The Sf Bank Shanghai Branch, Personal Credit Operational Risk Management Study

In a long term, the credit risk management of commercial banks mostly focuses on credit risk management and market risk management, and have a relatively sound risk management system. However, with the development of the banking business scale, with the serious competition and with more complex business processes, the operational risk which is different with the credit risk and market risk has also taken place.As one of the key businesses in commercial banks, Personal credit business are generally accounted for over 30% of the whole credit scale. Due to a long life cycle, integrated high-yielding, commercial banks has become highly competitive battleground. In order to obtain more clients, most of banks try themselves to simplify loan procedures, but banks usually lack the relative rules of controlling the key procedures ,which results in a huge potential dangers and losses. The domestic banking faces extremely serious situation in the individual credit sector. Therefore strengthening the management of operational risk personal loans has become a unavoidable and urgent issue.The operational risk of personal loans in SF Bank Shanghai Branch is the research object. Of this paper, Based on"the New Basel Capital Accord"issued by the Basel Banking Supervision Committee, "Commercial Bank Operational Risk Management Guide" and " Personal Loan Interim Measures, " issued by the China Banking Regulatory Commission and other related documentation system, this article makes the self-risk assessment through in-depth studies by business procedures which includes the loan from the concrete before the survey, loan approval, loan signing, mortgage processing, post-loan management, intermediary breaches, external fraud, system deficiencies and other key business , also combined with a typical case. Then sum up the major risk factors and their specific operational performance of personal loan business in the SF Bank Shanghai Branch. And make the appropriate operational risk management measures, that is, banks should establish the risk-prevention model including rules constraints , cultural constraints , system constraint and violation corrections from system building, culture concept, mechanism innovation ,scientific & technological means, and other cases of precaution & investigation to build the immune system of the risk prevention of personal loans risk prevention,...