The Management Research Of Commercial Bank's Operation Risk Based On The Business Process

Currently operating risk and market risk, credit risk are the three biggest risk in commercial bank. Domestic and foreign financial organizations for operating risks caused heavy loss of operating risk events frequently, and becomes the main risk of commercial bank. Especially in recent years, a number of cases caused by operation risk which had chocked our country, it also alerts financial business bank of our country to strengthen the urgency of the operation risk management and importance. Commercial bank in our country widespread of operational risk awareness, backward management practice, the internal control of operation risk management system is not perfect, the Staff quality can't meet the requirmentst of needs of the operating risk management.Especially along with the rapid development of information technology, the state-owned commercial Banks with business scope expanded rapidly, provide more widely, product complexity in business and business operation in the new business model, in corporate governance, the operating risk control many imperfect, the operating risk exposure and the increasing performance is more complicated.In our state-owned commercial Banks, operating risk management based on management process is an important aspect,Process management is important, Because operation risk often exists in specific business process, process control will greatly reduce the frequency of operating risk, reducing the exposure of operation risk and savings venture capital for commercial bank. But in today's actual management of commercial Banks,there are so many cases on operating risks of commercial bank, the main reason is the weak power in risk control. Compared with the international commercial bank management, the operating risk management in china is still on the initial stage, especially in the process management, how to design a perfect control procedures, operating risks better recognition and measurement, effectively mitigate the risk of operating, standardized operation, to establish a complete set of operation management system is the theme of this study.Based on the process management of operating risks in state-owned commercial Banks , The article uses the writing method which the theory and the practice unifies, combined with the practice of Nanjing branch Of Guangdong Development Bank, business process theory into bank operating risks from the research field, business process analysis from the perspective of the commercial bank of operation risk status, types, characteristics and causes, and of operational risk recognition, measurement and monitoring and control system of the four processes, construct and perfect the effective operation of commercial Banks, to strengthen the framework of risk management of commercial Banks operating risk management of commercial Banks, realize benign operation. hopes the article can play certain model role to the operation risk management of Bank of communications Nanjing branch and other Chinese Commercial banks.