A Study On China Construction Bank Operation Risk Management

From the risk management trends, the international community will be increasingly inclined to credit risk, market risk and operational risk in the combined enterprise as a whole within the scope of consideration. From the world's development trend, the financial services globalization, the rapid adjustment of the legal and regulatory system, the new economic model the emergence of more sophisticated tools and financial transactions and information technology, the breadth and depth of application Bank increased use of sustained-release technology risks brought about by new forms of risk, and the increase in outsourcing business, participate in the clearing and settlement system to reduce some risk but increased the risk, These factors have increased the financial institutions operating risks.Currently, the country is in the process of economic restructuring, with a modern market economy adapt to the laws and regulations all have a lot of deficiencies, weak sense of abiding by the law and discipline, various irregularities and fraud endless. And the financial institutions management method is relatively backward, inexperienced management, software and hardware equipment not advanced enough, discovered the crisis, the capacity to deal with crises is relatively low, therefore, operational risk is financial services enterprises are facing a major risk, operational risk management of our financial services enterprises have a special significance. From theoretical research and empirical analysis of two aspects, the Construction Bank of China Hunan Branch of operational risk management, explored in any depth.This paper focuses on the analysis of operational risk that the full understanding of the existence of misconceptions in the operational risk management concept grasp on the correct errors in the operational risk management framework in establishing and improving existing deficiencies in the operational risk management tools exist on the effective utilization of less than four operational risk of defects has become operational risk management constraints of the main obstacles.Based on analysising the situation of construction bank and the experience of the west commercial bank, the paper proposed five aspectsconcrete improvement measures: One, build the " Good faith and careful " core risk control culture; Two, establish the frame of conformity operation risk management; Three, Establishe the omni-directional internal control mechanism to guard and the control operation risk ; Four, establish the release mechanism to reduces the operation risk loses; Five, develops the effective operation risk management tool.In short, China's commercial banks should further emancipate their minds, and continue to learn from foreign commercial banks advanced experience China's commercial banks with the actual situation and take the initiative to study and analyze a variety of banking risks, and implement risk control measures Scientific effectively prevent and control risks to create a harmonious and orderly environment for financial operations to meet the financial challenges of globalization.