegal opening of electronic banking channels. When operating banks issue cards to employees in batches, they open mobile banking privately, and set the card payment password and electronic banking password as simple passwords. Criminals use other banks' telephone banking services to crack account numbers and payment passwords and steal funds.

⑤ Risks caused by lax review of corporate online banking. Due to lax audit, criminals used false information to register corporate online banking, which led to misappropriation of corporate funds.

⑥ Credit card management risk. When dealing with business, marketers did not strictly implement the "three relatives" system, did not strictly review the application materials as required, and the investigation was not in place. Criminals maliciously overdraw after using false information to handle cards; In the process of batch processing, there is a problem that one person handles materials and one person receives batch card issuance.

⑦ Bank card account opening risk. Criminals use fake ID cards to handle multiple cards to commit fraud.

⑧ Business risks of Huinong Card. Part of the farmers' Kaka is in the hands of the relevant departments or account managers of the handling bank, and has not been issued to farmers or cancelled; There are security risks in the password setting of Huinong card. Due to the poor financial awareness of farmers, they failed to change their passwords in time after receiving the cards, and some forgot their passwords and left them at will. Once lost, it is easy to cause risks.

Precautionary suggestions: First, banks at all levels should raise the awareness of risk prevention of bank card and electronic channel business, improve the product knowledge and business ability of managers, and strictly implement the rules, regulations and operational procedures of bank card and electronic channel business; Second, always keep a high degree of vigilance, strictly examine and identify customers, and report or report to the police in time when abnormal situations are found; The third is to publicize farmers through TV feature films, newspapers, radio and other media to enhance their awareness of password security; The fourth is to strengthen self-service equipment inspection.