Study On The Optimization Of Operational Risk In Gansu Yuzhong Rural Cooperative Bank

In recent years, according to the commercial bank business income and business expenditure management content, the rural cooperative financial institutions to make a profit in the main approaches are:to minimize the cash assets, expanding the profit assets;to the lowest possible cost to gain more money; to reduce lending and investment losses; strengthen internal economic accounting, improve internal labor income, save administrative expenses; strict operation regulations, perfect the supervision mechanism etc to increase revenue and reduce expenditure, at the same time, to prevent and resolve the risk of operation, for the healthy development of rural cooperative financial institutions provide opportunity period.With the Lanzhou area banking industry competition is increasingly fierce, Gansu Yuzhong rural cooperative bank is faced with complex and ever-changing business risk. In the aspects of comprehensive analysis, in this paper, Gansu Yuzhong rural cooperative bank also undertake similar commercial bank risk management platform construction. Gansu Yuzhong rural cooperative bank operation risk control platform construction experience is not much, has been using the traditional management methods will not make full use of limited resources, so the management of operation risk control are analyzed, and conduct in-depth research and optimization, in the hope that a comprehensive risk management process can draw some experience and methods, and for the future business risk control and provide some experience for reference and method.This article first elaborated the bank governance and comprehensive risk management theory and method, introduced the use of risk assessment methods and economic capital management, and subsequently to Gansu Yuzhong rural cooperative bank and the evolution of operating risk in detail, followed by the use of comprehensive risk management method, on business risk status of the whole problem decomposition decomposition to find, in control of the operating risk of the critical path, put forward and summarized it shows various typical problems; then according to the analysis on these problems put forward the construction of Gansu Yuzhong rural cooperative bank's overall risk management framework to optimize the train of thought and method, after the application of the proposed optimization ideas and methods on management risk control the first, second, third state of optimization and upgrading, and the optimized operation risk status detail. Ultimately come to the Gansu Yuzhong rural cooperative bank's overall risk management system and guarantee mechanism.This paper adopts the method of combining theory with practice, the commercial bank risk management method of fusion in Gansu Yuzhong rural cooperative bank traditional management process, to improve the rural cooperative financial institutions in the background of gradual reform and development to provide a certain reference value.