Operational Risk Management Of Commercial Banks Based On The Internal Control Perspective

With the process of economic globalization, the operational risks faced by the bankingsector in particular operating risk is all the more prominent. Firstly the outset introduced"risk management of commercial banks operating in the internal control perspectiveresearch research background, purpose, meaning and framework content start of theoperational risk management situation and theoretical results from a review of domesticand international financial community to clarify operational risk management has becomean important research topic, one of the modern commercial bank risk management theoryand practice of risk management activities for commercial banks has important practicalsignificance.In this paper, the authority of the Basel Committee released and the industry expertsand scholars research is based, from the definition of operational risk, classification andcharacteristics, a systematic exposition of the basic theory of the commercial banksoperational risk, operational risk management and internal brief control theoreticalframework, the basic strategy and management tools, and focus on operational riskmanagement and internal control, effectiveness analysis, internal control is the basis of theoperational risk management and the primary means of theoretical perspectives, as Thebasic argument of this paper, the analysis and comparison of theory and Countermeasuressupport.AB Bank in Shenzhen China established earlier large national joint-stock commercialbanks, institutional outlets, a large number of employees, total assets and strong on thebasic features of the commercial banks, risk management has considerable representation.In this paper, the introduction and operation of of AB commercial bank risk managementstatus quo the risk incidence instance corroboration, and focus to find the problems in theoperational risk management, internal control perspective and from the concept of riskmanagement of commercial banks, the system, the basis technical, cultural andenvironmental aspects of deep-level analysis of the reasons for its conclusions furtherinterpretation of the Basel Committee:"Operational risk is the risk of loss resulting frominadequate or failed internal procedures, people, systems or external events" defined fromthe combination of theory and practice confirms the correctness and practical significanceof the operational risk management is the most effective means to strengthen the internalcontrol system,"the basic points of view.In this paper, by analyzing the instance of AB Bank and with their own practice feel closely around the theme of internal control, reality from the commercial banks in China,learn from the advanced experience, proposed the use of "flat" management theory,developed a "focus on the market, to customer-centric risk management led,comprehensive, coordinated, overall, and efficient development of modern commercialbank’s internal management system point of view, and thus expand from organizationalstructure to build a modern commercial bank, to establish the scientific operation of thequantitative risk management models, development and application of system functions,implementation of process reengineering and foster good management culture, researchand strengthen the operational risk management of AB Bank and the entire commercialbanking with common countermeasures and suggestions.