A Theoretical And Empirical Study On The Operational Risk Management Of Grassroots Commercial Banks In Enshi Prefecture

Commercial Bank is the enterprise of business risks and gains from riskprevention and management of risk is accompanied by the eternal theme of survivaland development of commercial banks. For banks, the development is top priority,safety is the first principle, anti-insurance is the first responsibility, therefore, the riskmanagement capabilities is the bank’s core competitiveness and "soft power"."NewBasel Capital Accord, Basel Committee on Banking Supervision published in2004inoperational risk and credit risk and market risk and referred to as the three mostimportant risk facing the banking industry today, and included in the regulatoryframework for commercial banks.In recent years, the management of operational risk caused by the banking andregulatory authorities attach great importance.2005, the China Banking RegulatoryCommission has developed a "13" iron law to prevent the risk of banking operationsfrom2007, the China Banking Regulatory Commission issued the commercial bankoperational risk management guidelines, regulatory authorities issued a series ofoperational risk regulatory requirements file, set off a storm of regulatory governance.Modern commercial bank operational risk management, grassroots institutionsoperational risk accounted for the majority. In the areas of economicunderdevelopment of the nation, Bank of basic management is relatively weak,internal control is not perfect, the uneven quality of staff, operational risk casesfrequently occur, repeated, the banking sector sirens everywhere, dangerous and aserious impediment to national regional banks developments.In this paper, a full feasibility studies and empirical analysis of the risk ofprimary commercial banks operating in minority areas-Enshi Tujia and MiaoAutonomous Prefecture (hereinafter referred to in Enshi Prefecture), grass-rootsinstitutions of the current commercial bank operating high-risk cases such as features,combined with the actual situation of the ethnic minority areas, The proposedcountermeasures and suggestions for prevention and management of operational risk.First, strengthen the construction of national primary commercial banks in risk culture, risk management and compliance culture as a compulsory subject in each bank staff,risk management and fulfill their duties as the basic quality of each bank employeesdo know the line together First, the Shansi good deeds, good for good as; to build"people-oriented" of the risk management system, adhere to motivate and disciplineboth to enhance the employees’ ownership of consciousness, and a good developmentplatform for their employees; improve the institutional basis, the maintenance ofinstitutional authority, improve enforcement; improve the prevention and control andsupervision system, so that risk before problems occur, to establish coverage prior,during and afterwards a comprehensive risk management system, the five is toimprove the scientific and technological means to prevent, and effectively "airdefense","system defense ", the" Prevent "," anti-technology "," joint defense "bothmulti-policy line of defense webs, long arms, and strive to reduce the operational riskof adverse factors and to a minimum.