The Research On City Commercial Banks’ Operating Risk Management

Since2004, city commercial banks have entered a new stage of development, at the end of the march of2013, the total assets Of137City Commercial Bank in china amounted to12937100000000yuan.accounting for the bank financial institutions, the proportion reached9.30%; the total liabilities is12083300000000yuan, which increased25.60%more than the same period of last year.accounting for banking financial institutions,the proportion accounted for9.3%. At the same time, city commercial banks, scale, market positioning is not clear, innovation needs to be improved.In the context of a high growth, along with the continuous development of China’s city commercial banks,the operating risk of city commercial bank is also increasing,127city commercial banks have set up a risk management committee to focus on operational risk, but most city commercial banks do not have to set up special departments lack of operational risk, operational risk management system, just simple management of operational risk. City commercial banks operational risk management framework and operational risk prevention is not perfect, the operational risk management means less mature problems. City commercial business to strengthen the operational risk management and reduce the operation risk of losses, is equivalent to improve the city commercial bank earnings, so to strengthen the operational risk management of city commercial banks is very important.