The Study Of The Operational Risk Management Of Industrial Bank Co., Ltd. Jinjiang Branch

China's accession to the WTO, to 2006 has been fully open its financial market. Foreign banks have fully joined the ranks of competition in the banking sector, the domestic commercial banks will face increasingly complex and higher level of intense competition. The competition process will be effective control of risks of competition. Who can effectively control the risks, who can effectively achieve profit growth, no one can realize from continuing operations, will be the last laugh. Operational risk management in order to cope with the challenges of the subject, in order to achieve healthy development required, the commercial banks have set up a risk management department has developed a package of operational risk management, control rules and measures. Can be said that the bank's management, operational risk is everywhere, operational risk management same everywhere. In recent years, international and domestic banking operational risk frequent case, give commercial banks a huge loss. Especially in the domestic as the economy's rapid development in recent years, the frequent occurrence of a series of financial major cases, once again reminds us that for economic transformation in which the Department and are to accelerate reform and opening up China's banking sector, the prevention of operational risk is a very important and urgent issue.In February, 2007 started the American loan crisis which erupts, enters in 2008 to start to evolve for the worldwide basis financial crisis, US five big throws the line to be annihilated, since August, the crisis in entire on international suddenly has already extended, forms the worldwide basis economic crisis.To at present for to, the financial crisis far had not finished, already started to affect various countries' profoundly the entity economy. Because of the global economy in recent decades has been more closely linked, this time of economic recession in its far-reaching effects and it can be said that once, the objective is bound to induce substantial extent on the operational risk. This requires that we must further improve the prevention of financial risks, especially operational risk awareness and speeding up to build a long-term prevention of operational risk management mechanism, from the broader scope of effective control of the occurrence of operational risk and prevent future greater operational risk in our who happen. This article according to promoting education bank Jinjiang Sub-branch the special details, utilizes the related operation risk management theory and the research technique, carries on some concrete analyses to this unit's operation risk management, and from four principal aspects (including system construction, human resources arrangement, flow control, operation risk culture formation) proposed the concrete suggestion, uses in instructing the sub-branch each service development and the market marketing practice work, simultaneously acts according to three sweeping changes which promoting education bank Jinjiang Sub-branch recent years in possibly produced (including services department system reform, service pattern transformation, profit pattern transformation) puts forward the improvement proposal, the expectation realization sub-branch inIn the intense market competition is in the lead, achieves for a long time, healthy, the fast development goal.