Construction Bank Foreground And Background Separation Reform After The Operation Risk Management Research

Nearly30years, with the aid of the IT technologyin the international advanced commercial banks, there has been a later station operations intensive as the core business model transformation, and the effect is apparent. At the end of2008,China Construction Bank started to deepen the backstage business separation project of reform, whose core is to reengineer the related counter business process at that time, a number of products and settlement business process will change a lot. On the bank’s risk management system, internal control system put forward higher requirements. Construction Bank as one of five big state-owned commercial banks, to deepen the foreground and background separation project pioneered the introduction of large state-owned commercial banks business intensive precedent. Based on the reform of operational risk management of project,first,this article provides a theoretical reference when facing a new item,which is conducive to strengthening the following risk control and supervision; second,which large state-owned commercial bank’s foreground and background separation projects are at the starting stage, through research counter business foreground and background separation the risk of, I hope can provide valuable advice to promote and improve the state-owned commercial bank operation risk prevention system.The dissertation takes the operational risk management theory as a foundation, through the China Construction Bank Risk Management’s present situation and foreground and background separation reform risk analysis, which combines domestic and foreign commercial bank operational risk management experience compares and learns from each other to discover. China Construction Bank operation risk management deficiencies, and put forward specific prevention measures. This paper is divided into6chapters, chapter1is introduction; chapter2includes commercial bank foreground and background separation and operational risk management theory; chapter3is construction bank risk management’s present situation and foreground and background separation reform after the operation risk analysis; chapter4is about domestic and foreign commercial banks risk management experience; chapter5contains Construction Bank foreground and background separation reform risk prevention measures; chapter6is conclusion and prospect.This dissertation focuses on the analysis of the Construction Bank of foreground and background separation reform after the operation risk of the main manifestations, including internal and external fraud risk, customer, product and the conduct of business risk, execution and delivery process of risk management, business interruption and system error risk; according to the Construction Bank in the operation of the main problems in the risk management, which puts forward to strengthen culture construction, improve the operational risk management organizational structure, improve the operational risk management processes, to strengthen the internal control against a series of foreground and background separation after the reform of operational risk and the guarding measures.