Research On Operational Risk And Management Countermeasures Of China 's Commercial Banks From The Perspective Of Internal Control

With the rapid development of global financial industry, banks face the risk ofinterest is growing day by day, in2004June, the Basel Committee on BankingSupervision issued the "new capital agreement", clearly define the operational riskinto the capital supervision and regulation areas, proposed the bank operation riskquantification capital method. In2007May China CBRC operational riskmanagement system issued "guidelines" operational risk management of commercialbank requires commercial banks to establish and the nature of business, the scale andcomplexity of adaptation, effectively identify, assess, monitor and control/slowrelease fuck release operation risk, so how in the current severe economic situation,strengthening operation risk management of construction, provide risk management,is the present our country commercial bank urgent problem.In this paper, from the relationship between Chinese commercial banks internalcontrol and operational risk management of operational risk, through the case analysisto understand the domestic commercial banks, domestic commercial banksoperational risk management status, characteristics, difficulties and problems, furtheranalyzes the main causes of China’s commercial banks operating risk, this articlefrom the internal control "five elements of" perspective, the causes of operational riskin domestic commercial banks is analyzed, profoundly reveals the internal controlconcept, operational risk management ability is insufficient, the internal controlmeasures are not perfect, poor exchange of information, supervision and inspection inplace causes, at the same time the pointed countermeasure and management ofoperational risk in Chinese commercial banks internal control from the perspective ofthe present, both to meet the operational risk management requirements andcombined with the actual situation of the domestic commercial banks operating riskmanagement, to enhance the level of operational risk management in Chinesecommercial banks, enhance the risk resisting ability.