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1、摘要随着我国金融体制改革的不断深化，我国商业银行呈现出良好的发展态势，特别是国有商业银行的规模在不断扩大，但由于商业银行的特殊性，会计操作风险始终存在，这就需要国有商业银行必须高度重视会计操作风险问题。本文以JT银行宁夏分行会计业务操作风险作为研究对象，首先对操作风险的定义、分类、特征以及会计操作风险的定义、分类和成因进行了简要分析；然后分析了JT银行宁夏分行会计业务操作风险的基本现状，重点对存在的问题进行了分析；在此基础上，重点从风险意识薄弱、对会计业务缺乏合规管理意识、监督机制尚未完善、风险防范缺乏时效性等方面，分析了JT银行宁夏分行会
2、计业务操作风险产生的原因；最后从建立有效控制会计业务操作风险的组织架构、建立会计业务操作风险内部控制制度、建立会计业务操作风险监测预警系统、提高会计人员专业素质和风险防范意识、完善监督机制、提高对风险控制重视程度等方面提出防范对策。【关键词】：交通银行，会计业务，操作风险YibinCityCitytracktrafficplanningisYibincityregionalrangewithintracktrafficsystemofonceintegration,andcitytracktrafficalsoisYibinCityCity
3、integratedtracktrafficsystemintheofpart,foraccurategraspcitytracktrafficresearchofobject3AbstractWiththedeepeningofthereformofthefinancialsysteminourcountry,ourcountrycommercialbankshowingagoodmomentumofdevelopment,especiallystate-ownedcommercialbanksscalecontinuestoexpand
4、,butduetotheparticularityofthecommercialbank,accountingoperationalriskalwaysexists,whichrequiresstate-ownedcommercialbanksmustattachesgreatimportancetotheaccountingoperationalrisk.Inthispaper,theoperationalriskofJTbankNingxiabranchofbusinessaccountingastheresearchobject,fi
5、rstly,thedefinitionofoperationalrisk,classification,characteristicsandaccountingoperationriskdefinition,classificationandcausesarebrieflyanalyzed;andthenanalyzesthebasicsituationofJTbankNingxiabranchofaccountingoperationrisk,thefocusisontheanalysisoftheexistingproblems;ont
6、hisbasis,thefocusfromtheweakriskawareness,compliancemanagementawareness,lackofsupervisionsystemofaccountingbusinessriskpreventionhasnotbeenperfect,lackoftimelinessandotheraspects,analyzesthecausesofNingxiabranchofJTbankoperationalriskaccounting;finally,fromtheestablishment
7、ofeffectivecontrolofaccountingoperationriskintheorganizationalstructure,theestablishmentofaccountingoperationrisktheinternalcontrolsystem,theestablishmentofaccountingoperationriskwarningsystem,improvetheprofessionalqualityofaccountingpersonnelandmonitoringRiskpreventionawa
8、reness,improvethesupervisionmechanism,toimprovethedegreeofriskcontrolandotheraspectsofpre
