Risk Operation And Its Prevention In Branch Company Of Ji Lin Construction Bank Of China

After the outbreak of the financial crisis, the United States several bank failure,make people begin to pay close attention to the bank operation risk managementproblems. Operational risk is the commercial bank in daily business activities withone of the risk. And the market risk, credit risk, liquidity risk is different, commercialbank of operational risk understanding and the understanding is at a low level.Operational risk due to its own business characteristics and different, unable tostandardization and template change, but the operation risk mostly happened inmanagement is weak, poor consciousness of risk prevention mechanism. China’scommercial Banks corporate banking operational risk in China’s banking industryfrequent exposed the risk management of the weak link. Combining the currentsituation of banking risk management, through the corporate finance businessoperation risk characteristics and the reasons of analysis, looking for jilin province inthe practical work of construction bank corporate finance business operation riskoccurs rules and characteristics. This paper first discusses the different nationalcommercial bank financial business company operating risk prevention practice, theconstruction bank of jilin company financial business operational risk prevention andcontrol play an important reference. Then from the commercial Banks operating theconnotation of risk, according to what happened in recent years the companyfinancial business operation risk case analysis, sums up the domestic commercialbanking operational risk produce typical characteristic, proposed in domesticcommercial Banks operating risk characteristics of definition and basic characteristics,according to the Basel committee proposed operation risk classification standard,combined with the actual situation of China’s commercial Banks, puts forward thesuitable for China’s commercial Banks and the characteristics of operational riskclassification standards, and analyzes jilin construction bank financial business operation risk present situation as well as the existing problems. Further, theconstruction bank in jilin exist this kind of question reason of more detailed analysis,respectively from the personnel ethics loss, lack of internal control and businessprocess not perfect three aspects summarizes reasons; And to the company financialbusiness operation risk caused by some real cases as templates, according to theirown experience and to bank corporate finance business knowledge to the expansionand extension, in the case of each assessment at the same time, and prompt thecommercial bank’s corporate finance business operational risk control point, theauthor puts forward some relevant experiences and lessons. Finally, this paper bringsforward the construction bank jilin company financial business operation riskprevention countermeasures, according to their own experiences from perfectingcorporate governance of commercial bank structure, strengthen the construction ofthe internal control system, optimize business process design, strengthen quantitativemanagement, shaping advanced risk culture, strengthen financial supervision and soon six levels were discussed, provides the construction bank jilin branch operationrisk management culture idea, policy process, the organization structure and thequantitative management and self assessment management and a series of corporatefinance business operation risk management ideas. In recent years, China’scommercial bank industry and academic circles have stepped up to the companyfinancial business operation risk attention and research. Many scholars andcommercial bankers from the commercial bank financial business company operationrisk of the basic characteristics, produce factors, in respect of the company financialbusiness operational risk of corresponding definition, each commercial bank shouldalso be according to oneself circumstance makes the corresponding comparison,operational risk control and prevention measure the importance of establishedpertinently solve commercial bank financial business company operating riskproblem of the concrete implementation scheme. This paper research value is mainlymanifested in further promoting the development of domestic commercial Banksreform, this paper puts forward the construction bank to jilin province branchcompany financial business operation risk prevention and control and management ofthe effective countermeasures to try to put an end to the operation risk, to improve the efficiency of the economy effect, to ensure that the society as a whole financial assetsecurity and the stability of the economic order.