Research On Operational Risk Of Corporate Loan Review Of Commercial Bank

With the international economic market volatility and the more and more changes of the banking business,the economic environment of banking becomes more and more complicated.Banking faces a huge risk when a lot of new products appear and the traditional industries become weak.The reports about the operational mistakes of banks that cause huge loss arise one after another.After that,banking pays more attention to the operational risk which was ignored in the past in all of the risks.However,the level of research on the operational risk is behind the developed countries.The operational risk management can not keep up with the change of economic market.Loan review is an important part of operational risk management for banking and an important point of the loan process.However,it lacks management because of being ingored.How to improve the level of operational risk management of loan review is a problem that banking need to face.A bank is a joint-stock commercial bank that was founded in 1995.The operational risk management of this bank started late and was still in the stage of exploration. And it has a lot of problems in operational risk management because of rough management.First of all,the article introduces the background and significance of the research,the present research status at home and abroad and the structure of the article.After a short summary of operational risk,the article introduces the procedure of corporate loan and loan review.Then the article introduces the factors causing the operational risk in loan review from person diathesis,management process and information technology system according to the theory of China Banking Regulatory Commission. And it also analyses the characteristic of the risk according to the different causes.After that,the article takes A bank for example.lt points the main operational risk in loan review through the case analysis.The parts of cases are divided into single factor cases of operational risk and multiple factor cases of operational risk. The former analyses the operational risk from person diathesis,management process and information technology system.The multiple factor operational risk is made up of more than one factor. After the case analysis,it summarizes the problems in operational risk management of this bank according to person diathesis,management process and information technology system.At last,it gives the well-directed ways that can improve the level of the operational risk management of loan review according to the problems of the operational risk management that are mentioned before.The point of the article is the operational risk of loan review. According to the research,it can provide some feasible ways to improve the development and the level of operational risk management for A bank.