A Study On The Prevention Of The Operating Risk In The Banking System Based On Control Of The Information System In Our Country

With the development of the economic globalization process, the more complex risk the banking to manage, the more competitive area continually extended, the stronger desire of global banking to establish a unify and fair supervision regulations, and the more urgent demand to intensify the risk resistance capacity. In recent years, the role of risk prevention is becoming increasingly significant due to the grater abundance of product innovation, the more complex technology of financial system and the greater difficulty of the supervision.In February1995, the British bank Barings Bank declared bankruptcy due to the huge losses caused by its Singapore office. After that the importance of operational risk in various financial institutions is increasingly improved, and all of the global financial institutions, including Chinese banking sector, use operational risk as a control indicator for management. In2005, CBRC issued "Notice about increasing intensity of preventing operational risk" to establish a standard for banking sector to manage operational risk, which help to curb the occurrence of violations and illegal cases and promote Chinese banking industry in strengthening the operational risk management a step forward. In addition, CBRC also issued "Guidelines on operational risk management of commercial banks" in2007to make further regulation.Based on the theory of operational risk, the study summarizes the results of previous studies, which mainly on the field of its framework, management, measurement and prevention. The first three are studied thoroughly to demonstrated the reasons of the appearances of operational risk in various aspects and how to measure it. And about the prevention, it mainly study how to use rules and regulations to manage and prevent operational risk initiatively. The paper proposed an innovative view to manage and prevent operational risk through information management system.Based on the public and private information of G bank, the system is designed to assess and count, together with the teller integral system, Guidelines for the measurements of regulatory capital of Commercial bank operating risk as a basis. Two functions are included in the system, they are:operating risk monitoring analysis and risk warning.Operating risk monitoring module includes:counter service, bank card test module, electronic banking monitoring module, financial accounting control module, personal loans monitoring module, deposit and loan interest rate monitoring, and operational risk loss events monitoring model, etc. Operating risk warning functions runs the monitoring model to monitor and analyze business, sorts risk data,and warns the related departments and two level branches the risk promptly in order to detect the risk early, alert early and prevent in advance.How to use the various kinds of complex and non-associated data to achieve the detection and prevention of operational risk, under the backgrounding of the development of the numerous data, is the key issues and features of this article.