Research On Loan Operating Risk Of XJ Branch Of ICBC

21century,the history of human society enter a new period. World economy are happenning a great and thoroughgoing change with economy globalization. Financial reform are advancing, the degree and wideness of finance open are expanding, economy globalization and financial internationalize are expediting.energizing and improving risk management, guarding and resolving finacial risk,is not only for commercial bank raiman continue,heath denvelopment,but also for the needs of finance supervise. studying deeply opertingrisk of commercial bank,have profound significance,for standard action,improve management nevel,assure financial safe,control financial risk effectivily,reduce and drop insteady of bank system,even for the safe of the country.The essay approach how can we strengthen loan operating risk of XJ of ICBC, from the order of use and study , from the point of strengthen and perfect. It contrast and study bank risk management model of the world, aiming the situation of load operating risk management of XJ branch, on the base of operating risk management theory in the world .Then combining the practice of load operating risk management of XJ branch, drawing lessons from foreign advanced operating risk management theory and practice, approached loan operating risk distinguish and measuring technology, put forward risk management thinking, such as introduce advanced operating risk management model, and build loan operating risk give early warning system, and form loan operating risk mechanism for give early warning, and perfect loan operating risk report system, and use positive risk management tactics, and comprehensive push the building of risk management culture, the objective is to innovate and optimize the model of loan operating risk management of the branch, to strengthen the operating risk control, to suit the supervise demand in domestic and international. The essay attempt to build a way that loan operating risk control, positive push forward loan operating risk management scientific, modernize of XJ branch, For reference to commercial bank operating and risk management.