The Credit Operational Risk Analysis

The late1990s, with the rapid development of the financial industry,the growing financial products update, the characteristics of theoperational risk of commercial banks are becoming increasingly diverse andcomplicated.Commercial banks operational risk refers to the risk of lossresulting from inadequate or failed internal procedures, people and systemsor from external events. The high incidence of domestic and internationalbanking sector due to improper management of operational risk, a huge amountof loss, many commercial banks operational risk cases need further finishingand research. as the focus of attention by the regulatory authorities oftenlies in the area of credit risk, therefore, from the point of view of thedomestic banking sector, the prevention and management of operational riskis still stuck in the more superficial level, so that commercial banksoperational risk showed a rising trend.a Bank as domestic one bank to private capital as the main, inevitablythere are operational risks, especially in the handling of the creditbusiness, fully draw on the experience in the same industry, and summarizetheir own problems in order to better prevent and manageoperational risk.The author credit sector account manager at a Bank, sorting the typical caseof credit operational risk analysis, which lead to the thinking of how toprevent and manage the operational risk of credit to enhance the capacityof operational risk management practices.In addition, in many aspects, and actively explore, and the school’sfinancial theoretical knowledge combined with bank practice, screening outthe typical case of the a bank credit operational risk; On the other hand,through the collation and analysis of the above case, summed up the Bankathe problems in the prevention and control of credit operational risk, andthen analyzes the constraints the a Bank prevention and management ofoperational risk factors;Finally, the author, on the basis of the analysisin the case, combined with the Bank of the actual work to improve the a bank management credit business operationssuggestions risk, this practice hassome practical significance.